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Old North Capital Fund, LLC

Old North Capital Fund is a private, asset-based real estate lender specializing in short-term financing for non-owner-occupied residential investment properties. The company primarily provides bridge, fix-and-flip, rehab, and construction loans, emphasizing fast closings and underwriting based on the property's value rather than borrower credit.

Flexible Asset-Based Funding for Residential Real Estate Investors

Old North Capital Fund is a true asset-based lender offering flexible short-term financing that gives investors the power to fund their real estate opportunities hassle-free and scale their portfolio. Our lending is mainly for single family homes in urban/suburban areas, but we will consider multifamily with up to 10 units.

NO Credit Checks | NO Appraisals | NO Prepayment Penalties | NO Junk Fees

  • Bridge Loans
    • Purchase or Refinance a rental property
    • Up to 70% LTP/LTV
  • Rehab Fix & Flip or Fix & Rent
    • Up to 90% of purchase, 100% of rehab, 75% ARV
    • Prefer to stay under 70% ARV but will make exceptions
    • 10%+ down payment required
  • Ground-Up Construction
    • Funding up to 85% of shovel-ready land plus 100% of vertical costs
    • NO land development

Please note: We do NOT offer loans for owner-occupied homes or rural properties.

Common Loan Scenarios
  • Residential Investment Properties only
  • Bridge, Fix & Flip, Construction Loans
  • Asset-Based Lending (no credit check)
  • In-House Valuation (no appraisals)
Scenarios Not Considered
  • Rural Locations
  • Land Loans
  • Owner-Occupied Homes
  • Commercial Properties

Details and Requirements

Property Geographic Area Details

Lending in 8 States: Alabama, Colorado, Georgia, Maryland, North Carolina, Tennessee, Texas, Washington

Loan Amounts

$100,000 to $2,500,000

Interest Rates

11.90% to 13%

Origination Fees

2% to 4%

Loan Terms

6 to 12 months

Lien Position

1st

Credit Check Required

no

Prepayment Penalty

no

Typical Closing Time (Days)

10

Payment Structure
  • Interest Only
Personal Guaranty (Recourse) Required
Always
Borrower Entity Types Considered
  • LLC
  • Corporation
Documentation Required
  • Loan Application
Appraisal Required for Residential Property

Never

Broker Price Opinion (BPO) Accepted for Residential Property

Sometimes

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will lend to a foreign national

yes

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

yes

Will Consider Equity Joint Venture

no

Collateral Types
  • Residential Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Value Add Project
  • Development Project
Property Occupancy
  • Vacant

Last updated: September 27, 2026

Old North Capital Fund, LLC’s Lending Activity
Data Provided By Elementix
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12mo Loan Volume

$26,117,786

12mo Loan Count

40

Total Loan Volume

$280,160,109

Average Loan Size

$334,719

Loan Count by State (Past 12 Months)
NC: 38, AZ: 1, TX: 1
Data provided by Elementix | Disclaimer

Company Quick Facts

  • Year Established: 2016
  • Headquarters: Tucson, Arizona
  • Company Type: Private asset-based real estate lender
  • Capital Model: Direct private lender
  • Primary Capital Sources: Individual investors
  • Loan Types: Bridge Loans, Fix & Flip Loans, Rehab Loans, Construction Loans, Asset-Based Loans
  • Property Types: Non-owner-occupied single-family homes, condominiums, 2–4 unit residential properties, and multifamily properties
  • Primary Customers: Real estate investors
  • Geographic Focus: Primarily residential investment lending in select U.S. markets
  • Underwriting Approach: Asset-based lending focused primarily on the property’s value rather than borrower credit or income
  • Typical Loan Amounts: Approximately $100,000 to $2.5 million
  • Maximum Leverage: Up to 75% LTARV on eligible fix-and-flip projects
  • Typical Closing Time: Approximately 10 days
  • Notable Characteristic: Specializes in financing non-owner-occupied residential investment properties with streamlined underwriting and no traditional income verification.

Office Locations

7400 N. Oracle Road, Suite 150, Tucson, Arizona 85704

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Info Our minimum loan amount is $100,000

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