Hard Money Loans Built to
1st Private Capital provides nationwide business-purpose hard money loans for real estate investors who need to move faster than traditional financing allows. It is how you get into the property. Our DSCR rental loans are how you keep it.
Eligibility is determined by the use of loan proceeds and the strength of the deal. Owner-occupied properties may qualify in some states when the funds are used for an eligible business purpose.
Built around the deal.
Five things shape a hard money loan here. None of them is a committee, a credit box, or a third party's calendar.
What it is worth today and what it can be - that is where underwriting starts.
Real equity in the transaction is what makes the loan strong and the decision fast.
A clear reason the deal makes money. We lend toward it, not around it.
The loan is shaped to fit the transaction - not the other way around.
A clear path to repayment - a sale or a refinance - anchors every loan.
Hard money without the friction.
Every step that slows a traditional loan down has been removed, rebuilt, or brought in-house.
Complete submissions get terms instantly.
Value is evaluated in-house - no waiting on third parties.
When the deal is ready, the capital is ready.
Junior liens, cross-collateral, and terms built around the deal.
The people who review the deal are the people who approve it.
You talk to decision-makers, not a call center.
Bridge is how you get in. DSCR is how you stay.
Four programs, built to run in sequence: bridge to acquire, fix and flip or ground-up construction to build the value, DSCR to hold. The bridge loan wins the deal with the speed and certainty of cash. Once the property is stabilized and leased, a nationwide DSCR rental loan qualified on its own cash flow lets you hold it for the long term - with the same team, and no starting the file over. Then recycle the capital into the next one.
Instant term sheet, close in 2 weeks, no traditional appraisal.
Renovate, lease, and get the rent flowing while the bridge carries the project.
Exit the bridge into long-term financing qualified on the property's cash flow.
Keep the rental, recycle your capital, and move to the next deal.
Capital for the whole board.
Move on a purchase with cash-buyer speed and certainty.
Replace maturing debt or reset the clock while the exit comes together.
Second-position capital behind existing financing.
Use equity across multiple properties to structure the loan.
Bridge capital for retail, office, industrial, and other commercial assets.
Twelve months, interest only, on a finished 1-4 unit ahead of a rental takeout, a sale, or a refinance out of a maturing loan.
Bridge capital for multifamily acquisitions, refinances, and repositions, including small-balance transitional loans on 5+ unit buildings.
Complex, time-sensitive, or unstabilized transactions.
Buying and renovating a 1-4 unit? The purchase and the rehab budget in one loan, drawn as the work completes. See Fix and Flip Loans.
Building new on a lot? The land and the construction budget in one loan for experienced builders. See Ground-Up Construction.
Our second core product: long-term rental financing qualified on the property's cash flow. Exit the bridge with the same team - see the DSCR page.
Real estate, evaluated by the deal.
- Single-family investment properties
- Owner-occupied real estate with eligible business-purpose proceeds, where state law permits
- Multifamily
- Mixed-use
- Commercial
- Land, when appropriate
- Other real estate
Where hard money wins.
A purchase contract with a short close date, where winning the deal depends on speed and certainty.
A conventional loan that stalled or was declined late in escrow, with a closing date that will not move.
An existing bridge or balloon note coming due before the long-term refinance or sale is ready.
A free-and-clear or low-leverage property, where a cash-out unlocks capital for the next opportunity.
A vacant, unstabilized, or mid-renovation asset that does not fit traditional underwriting today.
A time-boxed purchase that requires proof of funds and a fast, reliable close.
One partner exiting the deal, funded against the equity in the property.
Seven items. That is the file.
Send the basics and we can respond with terms and next steps. No published rate sheet or rigid online guideline replaces a review of the actual deal.
- Property address
- Requested loan amount
- Purchase price or current value
- Existing debt
- Exit strategy
- Target closing date
- Borrowing entity and contact information
From opportunity to funding.
Address, loan amount, value, existing debt, and exit. That is all we need to start.
Instant terms on complete submissions, decided in-house.
A focused checklist - only what the transaction actually requires.
Close in 2 weeks. Compete and win on speed and certainty.
Questions, answered straight.
What is a hard money loan?
A hard money loan is short-term financing secured by real estate. It is underwritten on the property, the equity, the use of funds, and the opportunity. Investors use hard money to acquire, refinance, or unlock equity while a longer-term plan comes together.
How fast can you issue a term sheet?
Complete submissions receive an instant term sheet. Send the property address, the requested loan amount, the purchase price or current value, any existing debt, the exit strategy, and the target closing date, and we respond with terms.
How fast can you fund?
You close in 2 weeks. Decisions are made in-house, so the timeline is driven by title and closing logistics rather than by our process.
Do you require a traditional appraisal?
No. We do not require a traditional appraisal. Value is evaluated in-house, which removes one of the slowest steps in a typical lending timeline.
Can the property be owner occupied?
Sometimes, and it depends on the state. The use of loan proceeds determines whether a request is business purpose, but several states restrict business-purpose lending secured by an owner-occupied property regardless of how the proceeds are used. Owner occupancy alone does not determine eligibility. Ask us about the specific property before planning around it. Every request remains subject to underwriting, documentation, and applicable law.
Where do you lend?
Nationwide. Availability remains subject to the property, the business purpose, underwriting, documentation, and applicable law. See every state on the Where We Lend page, or start with California, Texas, Florida, New York, New Jersey, Colorado, North Carolina, Tennessee, Missouri, or Oklahoma.
What types of properties do you lend on?
Single-family investment properties, multifamily, mixed-use, commercial, land when appropriate, and other real estate. Owner-occupied real estate may be eligible where state law permits. Loans are for business purposes only, and eligibility is determined by the use of proceeds. When a commercial or mixed-use building needs long-term financing rather than a bridge, our commercial and mixed-use term loans carry it for thirty years.
Do you offer long-term rental (DSCR) loans?
Yes. DSCR rental loans are one of our four programs, alongside hard money bridge, fix and flip, and ground-up construction loans - long-term financing for rental properties, qualified on the property's cash flow and offered nationwide. Many investors acquire and renovate on our bridge loan, then work with the same team to refinance into a DSCR loan and hold the property. See the DSCR Loans page for the full picture.
Do you offer fix and flip and ground-up construction loans?
Yes. A fix and flip loan funds the purchase and the renovation of a 1-4 unit property in one loan, with the rehab budget held back and drawn as the work completes. A ground-up construction loan funds the lot and the build for investors with construction experience. Both are nationwide, and both exit into a sale or a DSCR rental loan with the same team.
Do you work with brokers?
Yes. Brokers get fast scenario reviews, direct access to the decision-makers, and a straight answer on whether a deal fits. Visit the Partners page to get started.
Ready to Move?
Tell us what you are working on. We will respond with terms and next steps.