Flexible Loan Programs for Every Real Estate Strategy
From flips to new builds, we fund the deals that move you forward.
Fix & Flip Loans
Quick capital for property renovations and resale.
Our Fix & Flip loans are ideal for investors purchasing undervalued or distressed properties with plans to renovate and sell for profit. We fund both the purchase and rehab so you can scale faster.
Key Terms:
- Up to 90% Loan-to-Cost (LTC)
- 100% Rehab Financing
- Interest-Only Payments
- 6–12 Month Terms
Use Cases:
- Residential flips
- Cosmetic rehabs
- Short-term resell projects
Eligibility:
- First-time or experienced flippers
- Property must show value uplift through rehab
- Clear exit strategy (sale or refinance)
Ground-Up Construction Loans
From dirt to done — we fund it all.
For investors and builders looking to construct new residential properties, our ground-up loans offer staged funding based on your project timeline.
Key Terms:
- Up to 85% Loan-to-Cost
- Up to 70% ARV
- Draw-Based Disbursement
- 12–18 Month Terms
Use Cases:
- Single-family spec homes
- Small multifamily developments
- Infill lots in urban areas
Eligibility:
- Land owned or under contract
- Approved construction plans and budget
- Timeline and exit strategy defined
Bridge Loans
Fast capital for time-sensitive opportunities.
Need to move quickly on a property or refinance while waiting for permanent financing? Bridge loans offer flexibility and speed when timing is critical.
Key Terms:
- Loan Terms from 6 to 24 Months
- Up to 75% LTV
- Minimal Docs Required
- Interest-Only Payments
Use Cases:
- Quick acquisitions
- Refinancing short-term debt
- Holding property during repositioning
Eligibility:
- Solid exit plan (sale or long-term refi)
- Commercial or residential investment use
DSCR Loans
No income docs. Just cash-flowing real estate.
Our Debt Service Coverage Ratio (DSCR) loans allow you to qualify based on rental income, not personal financials. Ideal for portfolio investors and LLC borrowers.
Key Terms:
- No Tax Returns or W-2s Required
- Up to 80% LTV
- Based on DSCR (typically 1.0+)
- Long-Term Fixed or ARM Options
Use Cases:
- Rental properties
- Short-term rentals (Airbnb/STRs)
- Portfolio acquisitions or refinancing
Eligibility:
- Minimum DSCR of 1.0
- Rent must cover debt payments
- Title held in LLC or entity preferred
Why Borrow With CapitalFlow?
Fast Closings
Average closing in just 14 days
Investor-Focused
Built by real estate pros, for real estate pros
Nationwide Lending
Active in 42 states and growing
Loan Program FAQs
How quickly can you close?
We can close in as little as 10–14 days depending on title and appraisal.
Do I need experience to get a Fix & Flip loan?
No, but a solid plan and comps help. We’ve funded many first-time investors.
Can I get funding under my LLC?
Yes. All our loans are to business entities, not personal names.
Do you work with out-of-state investors?
Absolutely — we lend in 42 states across the U.S.
Can I finance multiple projects at once?
Yes. Many of our clients have multiple concurrent loans.
