Private Money Loans for Texas Real Estate Investors, Builders & Developers
Refinance & Cash Out | Ground-Up Construction | Fix & Flip | Land Development
Capital Insiders is a private lending company based in Texas with over two decades of “boots on the ground” expertise. We provide creative financing solutions to local real estate investors, operators, builders, and developers.
As direct lenders, we originate, underwrite, fund and service your loan from beginning to end. We are not brokers, and we do not require third-party approvals. we are well capitalized, and capable of closing within 48 hours after receiving all required documents and underwriting approvals.
Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Property Types
- 2-4 Units Residential
- Adult Day Care
- Assisted Living Facility
- Auto Dealership
- Auto Repair
- Car Wash
- Child Day Care
- Commercial Condominium
- Commercial Land
- Community Center
- Condominium
- Event Center
- Gym
- Healthcare
- Hospital
- Hotel
- Industrial
- Manufactured Home
- Mixed-Use
- Mobile Home Park
- Motel
- Multifamily
- Office
- Parking Lot
- Portfolio of Commercial Properties
- Portfolio of Residential Properties
- RV Park
- Ranch
- Recreational
- Rehabilitation Facility
- Residential Land
- Retail
- School
- Senior Housing
- Single Family Residence
- Sports Facility
- Storage Facility
- Student Housing
- Theater
- Vehicle Parking
Loan Types
- Private Money
- Hard Money
- Residential Fix and Flip
- Residential Ground-Up Construction
- Commercial Bridge
- Commercial Property Value Add
- Commercial Ground-Up Construction
Specialty Loan Types
- Condo Conversion
- Discounted Note Payoff
- Land Development
- Line of Credit Single Property
- Note Purchase
- Residential Long-Term Rental
- Reverse 1031 Exchange
- Subdivisions
Land Types Considered
- Residential Land
- Multifamily Land
- Industrial Land
- Office Land
- Retail Land
- Hospitality Land
- Special Purpose Land
Will Consider Land That is NOT Entitled
yesMax LTV for Land
65%Max LTC for Land Acquisition
75%Max Loan-to-Purchase Price
85%Borrower Must Have Property Under Contract
yesWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
yesAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Subject Property
- Equity in Another Investment Property
- Gap Lender
- Family
Experience Required
yesMinimum Number of Value-Add Projects Completed by Borrower
1Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
90%Interest Charged for Renovation Costs
Entire Amount of Total Project CostsTypical Number of Days for Funds Draw
3Maximum After Repair Value
70%Development Experience Required
yesMinimum Number of Ground-Up Construction Projects Completed by Borrower
2Max LTC for Ground-Up Construction Costs
100%Interest Charged for Construction Costs
Entire Amount of Total Project CostsWill Lend on Partially Completed Construction Projects
yesSite Visit Fee
Case by case basis.
Multi-Purpose Lender Fee
Includes Application, Doc Prep, Admin, Underwriting, Loan Commitment, Loan Processing, Funding
Inspection Fee
$250 - $450 per inspection
Credit Report Fee
$40 for each member of the entity
Extension Fee
3 Month optional extension
Appraisal Fee
Paid directly to appraiser. All loans require a third-party appraisal • All appraisals will be based on After-Repaired Value (ARV) • Appraisals must be ordered by our company and paid by the borrower • We will request an AMC Appraisal for As-Is Value and After Repair Value
Other Fee
Flood Certificate Fee • Lender Discount Fee: 1% / 1 point
Fees which are mandatory for all new borrower clients
- Multi-Purpose Lender Fee
- Appraisal Fee
- Credit Report Fee
- Other Fee
Fees which are paid to a third party company
- Appraisal Fee
Contact Capital Insiders
Stay Informed About Private Lending
Capital Insiders, LLC is a Private Lending Firm offering an Institutional-grade lending platform for small-balance commercial real estate loans.
As direct lenders, our company provides a streamlined process. We originate, underwrite and service the loans in-house, and we drastically reduce the bureaucracy and red-tape that can delay or even dissolve an opportunity for the borrower.
With over two decades of “boots on the ground” expertise, including; developing, building, owning and managing real estate, our consultants and loan officers are well versed in the industry and we understand the needs and goals of our clients. Our team is willing and able to assist in every step of the loan process, starting from the preliminary feasibility study, to the loan closing.
Unlike many lenders, we are positioned to help our borrowers with exit and restructuring strategies. We have programs that accommodate a variety of real estate investment objectives. Not only do we work with investors who need financing with the intent to buy-then-sell, but also construction or rehab to rental transitions, cash-out refinancing and more…
In addition to our lending capabilities, we offer accredited investors access to our investment fund backed by first-lien, secured real estate. The fund offers capital preservation, consistent income and a preferred return to investors.
Associations
- American Association of Private Lenders - Member
Office Locations
Capital Insiders, LLC6112 N. 10th Street, Suite 1C, McAllen, TX 78504
Our Team
Emiliano Zapata
Founder & CEO
Contact Capital Insiders
Stay Informed About Private Lending
Contact This Lender
Create a Loan Request
Be more efficient with your lender search. Provide the loan details once, save it, and then share it with multiple lenders.
Contact Capital Insiders by whichever method you choose.
If you submit a loan request or email, it will be sent to the lender, and they will reply to you directly. A copy will be saved in our database. We will not share your information unless you ask us for recommendations.