Investor friendly lender specializing in 1-4 unit Fix and Flip and DSCR Rental Loans for experienced investors. Smart Capital Lending is a nationwide, private direct lender for Real Estate Investors. Established in 2017, we provide short-term fix & flip financing and long-term rental financing for Real Estate Investors. Our loans, often called hard money loans, can be used for the purchase or refinance of non-owner occupied residential & commercial properties, financing of renovation project, and bridge funding. Smart Capital Lending lends to real estate professionals, commercial contractors, developers & small business owners throughout the country.

💰 $300K - $20M Loan Amounts. ⏰ We can close your deal in just 5 to 10 days. 📋 We offer no appraisal loans. 🔢 No FICO score requirements. 🏠 Up to 90% of Fix & Flip Financing. 🚧 100% Rehab Financing. We also specialize in unique loan products: 🏞️ Land Loans 🥈 2nd Position Loans 🏘️ Cross Collateralized Loans - Our main goal is to help you grow. With our direct private capital, you can invest more and worry less. No need to depend on big banks or institutions.

5-star rated Lender |Cap One Lending is a direct lender for Hard Money Fix and Flip, Fix and Rent, DSCR Rental Loans, FHA, VA, USDA, and Conventional. Welcome to Cap One Lending, your trusted mortgage partner for your primary home, second home, and investment properties. Whether you're in the process of purchasing a new home and seeking pre-approval, refinancing to reduce interest payments, or leveraging your home's equity for a cash-out option, we are here to support you. As a Veteran-owned and operated company, Cap One Lending takes pride in our daily collaboration with our dedicated team. With roots in the mortgage industry since the early 2000s, we bring decades of experience to the table. Going beyond the traditional role of a mortgage company, we are dedicated to exceeding your expectations by consistently going the extra mile. Building a personal connection and fostering long-lasting relationships with our clients is at the core of our business, driving our passion for what we do. Lending Criteria Minimum Loan Amount: $100,000 (No min on consumer loans) Minimum Credit Scores: 580 - USDA, VA, and FHA 620 - Conventional 660 - Hard Money and Rental Loans Property Type: 1-4 unit Loan to Value: Up to 100% financing for USDA, VA and FHA Up to 97% financing for Conventional Up to 90% LTC and 100% of rehab funds for Fix and Flip and BRRRR's Up to 80% financing for rental properties

As a member of the Bigger Pockets community for about 8 years now, I have been an avid student in the world of financing and real estate investing. After listening to BP podcasts while working in my 9-5 job I realized that I wasn’t going to learn any more in the RE investing world unless I gained some real-world experience. After finding a great lender on a couple of my first investment properties, I realized that was exactly what I wanted to do for others. Become a great asset in the home buying world. For the last 5 years that is what I have strived to become. I believe hands on learning is the best learning. With fix and flips, house hacking, and BRRRR method all under my belt, I feel well equipped to make those goals a reality for those that hope to achieve the same. When I am not investing in Real Estate, I am hiking around Southern Utah with my family. Intercap Lending is a direct Fannie Mae, Freddie Mac, and Ginnie Mae lender that offers a wide variety of loan programs and in-house underwriters who follow agency guidelines for faster closings. We have a large portfolio of FHA, VA, USDA, conventional, and non-conforming loans. Our portfolio also includes specialty programs like 203k, down-payment assistance, reverse mortgages, and bank statement loans. We also have strong relationships with numerous jumbo loan programs and other niche lenders and investors.

Veteran owned and operated with 5 out of 5 stars on Google! Top rated investment lender in MO, KS, TX and FL. MINIMUM LOAN AMOUNT OF 100k. Minimum FICO of 660. DSCR Loan minimum down payment of 20%. 20% down for Conventional. 10%-15% down for Hard Money. We guarantee quick and constant communication throughout the process on every deal! Might sound cliche but nothing is worse than a professional that doesn't answer their phone and takes forever to get back to you. I can always be reached (nights and weekends) which helps my investors win contracts and get closed FAST! Additionally, we have a wide variety of products including in-house hard money, DSCR, Conventional, Government (VA, USDA, and FHA), House Hacking Loan strategies, bridge loans, and more.