Hard Money
Fix & Flip Loans &
Ground-Up Construction Loans
FAST CLOSINGS. NO UPFRONT FEES . NO APPRAISAL REQUIRED
When your borrower is purchasing an investment property, renovating a distressed asset, completing a major rehab or building a new investment property from the ground up, Direct Private Capital Group, Inc. helps brokers review available private lending options and move qualified scenarios forward.
We focus on understanding the transaction and identifying a workable structure—not forcing every deal into the same bank-style box.
- CALL TODAY AND SPEAK DIRECTLY WITH A CONSTRUCTION LENDING SPECIALIST.
Why Mortgage Brokers Send Their Deals to Direct Private Capital Group
A broker’s reputation is affected by every lender relationship. Slow answers, unclear conditions and last-minute surprises can damage the borrower relationship and cost the broker future business.
No upfront fees
Brokers can present the transaction for an initial review without paying an application or evaluation fee simply to discuss the scenario.
No junk-fee approach
Brokers can present the transaction for an initial review without paying an application fee to discuss the scenario.
NO Minimum Credit
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NO Appraisal Required
Certain transactions may qualify for a broker price opinion, automated valuation, desktop review, existing appraisal review or other valuation method.
No Experience Required
First-time investors and builders may be considered when the property, leverage, project team, budget, liquidity and exit strategy support the request.
Business Purpose Loans
Certain transactions may qualify for a broker price opinion, automated valuation, desktop review, existing appraisal review or other valuation method.
Dedicated Processing Team
Certain transactions may qualify for a broker price opinion, automated valuation, desktop review, existing appraisal review or other valuation method.
Fast Preliminary Reviews
First-time investors and builders may be considered when the property, leverage, project team, budget, liquidity and exit strategy support the request.
Direct access to decision-makers
Certain transactions may qualify for a broker price opinion, automated valuation, desktop review, existing appraisal review or other valuation method.
Financing Option
OPTION 1
100%
PURCHASE PRICE
100%
CONSTRUCTION COST
75%
ARV
OPTION 2
95%
LTC
75%
ARV
INTEREST RATES
8.990%
Rates depends on the transaction, leverage, borrower profile and overall risk.
WHY BROKERS KEEP COMING BACK
The best brokers understand one thing:
Every lender can say yes.
The difference is how quickly, how consistently, and how professionally they get to the closing table.
Our goal is simple:
- Help you close more transactions.
- Help your borrower obtain financing.
- Help you build repeat business.
When your reputation is on the line, responsiveness matters.
ELIGIBLE PROPERTY TYPE
- Single Family Residence
- Townhomes
- Duplexes
- Condominimums
- Triplexes
- Spec Homes
- Investment Properties
- Fourplexes
- Build to Sell Projects
- Residential Construction
LOAN USES
- Purchase
- Refinancing
- Cash-Out-Refinance
- Fix & Flip
- Portfolio Expansion
- Ground-up construtcion
- Bridge Financing
- Construction Completion
- Spec Construction
- Investment Acquistion
Designed for Brokers
Whether your client is an experienced investor or purchasing their very first investment property.We review each opportunity individualy.
Many transactions declined elsewhere may still qualify under pur lending platform.
Our LOAN PROCESS
Submit the Loan Scenario
Construction Lending Specialist Reviews the Scenario
Receive Preliminary Loan Structure
Complete Underwriting Review
Loan Documents and Closing Conditions
Funding
Frequently Asked Questions
Do borrowers need previous fix-and-flip experience?
Not in every case. First-time investors may be considered, but each transaction reviewed individually.
How quickly can a broker receive preliminary feedback?
Many complete submissions can receive preliminary feedback quickly, but timing depends on the complexity of the scenario & whether the required information is included.
What is the best way to receive an accurate preliminary structure?
Send a complete scenario with the property, borrower, requested loan, costs, value, experience, liquidity, timeline, documents and exit strategy.
Are there upfront lender fees?
There is no upfront lender fee simply to submit a preliminary scenario for review.
Can a first-time investor qualify?
Eligibility depends on the strength of the complete transaction, including collateral, leverage, liquidity, contractor support, budget, project complexity and exit strategy.
Is there a minimum credit score?
There is no single minimum credit score that applies to every scenario presented through this page.
Can the loan be used for an owner-occupied home?
No. The programs described on this page are for business-purpose, non-owner-occupied investment-property transactions.
Can a broker submit a deal that another lender declined?
Yes. Include the reason for the prior decline. A different structure may be possible, but a prior decline does not mean the new transaction will qualify.
Are construction funds disbursed at closing?
Up to 100% of the purchase price and up to 100% of eligible construction costs may be considered for select qualifying transactions, and all underwriting requirements.
WHY CHOOSE DIRECT PRIVATE CAPITAL GROUP?
TRANSPARENT LBT
No hidden surprises
FAST RESPONSE
Speak with knowledgeable professionals throughout the transactions
FLEXIBLE UNDERWRITING
Every transaction needs an individual review
SPEED
Time-sensitive investment opportunites required responsive execution.
BROKER FOCUSED
Your success helps build long term relationships and repeat business.
READY TO CLOSE MORE LOANS?
If your borrower has been declined elsewhere, lacks conventional documentation or needs a flexible construction structure, do not assume the deal is over.
Submit the complete scenario and let a construction lending specialist review the property, project and available options.
CALL DIRECT PRIVATE CAPITAL GROUP TODAY AND SPEAK WITH A LENDING SPECIALIST.
- 833-664-7505