Lending Programs Breakdown | Capital Made Simple LLC

Join

Capital Made Simple

for your next

real estate investment venture

For Fix & Flippers

For New Construction Builders

Short-term loans to renovate and sell residential properties.

Interest Rate: Rates Starting at 9.49%
How Interest is Charged: Interest Charged As Drawn
Property Type: Single Family and 2-4 Unit Multifamily
Income Verification: No Tax Returns Required
Credit Score (FICO): Minimum FICO of 6
Max Loan to ARV: Up to 70% LTV (75% on Case-by-Case Basis)
Experience Requirements: No Prior Experience Required
Loan Term: 12 Month Term w/ No Prepayment Penalty

We enjoy engaging in negotiation. Every transaction varies, so here are the price brackets.

0-5k we charge $2000-10,000
5,001-15k we charge $4000-30,000
15,001-25k we charge $8000-50,000
25,001 - 50k we charge $20,000-100.000
50,001 - 75k we charge $34,000-150,000
75,001 - 100k we charge $50,000-200,000
For EMD we have a 5% upfront deposit ($250 minimum), NON REFUNDABLE, credited toward the fees if the deal goes through. (This fee is wired or zelled directly to us and paperwork on fees will reflect the difference between initial deposit and fee)

Join the Capital Made Simple for your next real estate investment venture. Benefit from our exceptional blend of rates, leverage, efficiency, offerings, and customer service, tailored for your upcoming fix & flip, rental, new construction, and commercial bridge transactions.

We aim to deliver a comprehensive range of loan programs within the private lending sector. Our approach involves rigorously assessing your deals to secure success across all your projects, employing a common-sense method in our underwriting process.

For Wholesalers - EMD Deposits

Funding for developers to build residential new construction homes.

Interest Rate: Rates Starting at 7.99%
Experience Requirements: Strong Credit, Liquidity, and Experience
Property Type: Single Family and 2-4 Unit Multifamily
Build Type: Stick or Modular Build
Max Loan to Cost and Loan to ARV: Up to 90% LTC and 70% ARLTV
Loan Term: 12-18 Month Term Available
How Interest is Charged: Interest Charged As Drawn
Project Description: Land Development or Knockdown Deconstruction

For Investors in Rental Properties

Competitive long-term financing for real estate investors on residential rental properties.

Interest Rate: Rates Starting at 7.25%
Qualifications: Rent-ready and Leased Qualify
Max Loan to Value: Up to 80% LT
Property Type: Loan Amount from $75,000-$2,000,000
Credit Score (FICO): Minimum FICO of 680
DSCR (Debt Service Coverage Ratio): Minimum DSCR of 1.0
Loan Term: 30-year Fixed Rate
Property Type: Single Family, 2-4 Unit Multifamily, and Condo/Townhomes

For Investors in Multi-Family Properties

Long term financing on commercial multi-family and mixed use properties.

Interest Rate: Rates Starting at 8.49%
Loan Size: Minimum Loan Amount $500,000
Max Loan to Value: Up to 75% LTV
Credit Score (FICO): Minimum Credit Score of 680
Loan Term: 30 Year Term Available
Property Type: Eligible Mixed-Use and 5+ Unit Multifamily Properties
DSCR (Debt Service Coverage Ratio): Minimum DSCR of 1.25
Limitation : No Special Use or Commercial Units Only

For Cash-Out Refinance Clients

For Investors in Commercial Multifamily Properties

Bridge loan to purchase and improve a commercial multifamily or mixed-use property.

Interest Rate: Rates Starting at 9.49%
Max Loan to Cost: Up to 85% LTC of Total Project Cost
Property Type: Select Mixed-Use and Multifamily Properties
Limitations: No Special Use or Commercial Only Properties
Loan Term: 12 Month Term
Max Loan to ARV: Up to 75% ARLTV
Loan Size: Minimum Loan Amount of $500,000
How Interest is Charged: Interest Charged As Drawn

Note: The information on this page is subject to change. Please check back regularly for the latest updates.

1.5% for 24 hour transactional loan up to $500,000 (minimum return of $2000)
2% for 24 hour transactional loan $500,000 -1M
2.5% for 24 hour transactional loan $1M-1.5M
.2% per day fee for addition days money is held in escrow
If there are two separate title companies involved in the double close we charge 3%
If there is additional paperwork/terms for morby method/transactional, for example a deal over 500k or needing us on the operating agreement we charge 3%
Deals over 500k for double close and 100k emd need to be discussed over the phone, as rates are not listed. Please contact us for more information.

For Wholesalers - Transactional Funding

Loans to take out cash from equity built in an existing property owned already.

Interest Rate: Rates Starting at 7.49%
Credit Score (FICO): Minimum Credit Score of 680
DSCR (Debt Service Coverage Ratio): DSCR Minimum of 1.1
Seasoning Requirement: Minimum Seasoning of 6 Months Leased
Max Loan to Value: Up to 75% LTV
Property Type: Single Family and 2-4 Unit Multifamily
Loan Term: 30-year Fixed Rate Term
Income Verification: No Income Verification