Frequently Asked Questions

❓ What is private capital lending?

Private capital lending—also known as hard money lending—is asset-based

financing secured by real estate. Approval is based primarily on the property’s equity,

not the borrower’s credit score or income.

❓ Who do you lend to?

We work exclusively with real estate investors:

Fix & Flip professionals Buy & Hold landlords Developers

Builders Investors in special situations (NODs, BKs, etc.)

❓ What types of properties do you fund?

We fund residential (non-owner-occupied),

multi-family, mixed-use, land, and some commercial properties across California.

❓ How fast can you close?

In many cases, we can close in 3–10 days ,

depending on title, appraisal, and deal complexity.

❓ Do you require income or credit verification?

No. We focus on equity and exit strategy

, not traditional underwriting. We can fund borrowers with:

Low credit scores BKs or foreclosures No tax returns

❓ What loan positions do you fund?

We offer: 1st position loans

2nd and 3rd position seconds (case-by-case)

Gap funding for stacked capital needs

❓ What are your loan terms?

Loan amounts: $50K to $5M+

Terms: 6–24 months Interest-only

Competitive rates, no junk fees

❓ Can I get a cash-out refinance?

Yes, if there’s sufficient equity. We offer cash-out refis

even on properties with recent purchases, NODs, or credit issues.

❓ Do you lend on owner-occupied properties?

No. We fund investment properties only.

Or contact - Troy directly at:

📧 [email protected]

📞(562) 244-7963