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.

Soviero Capital is a family-run direct hard money lender providing asset-based real estate loans. We offer same-day commitments with up to 65% LTV, no credit checks, and terms up to 3 years. We consider improved properties for purchase, refinance, and cash-out loans, with flexible guidelines when risk profiles are satisfactory.

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.