Carlyle Capital
Irvine, California
CA DRE Lic. 02074386
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
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Maximum Leverage
Purchase Short-Term (no Value-Add):
Purchase Long-Term
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Refinance Long-Term
Residential Fix & Flip
Residential Rehab & Hold
Multifamily Value-Add
Commercial Value-Add
Residential Construction
Multifamily Construction
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 – $25M+
- 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: 600+
Fix and Flip Purchase/Refinance
- Property Types: SFR, warrantable condo, 2 unit, 3 unit, 4 unit
- Loan Amounts: $100K – $25M+
- Rates Starting at: 7.99%
- LTV: Up to 90%
- LTC Rehab: 100% LTC
- Loan Term: 12-18 months (extension available)
- Loan Type: Purchase, Refinance or Cash-Out Refinance
- Borrower Entity: LLCs, LPs and Corporations only
- Credit: 600+
Multifamily Bridge Purchase/Refinance
- Property Types: 5+ Units
- Loan Amounts: $250K – $10M+
- Rates Starting at: 7.99%
- LTV: Up to 75%
- Loan Term: 12-24 months (extension available)
- Loan Type: Purchase, Refinance or Cash-Out Refinance
- Credit: 650+
Multifamily Value-Add Purchase/Refinance
- Property Types: 5+ Units
- Loan Amounts: $250K – $10M+
- Rates Starting at: 7.99%
- LTV: Up to 75%
- LTC Rehab: 100%
- Loan Term: 12-24 months (extension available)
- 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 75%
- DSCR: 1.20x+
- Loan Term: 1 – 5 years
- Loan Type: Purchase, Refinance or Cash-Out Refinance
- Credit: 650+
Residential Rental (30 Year Term)
- Property Types: SFR, 2-4 Unit Residential, Warrantable Condos, Townhomes
- Loan Amounts: $100K – $2.5M per property (portfolio loans no maximum)
- Rates Starting at: 4.99%
- LTV: Up to 80%
- Loan Term: 30 Year Fixed, 5 to 10 year ARMs – Amortized or Interest Only options available.
- 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: 1.10x+
- Credit: 650+
Multifamily Rental (30 Year Term)
- Property Types: Multifamily (5+ units) and Mixed-Use (with >50% Residential)
- Loan Amounts: $250K – $10M+
- Rates Starting at: 5.99%
- LTV: Up to 75%
- Loan Term: 5 to 10 year ARMs – Amortized or Interest Only options available.
- 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: 1.20x+
- 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, 5 to 10 year ARMs – Amortized or Interest Only options available.
- Loan Types: Purchase, Refinance or Cash-Out Refinance
- DSCR: 1.25x+
- Credit: 650+
Property Types
- 2-4 Units Residential
- 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
- Luxury Homes
- Residential Long-Term Rental
- Vacation Rental
Max Loan-to-Purchase Price
90%Borrower Must Have Property Under Contract
yesWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
noAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Another Investment Property
- Family
Experience Required
noMinimum Number of Value-Add Projects Completed by Borrower
0Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
100%Interest Charged for Renovation Costs
Only on Funds DrawnTypical Number of Days for Funds Draw
5Maximum After Repair Value
75.00%Minimum Loan Amount
$100,000Maximum Loan Amount
$2,500,000Minimum Interest Rate
4.99%Maximum Interest Rate
7.99%Minimum Origination Fee
1%Maximum Origination Fee
3%Minimum Loan Term
120 monthsMaximum Loan Term
360 monthsSeasoning Time
6 monthsMinimum Debt Service Coverage Ratio
1.10Will Lend on a Portfolio of Properties
YesMinimum Number of Properties
1Maximum Number of Properties
50Minimum Property Value
$100,000Maximum Property Value
$2,000,000Underwriting Fee
Underwriting Fee is $995 for most residential property loans. Fee could be higher for commercial properties or rental portfolios.
Fees which are mandatory for all new borrower clients
- Underwriting Fee
- Documents Fee
- Legal Fee
- Appraisal 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
Funded Deals
Carlyle Capital
Kirkland, WA
$10,596,000
Residential Rehab
Carlyle Capital
Newport Beach, CA
$7,075,000
Residential Ground-Up Construction
Carlyle Capital
Cypress, CA
$675,000
Equity Cash Out
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
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Stay Informed About Private Lending
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.
Office Locations
Carlyle Capital Corporate Office3 Park Plaza, Suite 780, Irvine, California 92614
Our Team
Get In Touch
Stay Informed About Private Lending
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Our Minimum Loan Amount Is
$100,000
What We Do
- Residential, Multifamily, & Commercial Investment Properties
- LTPP up to 90% for Fix and Flip
- 10%+ Cash Required for Fix and Flip Purchase
- Rental Portfolio Loans
Not Available
- NO 100% Financing
- NO Owner-Occupied Homes
- NO Rural Areas