Capella Mortgage offers flexible LTV options tailored to each deal. For flip properties, they may finance 100% of purchase price based on ARV, comps, experience, and property size. Construction loans typically provide 80% of build costs or 60% of final value, requiring paid-for land. Terms vary by location, property type, and builder reputation.

Capital Funding Financial is a direct nationwide private lender offering fast, simplified loans. Close in 3+ days with minimal documentation - no tax returns, credit score requirements, or appraisals for most deals. LOIs in 24hrs. Streamlined process without any red tape or drama.

Alto Capital (formerly Equity Lending Solutions) is a direct private/hard money lender for Florida investment properties, including single-family, condo, condo-hotel, and multifamily. We offer 24-hour term sheets, 10-day closings, no prepayment penalties, and remote closing options. Foreign nationals welcome.

Since 2006, ZINC Financial has funded billions in private money loans through its own fund. As a true direct lender, we offer fix-and-flip, rehab-and-rent, bridge, and construction loans with up to 92.50% LTC. We handle all decisions in-house, welcome investors with 660+ FICO, and require no prepayment penalty on rehab and bridge loans.

Gelt Financial, a South Florida direct portfolio lender since 1989, provides non-bank loans for real estate investors. With 10,000+ closed loans, we offer direct access to decision-makers for fast approvals without committees. As private lenders, we welcome complex deals and tackle any financing challenge.

Crosby Capital USA is a unique and creative direct lender for short-term bridge loans in Florida and the New York City metro area. Our maximum LTV is a conservative 60%, but can fund loans that most other lenders shy away from.