Direct Private Lending for Real Estate Investors
Fix & flip, ground-up construction, bridge, and DSCR loans on 1-4 unit residential investment properties — funded directly, with closings as fast as 7 days.
Which loan program fits your deal?
Nationwide coverage
Lending across 44 states.
Direct lender
Decisions made in-house — no middleman.
Close in 7 days
Fast, in-house closings.
1-4 unit specialists
Residential investment only.
Financing for every stage of your deal
Four programs, one direct lender. Whether you're flipping, building, bridging, or holding for rent, we have capital structured for the deal.
Renovation capitalFix & Flip Loans
Short-term financing for the purchase and renovation of investment properties.
Build newGround Up Construction Loans
Financing to build new 1-4 unit investment properties from the ground up.
Bridge the gapBridge Loans
Short-term bridge financing for investors who need fast, flexible capital between transactions.
Cash-flow qualifyingDSCR Loans
Long-term rental financing qualified off property cash flow — not personal income.
A clear path from application to funding
Five steps, no surprises. We move at your pace — and as fast as 7 days when the deal is ready.
- 01
Apply
Submit a short pre-qualification form. No upfront fees, no hard credit pull — tell us about your deal.
- 02
Get a Term Sheet
Receive a clear term sheet with rates, LTV, and terms — usually within 24 hours of review.
- 03
Underwriting
Our in-house underwriting team reviews the property and your project. Decisions are made directly — no middleman.
- 04
Close
Sign and close on your timeline. We coordinate with title so closing happens as fast as 7 days.
- 05
Fund
Funds are wired and, for rehab builds, draws release as your milestones are verified. You get to work.
A direct lender investors trust with the big numbers
We're not a lead generator passing your file around. We make decisions in-house, fund our own loans, and have built a track record doing exactly one thing: financing 1-4 unit residential investment properties.
12+
Years in business
$1.4B+
Loans funded
44
States served
2,800+
Deals closed
Trusted by investors across the country
"Capital 26 funded our fix-and-flip in nine days and released rehab draws the same week inspections cleared. They treated it like their own deal."
Marcus T.
Fix & Flip Investor · Phoenix, AZ
Fix & flip · $485K loan · closed in 9 days
"Capital 26 funded our fix-and-flip in nine days and released rehab draws the same week ins…"
Marcus T. · Phoenix, AZ
"I qualified for a DSCR loan without W-2s. The team understood rental cash flow and closed …"
Priya S. · Tampa, FL
"We built two new duplexes from the ground up. Their construction draws were predictable an…"
Daniel R. · Columbus, OH
"Needed to bridge between a sale and my next purchase. Capital 26 moved fast, no drama, and…"
Sofia M. · Dallas, TX
Straight answers, no fine print
We are a direct private lender. We make lending decisions in-house and fund our own loans, which is why we can close in as little as 7 days. There is no middleman.
We lend exclusively on 1-4 unit residential investment properties — non-owner-occupied. We do not lend on owner-occupied homes or commercial / 5+ unit multifamily.
Closings as fast as 7 days once we have a complete file. Most loans close in 7-14 days depending on title, appraisal, and how quickly documentation comes back.
No. Pre-qualification is free and does not require a hard credit pull. Standard third-party costs (appraisal, title) are disclosed in your term sheet.
Ready to fund your next deal?
Apply in minutes — no upfront fees, no hard credit pull. Get a term sheet from a direct lender, usually within 24 hours.