PRIVATE MONEY LOANS
Bridge Loans
Private money and hard money loans for quick cash transactions or repositioning of debt.
Fix & Flip Loans
Low-cost private money financing for rehabbing and reselling a property.
Commercial Loans
Private money and institutional portfolio real estate loans for commercial properties.
Second & Third Mortgages
Private money and hard money financing for second and third mortgages in California.
Construction & Completion Loans
Private money financing for ground-up and partially completed development projects.
Rental Property Loans
Private money and institutional financing to improve your return on investment.
BRIDGE LOANS
Bridge loans are primarily used by investors who need short-term financing to acquire a property quickly or to reposition debt across one or many investment properties. Some borrowers use bridge loans for as little as 30 days, while others utilize the loan for several years depending on the size and scope of the project.
RESIDENTIAL PURPOSE
Business Purpose Loans
- Non-owner occupied
- Residential and commercial properties
- $100,000 to $15 million
- Stated income
Consumer Purpose Loans
- Owner occupied
- Residential – California, Oregon, and Washington
- $100,000 to $5 million
- Income verification: W2, 1099, bank statements (business or personal)
Disclaimer: Information, rates, and pricing are subject to change without prior notice. All loans subject to borrowers and underlying collateral meeting First Capital Trust Deeds’ and/or assigns then-current underwriting criteria. Other restrictions apply.
FIX & FLIP LOANS
Our Fix & Flip Closed-End Loans and Lines of Credit offer experienced investors high-leverage financing for the acquisition and renovation of residential projects.
Fix & Flip
- Up to 90% LTV of acquisition cost
- 7.25% to 11.00% interest-only
- Lower rates at lower LTV
- 6–12 month terms
- Quick closing (3–14 days)
Fix & Flip + Rehab Funding
- Up to 85% purchase + 100% rehab
- 85% | 85% — most common structure
- Up to 70% of After Repair Value (ARV)
- 7.50% to 11.50% interest-only
- Flexible rehab draw schedule
Revolving Line Of Credit
- Open-ended line of credit
- $500,000 to $10 million lines
- 80% of appraised value per property
- Rates from 7.25% and up
- Get access to funds within a few days
Disclaimer: Information, rates, and pricing are subject to change without prior notice. All loans subject to borrowers and underlying collateral meeting First Capital Trust Deeds’ and/or assigns then-current underwriting criteria. Other restrictions apply.
Commercial Loans
Our loan partners provide borrowers with both short-term bridge loans and long-term permanent financing using institutional and private capital sources.
Private Money Loans
- 1, 2, 5, and 15-year programs
- Rates start at 5.90%
- Up to 75% loan-to-value (LTV)
- Investor to owner-user
- Asset-based or debt service coverage programs
Institutional Loans
- 12-month bridge to 20-year amortization
- Rates from 4.50% and up
- Up to 75% loan-to-value (LTV)
- Vacant to fully stabilized programs
- Investor to owner-user
Disclaimer: Information, rates, and pricing are subject to change without prior notice. All loans subject to borrowers and underlying collateral meeting First Capital Trust Deeds’ and/or assigns then-current underwriting criteria. Other restrictions apply.
Second & Third Mortgages
Our hard money second mortgages are easy to qualify for and can be a great alternative to bank financing for active real estate investors who need funds quickly.
Fixed Term Second Mortgage: Business Purpose
- Owner occupied & non-owner occupied
- 1, 3, or 5-year terms
- Interest-only
- For business or investment only
- Close in 3–7 business days
- Residential and commercial properties
Revolving Line Of Credit
- Owner occupied business purpose
- Non-owner occupied business purpose
- Residential and commercial properties
- 12, 24, and 36-month terms
- Pay interest only on funds used
- Closing in 10–14 days versus bank credit lines (30–60 days)
Disclaimer: Information, rates, and pricing are subject to change without prior notice. All loans subject to borrowers and underlying collateral meeting First Capital Trust Deeds’ and/or assigns then-current underwriting criteria. Other restrictions apply.
Construction Loans
Hard money construction loans allow you to start or finish building a custom home or commercial building faster than going through a lengthy bank financing process. With as little 20% down of total cost, you can begin building within three weeks.
Loan Features
- Extremely competitive rates and points
- Easy lending on all of your residential ground up projects
- Create more opportunities with fast loan turnaround
- Quick hassle-free draws to keep projects moving
Disclaimer: Information, rates, and pricing are subject to change without prior notice. All loans subject to borrowers and underlying collateral meeting First Capital Trust Deeds’ and/or assigns then-current underwriting criteria. Other restrictions apply.
Rental Property Loans
Rates starting in the high 4.00% range are an excellent way to increase cash flow on rental properties. Great for purchasing and refinancing 1–4 unit residential properties.
Private Money Loans
- 12-month bridge to 5-year fixed
- Pricing starting at 5.90% to 10.99%
- Up to 80% loan-to-value (LTV)
- Equity-based pricing
- Stated income and assets
Non-Qualified Mortgages
- 5, 7, and 30-year fixed term
- Pricing from 4.50% to 8.50%
- Residential 1–4 Units
- Up to 80% loan-to-value (LTV)
- Equity-based pricing up to 65% LTV
- FICO, rental income, and liquid assets used to qualify
Bank & Institutional
- 5, 7, 10, and 30-year terms
- 4.50% to 6.50%
- Up To 65-70% loan-to-value (LTV)
- Mixed-use, multi-family, office, retail, warehouse
Disclaimer: Information, rates, and pricing are subject to change without prior notice. All loans subject to borrowers and underlying collateral meeting First Capital Trust Deeds’ and/or assigns then-current underwriting criteria. Other restrictions apply.
Luxury Home Loans
Our trusted lending partners offer expedited private money financing on high-value properties. With experience in metropolitan markets in California, Oregon, Washington, Florida, and Illinois, our private, portfolio, and institutional funding sources can close transactions in as quickly as 1–3 weeks.
Private Money
- $1,000,000 to $30,000,000
- Up to 65% loan-to-value (LTV)
- Acquisition, refinance, and cash-out
- Residential and commercial
- Non-owner, multi-family, and vacant properties
- Collateral — single property or multiple properties
Non-Qualified Mortgages
- Pricing from low 4.00%
- Full docs — W2, 1099, business bank statements, P&L
- Residential
Non-Owner Occupied Rates from High 4.00%:
- Multifamily
- Vacation rentals
- Light docs — rental agreements, liquid assets
Bank & Institutional
- Up to 70% loan-to-value (LTV)
- Pricing from mid-4.00% to 6.50%
- 12-month to 30-year terms
- Primary, second home, 1–4 rental, mixed-use, and multifamily
- Collateral — single property or multiple properties
Disclaimer: Information, rates, and pricing are subject to change without prior notice. All loans subject to borrowers and underlying collateral meeting First Capital Trust Deeds’ and/or assigns then-current underwriting criteria. Other restrictions apply.
Owner Occupied Loans
Homeowners who do not qualify for FHA, Fannie Mae, or Freddie Mac programs may want to consider owner-occupied private money loans as another financing alternative. From 12-month bridge loans to acquire a property or long-term financing, First Capital Trust Deeds has your owner-occupied mortgage needs covered.
Blanket & Cross-Collateral Loans
Private money blanket and cross-collateralized loans are a great way to utilize existing equity to purchase a new investment property
or restructure debt across your rental portfolio.
