JCAP Private Lending

JCAP Private Lending continues to set records for fast closings. We can deliver hard money loans up to $5 million. Our company specializes in first and second mortgages throughout the United States. We have become the local expert in luxury home loans. Whether you need a loan rental property, luxury home project, or commercial building, we have you covered.

Submit, Close, and Get Paid Fast!

Same Day Approval
2 Day Fundings

Property Geographic Area Details

Lending in All US States except ID, MN, MT, ND, SD, VT. Owner Occupied in CA only.

Loan Amounts

$100,000 to $5,000,000

Interest Rates

8.99% to 13.99%

Loan Terms

6 months to 24 months

Origination Fees

1.5% to 3%

Lien Position

1st, 2nd

Collateral Types

Residential Property
Commercial Property

Loan Purpose

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

Property Occupancy

Vacant
Tenant Occupied 100%
Owner Occupied Residential

Property Types

2-4 Units Residential
Commercial Land
Condominium
Cooperative
Industrial
Mixed-Use
Multifamily
Office
Residential Land
Retail
Single Family Residence

Loan Types

Private Money
Hard Money
Commercial Bridge
Residential Bridge
Residential Fix and Flip
Residential Rehab and Rent
Residential Ground-Up Construction

Specialty Loan Types

2nd Mortgage Equity Cash Out
Partner Buyout
Primary Residence Bridge
Primary Residence Business Purpose Cash Out

Junior Lien Loan Amounts

$50,000 to $750,000

Junior Lien Interest Rates

8.5% to 14.5%

Junior Lien Loan-to-Value

65%

Junior Lien Loan-to-Cost

65%

Junior Lien Origination Fees

2% to 4%

We Fund Junior Position Loans

Often

Junior Lien Types

Purchase
Refinance
Equity Cash Out

Business Purpose Loans *Appraisal Required*

Description

*Appraisal Required*

Land Types Considered

Residential Land
Multifamily Land

Will Consider Land That is NOT Entitled

Max LTV for Land

50%

Max LTC for Land Acquisition

50%

Junior Lien Types

Purchase
Refinance
Equity Cash Out

Business Purpose Loans *Appraisal Required*

*Appraisal Required*

Max Loan-to-Purchase Price

80%

Borrower Must Have Property Under Contract

yes

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

Allowed Source of Borrower’s Equity

Own Cash
Equity in Subject Property
Equity in Another Investment Property
Equity in Primary Residence
Family

For property in California, we charge interest on the entire loan amount. All other states interest is only charged on the funds drawn. *Appraisal Required*

Experience Required

Minimum Number of Value-Add Projects Completed by Borrower

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

Maximum After Repair Value

70.00%

*Appraisal Required*

Development Experience Required

yes

Minimum Number of Ground-Up Construction Projects Completed by Borrower

Max LTC for Ground-Up Construction Costs

85%

Interest Charged for Construction Costs

Entire Amount of Total Project Costs

Will Lend on Partially Completed Construction Projects

yes

Underwriting Fee

Underwriting fee is $863 for a 2nd mortgage. *Appraisal Required*

Minimum Origination Fee Amount

$2,000

Fees which are mandatory for all new borrower clients

Underwriting Fee
Legal Fee
Appraisal Fee
Escrow Fee
Title Fee
Credit Report Fee
Background Check Fee

Fees which are paid to a third party company

Documents Fee
Legal Fee
Appraisal Fee
Credit Report Fee
Background Check Fee

Details and Requirements

Typical Closing Time (Days)

Fastest Closing Time (Days)

Payment Structure

Interest Only
Interest Reserve

Pre Payment Penalty

yes

3 months

Will lend to a foreign national

yes

*Appraisal Required*

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

yes

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

Borrower Entity Types Considered

Individual(s)
LLC
Limited Partnership
Trust
Corporation

Documentation Required

Credit Report
Bank Statements
Financial Statements
Loan Application

Personal Guaranty (Recourse) Required

Always

Credit Check Required

yes

Minimum Credit Score Required

550

Credit Check Description

Generally minimum is 600 but lower credit score accepted at lower loan-to-value. For 2nd mortgage, minimum credit score is 620. *Appraisal Required*

Appraisal Required for Residential Property

Always

Appraisal Required for Commercial Property

Always

Broker Price Opinion (BPO) Accepted for Residential Property

Always

Broker Price Opinion (BPO) Accepted for Commercial Property

Always

Additional Details

We only charge points plus an underwriting fee. All other fees are paid directly to third party companies. *Appraisal Required*

Get In Touch

JCAP Private Lending 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.

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JCAP Private Lending is a Direct Lender who closes and services Investor Funded Short-Term Real Estate Loans. Our experienced team has been providing quality mortgage services for over 30 years. JCAP Private Lending is an Asset Based Lender who steps in to quickly solve a short-term financial need secured by Real Estate. JCAP has an innovative approach to lending: focusing on speed, simplicity, and safety for borrowers and investors. JCAP’s operating philosophy is simple – “We Care & We Serve”.

License

CA DRE #01978865, NMLS #1323740

Company Size (Number of Employees)

Year Established

2011

Associations

California Mortgage Association - Member
American Association of Private Lenders - Member

Office Locations

JCAP Private Lending
3151 Airway Avenue, Suite Q3, Costa Mesa, California 92626

Primary Capital Source

Individual Investors
Private Equity Funds

Alternative Capital Sources

Private Equity Funds

Loan Structure for Majority of Loans

One Investor One Loan

Percentage of Loans Secured by Commercial Property

10%

Percentage of Loans Secured by Residential Property

70%

Total Number of Loans Funded to Date

Total Loan Volume Funded to Date

$92,000,000

Our Team

Aaron Siefker

Vice President

Bob Eakin

CEO

Paul Wirth

Vice President

Chaz Bradley

VP, Lending

Funded Deals

Columbus, OH

$589,500

Multifamily

Purchase

View Transaction

JCAP Private Lending

Roselle, NJ

$165,375

Single Family Residence

Purchase

View Transaction

Get In Touch

JCAP Private Lending 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.

Contact COMPANY

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates

Create a Loan Request

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