Financing your first property is scary and daunting. I listened to all the lenders at the [Lifestyles Unlimited] Case Studies more than once. Cary Donham from Capital Concepts stopped me in the hall just to say “hi”. This was the start of a productive partnership for my Hard Money and Conventional lending. Cary and staff are a “boutique” shop. That is, they provide immediate and personalized service. Everyone in the Capital Concepts office has been helpful, knowledgeable, and responsive. This is what I, a novice investor, need most. I fully endorse their services and highly recommend them.
Hard Money Loans
Hard Money Loans for Real Estate Investors
Hard Money Loans are a great resource for financing your rehabs for fix & flips or buy & holds when conventional lending is not available. However, when people think about private lenders, they’re mostly referring to hard money lenders. Capital Concepts provides funding for investors in Houston, San Antonio, Dallas/ Ft. Worth, and Austin. Our sister company, Investor Lending, is a direct lender and offers competitive rates for real estate investors.
How it Works
Get pre-qualified and apply at 4smartmoney.com then select Apply Now. During this process, your Hard Money Loan application will be reviewed by our in-house loan officer team members, and they will reach out to you shortly after your application is submitted.
Go find your qualified investment property. You can do this by teaming up with a Realtor group, such as White Picket Realty in Houston, and/or adding your information to our investment property distribution list on our Contact Us page.
Close on your Hard Money Loan, up to 70% ARV…100% Financing on Purchase and Rehab. Start recruiting your contractors and begin rehabbing your investment property.
Buy & Hold or Fix & Flip
- Buy & Hold: Finish your rehab, pay off contractors, then lease your property to GOOD TENANTS to offset your monthly mortgage payment and leverage your capital.
- Fix & Flip: Finish your rehab, pay off contractors, then sale your property and team up with a reputable Realtor.
Refinance your Buy & Hold into a convention Fannie Mae/ Freddie Mac loan.
Finally, move to your next property!
Here are the facts
- 100% Financing – Purchase REHAB
- Max debt-to-income ratio is 50%
- Finance up to 10 properties FNMA/ 10+ portfolio
- Hard Money Loans Close in 5-19 Days
- No Seasoning to REFI
- Immediate Cash-out on 1-10 Properties
Testimonials
Ralph J
Have a New Question?
Here are a couple ways to get in touch with us
Give us a Call
We have certified and experienced real estate investment professionals standing by to answer any questions you many have and help you with your next steps.
Send us an Email
Drop us a line with your real estate investing questions and a member of our experienced and certified team will get in touch with you shortly.
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