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 11.99%
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
  • 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%
Purchase Long-Term
Max LTP Residential: 80%
Max LTP Multifamily: 75%
Max LTP Commercial: 75%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 80%
Max LTV 1st Lien Multifamily: 75%
Max LTV 1st Lien Commercial: 75%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 75%
Max LTV 1st Lien Multifamily: 70%
Max LTV 1st Lien Commercial: 70%
Refinance Long-Term
Max LTV Residential: 80%
Max LTV Multifamily: 75%
Max LTP Commercial: 75%
Residential Fix & Flip
Max LTP: 90%
Max LTC: 90%
Max LTARV: 75%
Residential Rehab & Hold
Max LTP: 90%
Max LTC: 90%
Max LTARV: 75%
Multifamily Value-Add
Max LTP: 75%
Max LTC: 80%
Max LTARV: 70%
Commercial Value-Add
Max LTP: 75%
Max LTC: 80%
Max LTARV: 70%
Residential Construction
Max LTP Land: 65%
Max LTC: 90%
Max LTCV: 70%
Multifamily Construction
Max LTP Land: 65%
Max LTC: 80%
Max LTCV: 70%

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
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

yes

Will Consider Lending on Purchase from Auction

no

Allowed Source of Borrower’s Equity

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

$2,500,000

Minimum Interest Rate

4.99%

Maximum Interest Rate

7.99%

Minimum Origination Fee

1%

Maximum Origination Fee

3%

Minimum Loan Term

120 months

Maximum Loan Term

360 months

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

50

Minimum Property Value

$100,000

Maximum Property Value

$2,000,000

Underwriting 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

Details and Requirements

Typical Closing Time (Days)

15

Fastest Closing Time (Days)

5

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
Always
Credit Check Required

yes

Minimum Credit Score Required

600

Appraisal Required for Residential Property

Always

Appraisal Required for Commercial Property

Always

Broker Price Opinion (BPO) Accepted for Residential Property

Never

Broker Price Opinion (BPO) Accepted for Commercial Property

Never

Get In Touch

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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

Carlyle Capital Corporate Office
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
  • Table Funding with Bank
  • A/B Note Participation with Private Investor
Percentage of Loans Secured by Commercial Property

15%

Percentage of Loans Secured by Residential Property

85%

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

Our Team

Mark Atalla

Managing Director

Andrew Abas

Managing Director

Jose Magana

Senior Loan Officer

Tina Nolan

Loan Officer

Caitlin Dewitt

Loan Officer

Shaun Rowe

Loan Officer

Processing Team

Processor

Funded Deals

Get In Touch

Carlyle Capital 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.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
subscribe-illustration
Before You Contact Us

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

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