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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
80.00%
Max Loan-To-Cost
90.00%
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
Max Loan-To-Purchase Price
90.00%Borrower Must Have Property Under Contract
yesWill Provide Proof of Funds Letter
noWill Consider Lending on Purchase from Auction
noAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Another Investment Property
- Family
Rehab Value Add Loan
Experience Required
noMinimum Number of Value-Add Projects Completed by Borrower
0Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
100.00%Interest Charged for Renovation Costs
Only on Funds DrawnTypical Number of Days for Funds Draw
5Maximum After Repair Value
75.00%Residential Long-Term Rental
Minimum Loan Amount
$100,000Maximum Loan Amount
$25,000,000Minimum Interest Rate
4.99%Maximum Interest Rate
7.25%Minimum Origination Fee
2%Maximum Origination Fee
3%Minimum Loan Term
24 monthsMaximum Loan Term
360 monthsMaximum Loan-To-Value
80.00%Maximum Loan-To-Purchase
80.00%Seasoning Time
6 monthsMinimum Debt Service Coverage Ratio
1.10Will Lend on a Portfolio of Rentals
YesMinimum Number of Properties
1Maximum Number of Properties
500Minimum Property Value
$100,000Maximum Property Value
$2,000,000Details and Requirements
Typical Closing Time (Days)
15Fastest Closing Time (Days)
5Works 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
noWill Consider Collateralizing Multiple Properties in One Loan
yesWill 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
SometimesCredit Check Required
yesMinimum Credit Score Required
600Credit Check Description
No minimum credit score by exception.Appraisal Required for Residential Property
SometimesAppraisal Required for Commercial Property
AlwaysBroker Price Opinion (BPO) Accepted for Residential Property
SometimesBroker Price Opinion (BPO) Accepted for Commercial Property
NeverFees
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.
Legal Fee
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 92614Primary 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
- A/B Note Participation with Bank
- A/B Note Participation with Private Investor
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
40%
Percentage of Loans Secured by Residential Property
60%
Percentage of Residential Property Loans Which are Fix and Flip
60%
Percentage of Residential Property Loans Which are Buy and Hold
35%
Percentage of Commercial Property Loans Which are Ground-Up Construction
5%
Percentage of Residential Property Loans Which are Ground-Up Construction
20%
Percentage of Residential Property Loans Which are Long-Term Rental (5+ years)
10%
Total Number of Loans Funded to Date
3772
Total Loan Volume Funded to Date
$803,000,000
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 Loan Volume Funded
$83,000,000

Mark Atalla
Managing Director
Andrew Abas
Managing Director

Angel Solis
Loan Officer

Alex Mendoza
Loan Officer

Cecilia Lai
Loan Officer
Completed Transactions
Carlyle Capital
Sag Harbor, NY
$2,010,000
Purchase
Carlyle Capital
Southampton, NY
$1,200,000
Refinance
Carlyle Capital
Los Angeles, CA
$6,500,000
Purchase
Carlyle Capital
Costa Mesa, CA
$2,400,000
Purchase
Carlyle Capital
San Antonio, TX
$29,500,000
Purchase
Carlyle Capital
Los Angeles, CA
$7,000,000
Residential Rehab
Carlyle Capital
Huntington Beach, CA
$1,400,000
Residential Ground-Up Construction
Carlyle Capital
Huntington Beach, CA
$1,300,000
Residential Ground-Up Construction
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
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