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Your Partner in Private Lending Nationwide
Fast and honest private lending for your 1st or 15th real estate investment. As a direct lender, we make decisions in-house and fast. Same day loan commitments and closings within five business days*. We have decades of experience. After thousands of projects, we know how to make your loan process fast and seamless.
Interest rates as low as 6.99% for fix-and-flip and 4.125% for rental loans.
Please note: we do not provide loans for vacant land or owner-occupied homes.
Property Geographic Area Details
Primary and secondary markets nationwide except AK, HI, ND, SD
$100,000 to $3,000,000
4.25% to 10%
1% to 3%
12 months to 360 months
- Investment Acquisition
- Investment Refinance
- Improve Subject Property
- Value Add Project
- Tenant Occupied 100%
Property Types and Loan Types
- Residential Property
- Commercial Property
- 2-4 Units Residential
- Single Family Residence
- Private Money
- Hard Money
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
- Residential Ground-Up Construction
- Residential Long-Term Rental
Specialty Loan Types
- Residential Long-Term Rental
Max Loan-To-Purchase Price90%
Borrower Must Have Property Under Contractyes
Will Provide Proof of Funds Letterno
Will Consider Lending on Purchase from Auctionno
Allowed Source of Borrower’s Equity
- Own Cash
Rehab Value Add Loan
Minimum Number of Value-Add Projects Completed by Borrower0
Will Provide Funds for Renovation Costsno
Max LTC for Renovation Costs100%
Maximum After Repair Value75.00%
Development Experience Requiredyes
Minimum Number of Ground-Up Construction Projects Completed by Borrower2
Max LTC for Ground-Up Construction Costs85%
Interest Charged for Construction CostsOnly on Funds Drawn
Will Lend on Partially Completed Construction Projectsyes
Residential Long-Term Rental
Minimum Loan Amount$100,000
Maximum Loan Amount$5,000,000
Minimum Interest Rate4.125%
Maximum Interest Rate6%
Minimum Origination Fee1%
Maximum Origination Fee3%
Minimum Loan Term3 months
Maximum Loan Term360 months
Seasoning Time3 months
Minimum Debt Service Coverage Ratio0.60
Will Lend on a Portfolio of RentalsYes
Minimum Number of Properties2
Maximum Number of Properties100
Minimum Property Value$75,000
Details and Requirements
Typical Closing Time (Days)10
Fastest Closing Time (Days)1
- Interest Only
Pre Payment Penalty
yes3 months pre-pay for short-term loans. Only applicable to long-term rental loans.
Will lend to a foreign national
Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgageno
Will Consider Collateralizing Multiple Properties in One Loanyes
Will Consider Equity Joint Venture
Borrower Entity Types Considered
- Limited Partnership
- Credit Report
- Bank Statements
- Loan Application
Personal Guaranty (Recourse) RequiredAlways
Credit Check Requiredyes
Minimum Credit Score Required620
Appraisal Required for Residential PropertyAlways
Appraisal Required for Commercial PropertyAlways
Broker Price Opinion (BPO) Accepted for Residential Property
Broker Price Opinion (BPO) Accepted for Commercial Property
$0 to $0
*Loan commitments subject to clear appraisal and title.
Flatiron Realty Capital was founded in 2018 as a privately funded real estate portfolio lender that offers alternative sources of financing to real estate developers and investors. Specializing in bridge loans, construction/rehabilitation financing, and 30-year rental investment products, Flatiron provides holistic solutions to satisfy the short-term and long-term financing needs of its core customer base.
As a self-funded, fully integrated real estate lending platform with access to institutional partners within the securitization markets, Flatiron harnesses the hands-on, service-oriented approach of a local lender with the capital markets execution capabilities and technology-enabled infrastructure of a highly-scalable organization to offer customers proprietary credit solutions and customized service offerings.
Because of our experience in the industry, we can analyze deals in a variety of investor spaces, from residential to commercial to mixed-use to industrial. New construction, renovation, or acquisition, we have the solution to your financial challenges. And because we are a private financial services company, we can do it all faster and with more flexibility than traditional sources of real estate finance. We’re here to build relationships with exceptional investors just like you so that you can leverage our services as you grow your business.
Company Size (Number of Employees)
Office Locations150 Great Neck Road, Suite 102, Great Neck, New York 11021
60 Madison Avenue, Suite 1001, New York, NY 10010
Primary Capital Source
- Own Funds
Loan Structure for Majority of Loans
- Own Balance Sheet
Percentage of company’s lending business focused on private mortgage
Total Loan Volume Funded to Date
2018 Loan Volume Funded
I had an excellent experience working with Flatiron Realty Capital. They gave me a great rate and closed fast.
Doing my financing with Flatiron Realty Capital was so simple. They closed my loan in only 4 days. My other lender wasn’t able to even take my deal.
The staff was super helpful and professional. They were so fast with helping me with my new loan for my first investment property.
Thank you David! When my father and I had questions, he was always available, and made us feel like we were his only client which is super important when you work in customer service.
I worked with Flatiron Realty Capital for my first flip. The team helped me find a General Contractor, and a home buyer. My rate was very fair and ever since the first one, my rate has only gone down.
Flatiron Realty Capital is thebest in the business. I needed to close within 48 hours and not only did they get the job done they made my experience very pleasurable.
Our Minimum Loan Amount Is
What We Do
- Rehab, Fix & Flip, Rental Loans
- Residential & Multifamily Properties
- LTP up to 90%, LTARV up to 75%
- 10%+ Cash Required for Flips
- NO 100% Financing
- NO Owner-Occupied Homes
- NO Rural Areas
- NO Vacant Land