Your Questions, Answered.

We specialize in five investment property loan programs: Fix & Flip bridge loans, DSCR Rental loans, BRRRR strategy financing, New Construction loans, and Short-Term Rental (STR) loans. Every product is designed for real estate investors — not owner-occupants.

Capital Partner Loans operates as a specialized investor financing platform. We work exclusively with institutional private lenders who specialize in investment property —which means you get access to better programs, faster underwriting, and more competitive terms than working with a single lender directly. One relationship gets you into our entire capital network.

Minimum credit score requirements vary by loan type. Fix & Flip and BRRRR bridge loans start at 600. DSCR Rental, Short-Term Rental, and BRRRR refi loans start at 640. New Construction starts at 620. These are minimums — better scores typically mean better rates.

Not for DSCR or STR loans. These programs are underwritten based on the property's income, not your personal income. Fix & Flip and Construction loans may require bank statements or proof of liquidity, but we never require W-2s or personal tax returns for our investment property programs.

Fix & Flip bridge deals move the fastest. Bridge term sheets are often issued within 24 hours, and some bridge loans can close in as little as 48 hours when underwriting, title, and borrower documentation are ready. DSCR and construction timelines are typically longer.

DSCR stands for Debt Service Coverage Ratio. It's a metric that compares a property's gross rental income to its monthly debt obligations (principal, interest, taxes, insurance, and HOA). A DSCR of 1.0 means the rent exactly covers the debt. We have no minimum DSCR requirement — both cash-flowing and sub-1.0 deals are considered. You qualify based on the property, not your personal income.

Our minimum loan amount is $75,000 across all programs — Fix & Flip, BRRRR, DSCR Rental, and Short-Term Rental. New Construction starts at $150,000. We go up to $5,000,000 on most programs.

Yes, with some exceptions. Our lender network covers most U.S. states. Programs are not available in Nevada, South Dakota, North Dakota, or Utah. Contact us with your target state and property type and we'll confirm availability.

LTV (Loan-to-Value) is the loan amount divided by the current property value. LTC (Loan-to-Cost) is the loan amount divided by the total project cost including purchase and rehab. ARV (After-Repair Value) is the projected value of the property after improvements. We lend against all three depending on the program.

Fix & Flip bridge loans have no prepayment penalty — sell or refi whenever the deal is done. DSCR and STR loans typically carry a 3-year step-down prepayment schedule (3-2-1). We'll disclose all prepayment terms before you sign.

It starts here, online. Fill out our 6-step application covering your loan type, property details, deal parameters, and borrower profile. We review every application within 2 business hours and reach out directly. No automated black boxes — a real person reviews your deal.

Yes, with caveats. First-time flippers are considered on a case-by-case basis, typically with a lower LTV, higher reserve requirements, or a mentorship arrangement. Show us the deal — if the numbers work and you have a solid exit strategy, we'll find a way to fund it.

We fund non-owner-occupied investment properties including single-family homes, 2-4 unit multifamily (up to 10 units for DSCR/STR), condos (warrantable and non-warrantable by program), and townhomes. Properties must be in the United States and in eligible states.

For new construction and renovation loans, funds are released in draws tied to project milestones (foundation, framing, rough-in, drywall, completion). Each draw is inspected before release. You submit a draw request, we order an inspection, and funds are typically released within 48 hours.

Reserve requirements vary. DSCR loans typically require 6 months of PITIA (principal, interest, taxes, insurance, HOA). Fix & Flip loans require proof of funds to cover rehab budget shortfalls and carrying costs. New Construction requires full project budget documentation. We'll tell you exactly what's needed for your specific deal.

They're often used interchangeably, but bridge loans are typically short-term financing used to bridge a gap between purchase and a permanent loan or sale. Hard money loans are asset-based loans from private lenders, secured by the property rather than your personal income or credit. Our Fix & Flip bridge loan program is both —a short-term, asset-based bridge loan designed for investors who need to move fast.

Yes. Our DSCR and STR programs have no limit on the number of financed properties. Fix & Flip bridge loans are evaluated deal by deal. Experienced investors with existing portfolios are welcome —portfolio experience can actually improve your terms.

Yes. We encourage investors to hold properties in an LLC. Our programs are designed for entity ownership —single-member LLCs, multi-member LLCs, and corporate borrowers are all eligible. Personal guarantees may be required depending on the program.

We cover most U.S. states. Programs are currently not available in Nevada, South Dakota, North Dakota, or Utah. All other states are generally eligible, though specific program availability can vary by state. Contact us to confirm availability for your target market.

Start with the deal type: if you're buying and renovating to sell, Fix & Flip is your program. If you're holding for rental income, DSCR is right. If you're doing the full Buy-Rehab-Rent-Refinance-Repeat cycle, we have a BRRRR bridge-to-refi path. Building ground-up? That's New Construction. Buying or refinancing an Airbnb or VRBO? That's STR. When in doubt, submit your deal and we'll tell you exactly where it fits.

A real person reviews your submission —typically within 2 business hours. If your deal fits a program, we package your scenario and introduce you to the right institutional lending partner. You'll receive a term sheet directly. From there, the lender handles underwriting and closing. We stay involved to make sure nothing falls through the cracks.