Direct Asset-Based Lender for Investment Real Estate

Carlyle Capital is a direct private money lender performing asset-based lending on a large variety of properties. We assist borrowers who don’t want to deal with the strict underwriting guidelines of traditional lenders, don’t have the time to await bank approval, or have a project that would traditionally be deemed as unable to finance.

Since we are a direct lender, we have our own underwriting guidelines and standards which translate into a quick, fast and efficient process to approve your loan and get it funded! In loan transactions, we focus on the value of the asset, the use of loan proceeds, and the plan to repay.  We work efficiently to provide you the capital when you need it.

Property Geographic Area Details

Nationwide except AK, MN, ND, SD, VT.

Loan Amounts

$100,000 to $25,000,000

Interest Rates

4.99% to 10.99%

Max Loan-To-Value

80%

Max Loan-To-Cost

90%

Origination Fees

2% to 4%

Loan Terms

12 months to 360 months

Lien Position

  • 1st

Loan Purpose

  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Value Add Project

Property Occupancy

  • Vacant
  • Tenant Occupied 100%
  • Tenant Occupied Partial
  • Owner Occupied Commercial
Minimum Occupancy Percentage

0%

Property Types and Loan Types

Collateral Types

  • Residential Property
  • Commercial Property

Property Types

  • 2-4 Units Residential
  • Commercial Condominium
  • Condominium
  • Industrial
  • Mixed-Use
  • Multifamily
  • Office
  • Portfolio of Residential Properties
  • 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

Specialty Loan Types

  • Residential Long-Term Rental

Purchase Loan

High leverage available for well experienced borrowers, particularly on value-add projects.

Max Loan-To-Purchase Price

90%

Borrower Must Have Property Under Contract

yes

Will Provide Proof of Funds Letter

no

Will Consider Lending on Purchase from Auction

no

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Another Investment Property
  • Family

Rehab Value Add Loan

Up to 100% LTC on Rehab for well-experienced borrowers and high quality projects.

Experience Required

no

Minimum Number of Value-Add Projects Completed by Borrower

0

Will Provide Funds for Renovation Costs

yes

Max LTC for Renovation Costs

100%

Interest Charged for Renovation Costs

Only on Funds Drawn

Typical Number of Days for Funds Draw

5

Maximum After Repair Value

75.00%

Residential Long-Term Rental

We can fund a single property or a very large portfolio of rental homes. 650 minimum credit score required for long-term rental loans.

Minimum Loan Amount

$100,000

Maximum Loan Amount

$25,000,000

Minimum Interest Rate

4.99%

Maximum Interest Rate

7.25%

Minimum Origination Fee

2%

Maximum Origination Fee

3%

Minimum Loan Term

24 months

Maximum Loan Term

360 months

Maximum Loan-To-Value

80%

Maximum Loan-To-Purchase

80%

Seasoning Time

6 months

Minimum Debt Service Coverage Ratio

1.10

Will Lend on a Portfolio of Rentals

Yes

Minimum Number of Properties

1

Maximum Number of Properties

500

Minimum Property Value

$100,000

Maximum Property Value

$2,000,000

Details and Requirements

Typical Closing Time (Days)

15

Fastest Closing Time (Days)

5

Works With

  • Brokers
  • Borrowers

Payment Structure

  • Interest Only
  • Amortized
  • Interest Reserve

Pre Payment Penalty

no

Will lend to a foreign national

yes

Foreign national lending available, typically at a reduced LTV.

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

no

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered

  • LLC
  • Corporation

Documentation Required

  • Credit Report
  • Bank Statements
  • Financial Statements
  • Loan Application

Personal Guaranty (Recourse) Required

Sometimes

Credit Check Required

yes

Minimum Credit Score Required

600

Credit Check Description

No minimum credit score by exception.

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

Fees

Underwriting Fee

$995.00 to $995.00

Underwriting Fee is $995 for most residential property loans. Fee could be higher for commercial properties or rental home portfolios.

Fees which are mandatory for all new borrower clients

  • Underwriting Fee
  • Documents Fee
  • Legal Fee
  • Appraisal Fee

Fees which are charged upfront prior to loan closing

  • Underwriting Fee

Fees which are paid to a third party company

  • Documents Fee
  • Legal Fee
  • Settlement Fee
  • Appraisal Fee
  • Escrow Fee
  • Title Fee
  • Credit Report Fee
  • Background Check Fee
  • Environmental Report Fee

Bridge Purchase/Refinance

Simple bridge loan to acquiring investment properties.

  • Property Types: SFR, warrantable condo, townhomes, 2 unit, 3 unit, 4 unit
  • Loan Amounts: $100K – $2.5M
  • Rates Starting at: 7.99%
  • LTV: Up to 80%
  • Loan Term: 12 months
  • Loan Type: Purchase, Refinance or Cash-Out Refinance
  • Borrower Entity: LLCs, LPs and Corporations only
  • Credit: 650+ (600 by exception)

 Fix and Flip Purchase/Refinance

  • Property Types: SFR, warrantable condo, 2 unit, 3 unit, 4 unit
  • Loan Amounts: $100K – $2.5M
  • Rates Starting at: 7.99%
  • LTV: Up to 90%
  • LTC Rehab: 100% LTC
  • Loan Term: 12 months (6 month extension available)
  • Loan Type: Purchase, Refinance or Cash-Out Refinance
  • Borrower Entity: LLCs, LPs and Corporations only
  • Credit: 650+ (600 by exception)

Multifamily Bridge Purchase/Refinance

  • Property Types: 5+ Units
  • Loan Amounts: $250K – $5M
  • Rates Starting at: 7.99%
  • LTV: Up to 70%
  • Loan Term: 12 months
  • Loan Type: Purchase, Refinance or Cash-Out Refinance
  • Credit: 650+

Multifamily Value-Add Purchase/Refinance

  • Property Types: 5+ Units
  • Loan Amounts: $250K – $5M
  • Rates Starting at: 7.99%
  • LTV: Up to 75%
  • LTC Rehab: 100%
  • Loan Term: 12 months
  • Loan Type: Purchase, Refinance or Cash-Out Refinance
  • Light Rehab Only
  • Credit: 650+

Commercial Bridge Purchase/Refinance

  • Property Types: Non-owner occupied multi-tenant commercial properties (multifamily, mixed-use, office, industrial, multi-tenant retail, self-storage)
  • Loan Amounts: $1M – $15M
  • Rates Starting at: 8.75%
  • LTV: Up to 70%
  • DSCR: 1.20x+
  • Loan Term: 1 – 5 years
  • Loan Type: Purchase, Refinance or Cash-Out Refinance
  • Credit: 650+

Residential Rental (24 Month Term)

  • Property Types: SFR, 2-4 Unit Residential, Warrantable Condos, Townhomes
  • Loan Amounts: $100K – $2M
  • Rates Starting at: 4.99%
  • LTV: Up to 75%
  • Loan Term: 24 months
  • Loan Types: Purchase, Refinance or Cash-Out Refinance
  • Occupancy: Property must be tenant occupied and cash flowing (with verifiable lease and rents)
  • Borrower Entity: LLCs, LPs and Corporations only
  • DSCR: 1.15x+
  • Credit: 650+

Residential Rental (30 Year Term)

  • Property Types: SFR, 2-4 Unit Residential, Warrantable Condos, Townhomes
  • Loan Amounts: $100K – $50M
  • Rates Starting at: 4.99%
  • LTV: Up to 80%
  • Loan Term: 30 Year Fixed
  • Loan Types: Purchase, Refinance or Cash-Out Refinance
  • Occupancy: Property must be tenant occupied and cash flowing (with verifiable lease and rents)
  • Borrower Entity: LLCs, LPs and Corporations only
  • DSCR: 1.15x+
  • Credit: 650+

Multifamily Rental (24 Month Term)

  • Property Types: Multifamily (5+ units) and Mixed-Use (with >50% Residential)
  • Loan Amounts: $250K – $3M
  • Rates Starting at: 6.99%
  • LTV: Up to 65%
  • Loan Term: 24 months
  • Loan Types: Purchase, Refinance or Cash-Out Refinance
  • Occupancy: Property must be tenant occupied and cash flowing (with verifiable lease and rents)
  • Borrower Entity: LLCs, LPs and Corporations only
  • DSCR: 1.15x+
  • Credit: 650+

Multifamily Rental (30 Year Term)

  • Property Types: Multifamily (5+ units) and Mixed-Use (with >50% Residential)
  • Loan Amounts: $250K – $5M
  • Rates Starting at: 6.99%
  • LTV: Up to 75%
  • Loan Term: 30 Year Fixed
  • Loan Types: Purchase, Refinance or Cash-Out Refinance
  • Occupancy: Property must be tenant occupied and cash flowing (with verifiable lease and rents)
  • Borrower Entity: LLCs, LPs and Corporations only
  • DSCR: 1.15x+
  • Credit: 650+

Long-Term Commercial

  • Property Types: Non-owner occupied multi-tenant commercial properties (warehouse, medical office, office, industrial, self-storage, retail)
  • Loan Amounts: $250K – $5M
  • Rates Starting at: 6.99%
  • LTV: Up to 75%
  • Loan Term: 30 Year Fixed
  • Loan Types: Purchase, Refinance or Cash-Out Refinance
  • DSCR: 1.15x+
  • Credit: 650+

Carlyle Capital is an asset-based private lender and asset management company in the business of deploying capital. We offer debt financing to acquire, refinance, restructure, and develop real estate holdings. By utilizing our own capital, as well as having extensive strategic partners, Carlyle Capital is able to competitively fund deals of any magnitude.

Since our inception in 2000, Carlyle Capital has provided timely real estate financing solutions. Our track record as an owner, lender, and investor has allowed us to create an unrivaled reputation for underwriting and understanding even the most complex of transactions. Our focus is to provide financing for transactions in a wide range real estate projects of all types, including residential, commercial, multifamily, development, retail, office, industrial, hospitality, land, and mixed-use.

Carlyle Capital’s comprehensive due diligence process entails understanding the borrower’s priorities and unique characteristics of each deal so that a compelling solution can be offered. Our ability to fund capital needs, even the most challenging, is second to none.

From origination to evaluation to overall debt structure, Carlyle Capital seamlessly delivers competitive and innovative capital for a variety of real estate transactions.

License

CA DRE Lic. 02074386

Year Established

2000

Office Locations

3 Park Plaza, Suite 780, Irvine, California 92614

Primary Capital Source

  • Own Funds
  • Debt Fund We Manage
  • Bank Credit Line
  • Crowdfunding

Alternative Capital Sources

  • Individual Investors
  • Family Offices
  • Hedge Funds
  • Life Insurance Companies
  • Friends & Family
  • Asset Management Companies

Loan Structure for Majority of Loans

  • Own Balance Sheet
  • Multiple Investor Fractionalized Note
  • LLC Syndicated Investors
  • Multiple Lender Participation
  • Table Funding with Bank
  • A/B Note Participation with Bank

Alternative Loan Structures

  • One Investor One Loan

Percentage of company’s lending business focused on private mortgage

90%

Company’s Other Business Activities Besides Private Mortgage Lending

  • Commercial Real Estate Investing
  • Residential Real Estate Investing
  • Real Estate Development

Percentage of Loans Secured by Commercial Property

25%

Percentage of Loans Secured by Residential Property

70%

Percentage of Residential Property Loans Which are Fix and Flip

50%

Percentage of Residential Property Loans Which are Buy and Hold

30%

Percentage of Commercial Property Loans Which are Ground-Up Construction

5%

Percentage of Residential Property Loans Which are Ground-Up Construction

10%

Percentage of Residential Property Loans Which are Long-Term Rental (5+ years)

40%

Total Number of Loans Funded to Date

3794

Total Loan Volume Funded to Date

$821,000,000

2017 Number of Loans Funded

204

2017 Loan Volume Funded

$71,000,000

2018 Number of Loans Funded

225

2018 Loan Volume Funded

$65,000,000

2019 Number of Loans Funded

195

2019 Loan Volume Funded

$83,000,000

Mark Atalla

Managing Director

Andrew Abas

Managing Director

Angel Solis

Loan Officer

Alex Mendoza

Loan Officer

Processing Team

Processor

Completed Transactions

Carlyle Capital

Private Loan Funding
Kirkland, WA
$10,596,000
Multifamily

Residential Rehab

Carlyle Capital

Private Loan Funding
Newport Beach, CA
$7,075,000
Single Family Residence

Residential Ground-Up Construction

Carlyle Capital

Private Loan Funding
Cypress, CA
$675,000
Multifamily

Equity Cash Out

Carlyle Capital

Private Loan Funding
Sag Harbor, NY
$2,010,000
Single Family Residence

Purchase

Carlyle Capital

Private Loan Funding
Southampton, NY
$1,200,000
Religious Facility

Refinance

Carlyle Capital

Private Loan Funding
Los Angeles, CA
$6,500,000
Multifamily

Purchase

Carlyle Capital

Private Loan Funding
Costa Mesa, CA
$2,400,000
Industrial

Purchase

Carlyle Capital

Private Loan Funding
San Antonio, TX
$29,500,000
Commercial Land

Purchase

Carlyle Capital

Private Loan Funding
Los Angeles, CA
$7,000,000
Single Family Residence

Residential Rehab

Carlyle Capital

Private Loan Funding
Huntington Beach, CA
$1,400,000
Single Family Residence

Residential Ground-Up Construction

Carlyle Capital

Private Loan Funding
Huntington Beach, CA
$1,300,000
Single Family Residence

Residential Ground-Up Construction

Before You Contact Us

Our Minimum Loan Amount Is

$100,000

What We Do

  • Residential & Commercial Properties
  • LTP up to 85% for Flips
  • 15%+ Cash Required for Flip Purchase
  • Rental Portfolio Loans

Not Available

  • NO 100% Financing
  • NO Owner-Occupied Homes
  • NO Rural Areas

Loan Request

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.

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(temp use, storage, billboard, parking, etc.)

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If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.

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(temp use, storage, billboard, parking, etc.)

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If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.

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how will the loan be paid off?

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