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

Loan Amounts

$100,000 to $3,000,000

Interest Rates

4.25% to 10%

Max Loan-To-Value


Max Loan-To-Cost


Origination Fees

1% to 3%

Loan Terms

12 months to 360 months

Lien Position

  • 1st

Loan Purpose

  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Value Add Project

Property Occupancy

  • Vacant
  • Tenant Occupied 100%

Property Types and Loan Types

Collateral Types

  • Residential Property
  • Commercial Property

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

Purchase Loan

Max Loan-To-Purchase Price


Borrower Must Have Property Under Contract


Will Provide Proof of Funds Letter


Will Consider Lending on Purchase from Auction


Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner

Rehab Value Add Loan

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

Experience Required


Minimum Number of Value-Add Projects Completed by Borrower


Will Provide Funds for Renovation Costs


Max LTC for Renovation Costs


Maximum After Repair Value


Construction Loan

Development Experience Required


Minimum Number of Ground-Up Construction Projects Completed by Borrower


Max LTC for Ground-Up Construction Costs


Interest Charged for Construction Costs

Only on Funds Drawn

Will Lend on Partially Completed Construction Projects


Residential Long-Term Rental

Only for residential 1-4 unit properties

Minimum Loan Amount


Maximum Loan Amount


Minimum Interest Rate


Maximum Interest Rate


Minimum Origination Fee


Maximum Origination Fee


Minimum Loan Term

3 months

Maximum Loan Term

360 months

Maximum Loan-To-Value


Maximum Loan-To-Purchase


Seasoning Time

3 months

Minimum Debt Service Coverage Ratio


Will Lend on a Portfolio of Rentals


Minimum Number of Properties


Maximum Number of Properties


Minimum Property Value


Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Works With

  • Brokers
  • Borrowers

Payment Structure

  • Interest Only

Pre Payment Penalty


3 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 Mortgage


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


Borrower Entity Types Considered

  • LLC
  • Limited Partnership
  • Corporation

Documentation Required

  • Credit Report
  • Bank Statements
  • Loan Application

Personal Guaranty (Recourse) Required


Credit Check Required


Minimum Credit Score Required


Appraisal Required for Residential Property


Appraisal Required for Commercial Property


Broker Price Opinion (BPO) Accepted for Residential Property

Broker Price Opinion (BPO) Accepted for Commercial Property


Deposit Required

$0 to $0

Additional Details

*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)


Year Established


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

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.

Daniel G

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.

Rishi S

The staff was super helpful and professional. They were so fast with helping me with my new loan for my first investment property.

Jamie G

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.

Aline V.

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.

Ethan A.

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.

Perry M.

Before You Contact Us

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

Not Available

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

Loan Request

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.


At the end of the form you can enter the additional properties.

(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


how will the loan be paid off?


Add links to photos here.


Add links to photos here.


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