California Private Capital Authority
Hard money and private money lending for investment property and complex capital needs. Structured for complex deals. Real borrowers. Real scenarios. Non owner occupied funding structured around asset value, equity position, and defined exit strategy. No income verification. No W2 required. Asset-based approvals across Southern California and beyond.
Most deals do not fail on price. They fail on structure. Fix the structure. Close the deal.
Private Capital Structuring
Asset backed capital solutions built for speed, certainty, and complex scenarios that traditional lenders won't touch. Ask Our AI Advisor →
Private Capital Structuring
Asset backed capital solutions designed for non owner occupied residential and commercial real estate investments. Structured around value, not W2s.
Built for scenarios conventional underwriting rejects: complex or layered income, LLC and entity held title, non warrantable properties, and multi property or cross collateral structures. Approval is driven by loan to value and equity position, not tax returns or debt to income ratios.
Bridge Funding
Short term capital to secure acquisitions, stabilize properties, or execute time sensitive opportunities before conventional financing can move.
Closes the gap between a time sensitive purchase and permanent financing or sale. Common uses: closing before a pending sale funds, acquiring a property a bank is too slow to finance, or stabilizing an asset ahead of refinance. Interest only terms, typically 6 to 18 months, close in 5 to 7 days.
Fix and Flip Financing
Strategic funding for value add projects with structured draws and clear exit alignment. From distressed single family to multi unit repositioning.
Funds up to 90% of purchase cost and 100% of rehab budget, capped at 70% of after repair value. Draws release as renovation milestones are completed and verified. Built for single family flips, light to heavy rehab, and small multi unit repositioning, experience is not required to qualify.
Equity Based Lending
Capital aligned to property equity position not tax returns or traditional underwriting models. Your equity is the qualification.
Qualification is set by the equity in the asset, not personal income documentation. Fits self employed borrowers, retirees, and anyone with complex tax returns who does not fit conventional debt to income guidelines. No W2s, no tax returns, no income verification required.
2nd and 3rd Position Loans
Flexible subordinate financing structured to preserve ownership while unlocking trapped equity. Solutions for scenarios banks won't approach.
Access trapped equity without disturbing an existing low rate first mortgage. Common uses include funding a down payment on a new purchase, covering a tax obligation, buying out a partner, or bridging a short term cash need while the first lien stays untouched.
Distressed Property Solutions
Capital deployment for bankruptcy, notice of default, lien pressure, or urgent refinance scenarios. Time critical. Execution focused.
Deployed under real time pressure: active notice of default, an approaching trustee sale date, bankruptcy proceedings, or a lien payoff deadline. When sufficient equity exists and an exit strategy is defined, capital can be structured and funded fast enough to intervene before a forced sale.
Private Capital. Clear Process.
Four decisive steps from scenario intake to funded structured around the asset, not the paperwork.
Scenario Intake
Submit your investment details: property type, current value, existing liens, timeline, and exit strategy.
Asset driven, not paperwork driven.
Underwriting Review
We evaluate equity position, collateral strength, and structural risk focusing on realistic numbers and repayment clarity.
Speed matters, but discipline protects all parties.
Approval Structuring
Once terms are aligned, we issue a clear approval outlining position, leverage, pricing, and timeline.
No ambiguity. Just executable capital.
Capital Deployment
Once documentation is finalized, funds are released per the agreed structure acquisition, refinance, or rescue funding.
Deployed with precision and speed.
Aggressive Real World Funding
California and nationwide markets. Every scenario, every structure, every position.
Fix and Flip
- Up to 90% LTC / 100% Rehab Cost
- Up to 70% of ARV (After Repair Value)
- Close in 5 to 7 Days
- Nationwide Coverage
- No Experience Required
Ground Up
- Vertical Construction
- Land Acquisition
- Fast Draw Cycles
- Up to 70% LTV on Completed Value
- $100,000 to $5,000,000+
Rental and Bridge
- Interest Only Options
- No Pre Pay Penalties
- Stabilize and Exit
- DSCR Options Available
California Direct
- 1st 2nd and 3rd Position
- Foreclosure Rescue
- Cross Collateral
- No Appraisals Needed
- Up to 65% LTV Direct Capital
Southern California Deals Closed
Recent funded transactions across Los Angeles and Southern California markets. Bridge · Private Capital · Asset Based · Close window 4 to 7 days.
Private Capital FAQ
Answers to the most common questions about private money lending, hard money loans, and asset-based financing in California and nationwide.
Do I need W2 income or tax returns to qualify?
How fast can you close a hard money loan?
What lien positions do you lend in?
Can private capital stop a foreclosure?
What is a DSCR loan?
Do you lend outside California?
What is the difference between a hard money loan and a private money loan?
What is ARV and how does it affect my loan amount?
What is the minimum loan amount?
Are there prepayment penalties?
Tell Us About
Your Scenario
Private capital decisions are asset driven. Tell us the basics and we'll structure your path to funded.
- Closings in 3 to 15 days
- Equity based approvals no W2 required
- 1st 2nd and 3rd lien positions
- Direct communication with decision makers
- California and nationwide coverage
Real Estate Services: TMireBroker & Co.
The Troy Mire Team
Focused on delivering strategic real estate funding solutions for investors who need more than traditional financing can offer. Whether you are flipping a property, repositioning a portfolio, or navigating a complex deal, we bring what banks cannot: speed, creativity, and certainty of execution.
We don't just fund transactions we help structure them. As capital specialists, we understand the real value behind a project, not just the paperwork behind a borrower.
About Troy Mire
Troy Mire has been a trusted name in California real estate and lending for over two decades. With a background that spans brokerage, investing, and private lending, he brings an operator's mindset to every deal. Over 20 years of experience and more than $250 million in combined transaction volume. CA DRE 01199870 | NMLS 1795353.
Move quickly. Structure smartly. Always protect the deal.
- Closings in 3 to 15 days
- Equity based approvals
- 1st 2nd and 3rd positions
- Direct communication
LET'S TALKStrategy.
Serving All of California and Beyond