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 4.50% for rental loans.

 

 

Property Geographic Area Details
Primary and secondary markets nationwide except AK, HI, ND, SD
Loan Amounts
$100,000 to $25,000,000
Interest Rates
4.50% to 10%
Loan Terms
36 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
  • Value Add Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%

Maximum Leverage

Purchase Short-Term (no Value-Add):
Max LTP Residential: 90%
Max LTP Multifamily: 85%
Max LTP Land: 80%
Purchase Long-Term
Max LTP Residential: 80%
Max LTP Multifamily: 80%

Property Types

  • 2-4 Units Residential
  • Condominium
  • Mixed-Use
  • Multifamily
  • Single Family Residence

Loan Types

  • 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 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
For fix & flip projects, we can fund in 24 hours with clean title.

Experience Required

no

Minimum Number of Value-Add Projects Completed by Borrower

0

Will Provide Funds for Renovation Costs

no

Max LTC for Renovation Costs

100%

Development Experience Required

yes

Minimum Number of Ground-Up Construction Projects Completed by Borrower

2

Max LTC for Ground-Up Construction Costs

85%

Interest Charged for Construction Costs

Only on Funds Drawn

Will Lend on Partially Completed Construction Projects

yes
Only for residential 1-4 unit properties

Minimum Loan Amount

$100,000

Maximum Loan Amount

$5,000,000

Minimum Interest Rate

4.125%

Maximum Interest Rate

6%

Minimum Origination Fee

1%

Maximum Origination Fee

3%

Minimum Loan Term

3 months

Maximum Loan Term

360 months

Seasoning Time

3 months

Minimum Debt Service Coverage Ratio

0.60

Will Lend on a Portfolio of Rentals

Yes

Minimum Number of Properties

2

Maximum Number of Properties

100

Minimum Property Value

$75,000

Details and Requirements

Typical Closing Time (Days)

10

Fastest Closing Time (Days)

1

Payment Structure
  • Interest Only
Pre Payment Penalty

yes

3 months pre-pay for short-term loans. Only applicable to long-term rental loans.
Will lend to a foreign national

yes

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
  • Limited Partnership
  • Corporation
Documentation Required
  • Credit Report
  • Bank Statements
  • Loan Application
Personal Guaranty (Recourse) Required
Always
Credit Check Required

yes

Minimum Credit Score Required

620

Appraisal Required for Residential Property

Always

Appraisal Required for Commercial Property

Always

Broker Price Opinion (BPO) Accepted for Residential Property

Broker Price Opinion (BPO) Accepted for Commercial Property

Additional Details

*Loan commitments subject to clear appraisal and title.

Flatiron Realty Capital Testimonials

Get In Touch

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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)

50

Year Established

2018

Office Locations

150 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
Total Loan Volume Funded to Date

$1,000,000,000

Our Team

Joseph Talas

VP, Sales Operations

Robert Talas

Co-Founder

Get In Touch

Flatiron Realty 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

  • Rehab, Fix & Flip, Rental Loans
  • Residential & Multifamily Properties
  • LTP up to 90%, LTARV up to 75%
  • 10%+ Cash Required for Flips

Not Available

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

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