Alta Capital Group

A BETTER WAY TO BORROW

We provide real estate investors with the capital they need to get their projects done.

Our clients trust us to provide the hard money loans they need but may be unable to obtain through traditional mortgage lenders. Our borrowers rely on our competitive terms, follow through, sensible underwriting and ability to close quickly to keep their deals moving.

THE ALTA ADVANTAGE

Real estate investors trust Alta Capital Group to provide the capital they need to get their deals closed on time. Maybe that’s why over 70% of our loans are made to repeat clients?

Our clients have trusted us to fund and close $200,000,000 worth of real estate. Give us a call and let us show you why Alta is the right partner for your next investment deal.

Rehab Fix & Flip Projects
Short-Term Rentals 1-4 units
Short Term Multifamily / Mixed-Use
Long-Term 30-Year Rentals for 1-4 Units
Long-Term 30-Year Multifamily / Mixed-Use
New Construction
Commercial

Property Geographic Area Details

Nationwide Except AK, NV, ND, OR, SD, VT

Loan Amounts

$100,000 to $50,000,000

Interest Rates

6.50% to 11%

Loan Terms

12 months to 360 months

Origination Fees

1% to 3%

Lien Position

1st

Collateral Types

Residential Property
Commercial Property

Loan Purpose

Investment Acquisition
Investment Refinance
Improve Subject Property
Use Equity to Invest in Another Property
Invest in a Business
Business Working Capital
Value Add Project
Development Project

Property Occupancy

Vacant
Tenant Occupied 100%
Tenant Occupied Partial
Owner Occupied Commercial

Maximum Leverage

Purchase Short-Term (no Value-Add):

Max LTP Residential: 80%

Max LTP Multifamily: 75%

Max LTP Commercial: 75%

Max LTP Land: 65%

Max CLTP Mezzanine: 75%

Max CLTP Pref Equity: 75%

Purchase Long-Term

Max LTP Residential: 80%

Max LTP Multifamily: 75%

Alta Capital Group is proud to provide capital solutions tailored to almost any investor’s needs. We pride ourselves on our ability to offer creative solutions to the complex problems our clients present us with everyday. Alta is a direct lender and offers the following programs in almost every state.

REHAB – Purchase & refi options for rehabbers with the ability to finance up to 100% of construction costs
SHORT TERM BRIDGE – Non-construction bridge loans up to 36 months
LONG TERM RENTAL – 30 year, interest only, fixed rate options
NEW CONSTRUCTION – Non-dutch construction loans for developers
MULTIFAMILY / MIXED-USE – Rehab/Bridge capital for apartments & mixed-use projects
COMMERCIAL/INDUSTRIAL – Rehab/Bridge capital for commercial real estate
*NEW*: 30 year program for multifamily / mixed-use properties

REHAB / FIX & FLIP

Loans up to 90% of purchase price (LTP)
Up to 90% of the as-is value (LTV) for borrowers with 3+ experience
Up to 80% LTV for new borrowers in most states
Up to 75% of the after repair value (LTARV)
We can finance up to 100% of the rehab costs
Interest rates start at 7.49%
Purchase, Refinance and Cash Out
6-24 month term
Property Types: 1-4 units, Multifamily, Mixed-Use

SHORT TERM BRIDGE

Up to 75% LTV
Interest from 7.49%
Purchase, Refinance & Cash Out
No DSCR / lease requirements
12-24 month term
Property Types: 1-4 units, Multifamily, Mixed-Use

LONG TERM RENTAL

Our long term rental program for stabilized assets is one of the best in the industry. We offer a 30 year term with, fixed rate, ARM and interest only payment options. The minimum DSCR of 1.1, based on the non-amortized interest payment, makes our 30 year program ideal for properties in lower cash flow states like California.

30 Year term
Interest rates from 4.30%
Interest only payments available
Intended for stabilized assets with tenants in place
Property Types: 1-4 units, multifamily, mixed-use
Minimum DSCR: 1.1

NEW CONSTRUCTION

80% LTC
Rates from 9.49%
SFR, Condo, Multifamily, Mixed-Use
Loan Amounts $250k – $10M
Must have ground up experience
Property Types: SFR, Multifamily, Mixed-Use, Apartments

MULTIFAMILY/MIXED USE

Up to 80% LTV
Interest from 7.49%
Purchase, Refinance & Cash Out
12-24 month term
Property Types: Multifamily 5+, Mixed-Use
*NEW* 30 year loan option

Property Types

2-4 Units Residential
Commercial Condominium
Commercial Land
Condominium
Industrial
Mixed-Use
Multifamily
Office
Portfolio of Commercial Properties
Portfolio of Residential Properties
Residential Land
Retail
Single Family Residence
Storage Facility

Loan Types

Private Money
Hard Money
Residential Bridge
Residential Fix and Flip
Residential Rehab and Rent
Residential Long-Term Rental
Residential Ground-Up Construction

Specialty Loan Types

2nd Mortgage Equity Cash Out
Commercial Permanent Financing
Land Development
Note Purchase
Residential Long-Term Rental
Subdivisions

Will Consider Land That is NOT Entitled

Max LTV for Land

75%

Max LTC for Land Acquisition

Junior Lien Types

Purchase
Refinance
Equity Cash Out

Max Loan-to-Purchase Price

90%

Borrower Must Have Property Under Contract

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

Allowed Source of Borrower’s Equity

Own Cash
Partner
Equity in Subject Property
Equity in Another Investment Property
Equity in Primary Residence
Seller Financing
Gap Lender
Family

Alta offers rehab loan programs for both experienced and first time borrowers. *Experienced Fix and Flip/Rehab Program: - LTV: 90% of Purchase Price - LTARV: 75% max - Rehab Funds: 100% of rehab - Term: 12 months - Experience: 3 deals in last 3 years *New Investors: - LTV: 80% - LTARV: 75% - Rehab Funds: Up to 100% of rehab - Term: 12-24 months Our rehab loan programs are available in all states except AZ, OR, ND, NV, SD and VT

Experience Required

Minimum Number of Value-Add Projects Completed by Borrower

Will Provide Funds for Renovation Costs

yes

Max LTC for Renovation Costs

100%

Interest Charged for Renovation Costs

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw

Maximum After Repair Value

75.00%

Development Experience Required

yes

Minimum Number of Ground-Up Construction Projects Completed by Borrower

Max LTC for Ground-Up Construction Costs

80%

Interest Charged for Construction Costs

Only on Funds Drawn

Will Lend on Partially Completed Construction Projects

Minimum Loan Amount

$100,000

Maximum Loan Amount

$2,500,000

Minimum Interest Rate

3.85%

Maximum Interest Rate

6.50%

Minimum Origination Fee

Maximum Origination Fee

Minimum Loan Term

36 months

Maximum Loan Term

360 months

Minimum Debt Service Coverage Ratio

1.10

Will Lend on a Portfolio of Properties

Yes

Minimum Number of Properties

Environmental Report Fee

If necessary

Fees which are paid to a third party company

Appraisal Fee

Details and Requirements

Typical Closing Time (Days)

Fastest Closing Time (Days)

Payment Structure

Interest Only
Amortized

Pre Payment Penalty

Will lend to a foreign national

yes

OK for long term rental loans

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

yes

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

Borrower Entity Types Considered

Individual(s)
LLC
Limited Partnership
Trust
Corporation

Documentation Required

Credit Report
Bank Statements
Financial Statements
Loan Application

Personal Guaranty (Recourse) Required

Always

Credit Check Required

yes

Appraisal Required for Residential Property

Sometimes

Appraisal Required for Commercial Property

Always

Broker Price Opinion (BPO) Accepted for Residential Property

Sometimes

Broker Price Opinion (BPO) Accepted for Commercial Property

Never

Legal Disclaimer

The information contained herein is not intended as an offer to lend and reflects current requirements which may be modified or supplemented at any time, and from time to time without notice, at the sole discretion of Alta Capital Group, Inc. and any of its affiliates, partners, subsidiaries and/or assignees (collectively "Alta") Alta arranges and makes loans for business purpose only. Alta Capital Group, Inc. is licensed by California DBO California Finance Lender License 60DBO-90936. Alta Mortgage Fund, LLC is Licensed by California DBO Finance Lender License 60DBO-78165.

Funded Deals

Glendale, CA

$825,000

Single Family Residence

Residential Fix and Flip

View Transaction

Alta Capital Group Testimonials

Jay - Broker

""I have completed numerous transactions with Alta and have found them to be knowledgable, honest, and reliable. If you are planning to work with them expect a pleasant and fair experience!""

Aldo - Broker

"As a broker, I have done over 20 transactions with Alta. They are efficient, honest, and value relationships (mine and of my clients). They take an outside-the-box approach to underwriting each loan. They are an asset to my business. A great source for financing to have. Thank you for providing great service."

Melissa - Borrower

"Very Professional! James Bowie has exceptional customer service! Highly recommended !!!"

Anthony - Borrower

"James is truly an asset to this company"

Get In Touch

Alta Capital Group pays us to be listed, so there is no fee to connect with them directly. Share your loan request, send a simple email, call, or visit their website.

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Alta Capital Group has grown to become a leading provider of private capital to real estate investors. Since our founding in 2009, we have dedicated ourselves to providing resources and solutions to enrich both our clients and their communities.

As a hard money lender, we lend capital to real estate investors who value our fast, no-nonsense approach. Our time-tested ability to follow through on our commitments has enabled us to raise capital, balance risk, and make sound investment decisions.

Alta leverages its partners vast experience in the real estate industry to put a team in place capable of raising capital, balancing risk and making sound investment decisions.

Alta Capital Group, Inc. is licensed by California DBO California Finance Lender License 60DBO-90936.

License

CFL 60DBO-90936

Company Size (Number of Employees)

Year Established

2009

Associations

American Association of Private Lenders
California Mortgage Association

Office Locations

Alta Capital Group
17332 Irvine Boulevard, Suite 235, Tustin, California 92780

Primary Capital Source

Own Funds
Debt Fund We Manage
Individual Investors

Alternative Capital Sources

Own Funds
Debt Fund We Manage
Individual Investors

Loan Structure for Majority of Loans

Own Balance Sheet
LLC Syndicated Investors

Percentage of Loans Secured by Commercial Property

30%

Percentage of Loans Secured by Residential Property

70%

Total Number of Loans Funded to Date

200

Total Loan Volume Funded to Date

$100,000,000

Our Team

James Bowie

President

CA DRE - 01386080
NMLS - 1112474

Dani Duquette

Processing

Aldo Baltodano

Loan Officer

02:36

Alta Capital Group - Private Lending for Real Estate Investors

00:03:35

Working With Residential Real Estate Investors | Alta Capital Group

00:03:03

Interest Rates & Fees for Hard Money Loans by Alta Capital Group

Get In Touch

Alta Capital Group pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Contact COMPANY

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Receive our monthly newsletters with valuable insights and industry updates

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