Capstone Financial
Scottsdale, Arizona
AZ BK-0914076, CFL Lic. 603L504, NMLS ID 302645
We Solve Your Money Problems
Fix & Flip Loans | Residential Hard Money | Commercial Hard Money
Capstone Financial is a direct lender offering private money loans nationwide. Whether you are looking for a private money lender or subprime lender, we are able to fund your loan fast.
Our offered loan types include fix and flip, rehab, commercial & residential bridge loans. Submit all loan applications here: https://capstonefi.com/loan-application-form
Please note the types of deals we do not consider:
- NO Owner-Occupied Homes
- NO Ground-Up Construction
- NO Land
Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Fix and Flip
We help you to grow your fix & flip business by providing funding for single family residential fix & flip projects nationwide. When you choose us for your hard money lender, you will come to know that our process is streamlined and efficient.
We fund up to 80% of the purchase price, plus 80% of the Rehab budget, so you have more money in reserve for operating costs.
FIX AND FLIP LOAN INFORMATION
- Asset underwritten, most of the approval decision is based on the property value.
- We do not charge annual fee in most circumstances.
- Less documentation
- Competitive rates
WHY CAPSTONE FINANCIAL FOR FIX AND FLIP LOANS?
- Offered nationwide
- Professional guidance
- High-tech security and privacy
- FDIC loan servicing so you get payoff info fast when you want to close
TERMS
- 6-36 months for loans
- 1-4 pts
- 12- 18% percent
Residential Investment Hard Money
We provide direct hard money lending for real estate investors who specialize in 1-4 family properties. So, get fast, reliable funding, when you need it. We are the right destination for you to close more transactions and maximize profits. We are fully capitalized and provide a large tariff of loan choices for the residential investor.
We offer residential hard money loans for the following property types:
- Single Family Residence
- Condominium
- Apartment
- Duplex, Triplex, Quadraplex
As a direct hard money lender, Capstone will process, underwrite and fund all hard money loans in our office. We understand real estate hard money lending and have a proven track record for the same. We have funded many hard money loans with hundreds of satisfied borrowers, brokers and real estate professionals.
Commercial Property Hard Money
Commercial hard money programs are an opportunity for borrowers who do not qualify for our core programs to overcome adverse situations and obtain a commercial mortgage. Our softer hard money program will feature the same common-sense approach to lending as our standard programs, as well as the speed and attention to detail you trust.
We include following property types for commercial hard money loans:
- Office Buildings
- Apartment Complexes
- Senior Housing
- Mixed Use Properties
- Hospitality
- Self Storage
- Industrial Buildings (Light)
- Retail Shops
- Strip Malls
- Shopping Centers
- Automotive (no in-groud lifts)
- Almost any income generating commercial property
Being a quality private money or hard money lender, we understand that every client is unique and timing is everything, especially when it comes to investment properties. In Capstone Financial, you have a true professional private money lender for commercial and residential real estate investments.
We have been closing nonconforming commercial mortgages for years, and we’re excited to provide this softer hard money program that allows us to offer you more services and strengthen our relationship.
Property Types
- 2-4 Units Residential
- Cannabis Dispensary
- Cannabis Grow Facility
- Commercial Condominium
- Condominium
- Mixed-Use
- Mobile Home Park
- Multifamily
- Night Club
- Office
- Portfolio of Commercial Properties
- Portfolio of Residential Properties
- Retail
- Single Family Residence
- Storage Facility
- Student Housing
Loan Types
- Private Money
- Hard Money
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
Specialty Loan Types
- Cannabis Use Properties
- Partner Buyout
- Primary Residence Bridge
- Primary Residence Business Purpose Cash Out
Max Loan-to-Purchase Price
85%Borrower Must Have Property Under Contract
noWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
noAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Subject Property
- Equity in Another Investment Property
Experience Required
noMinimum Number of Value-Add Projects Completed by Borrower
0Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
100%Interest Charged for Renovation Costs
Entire Amount of Total Project CostsTypical Number of Days for Funds Draw
7Maximum After Repair Value
75%Underwriting Fee
$1200 on Residential property, $2500 on Commercial Property
Processing Fee
$995 on residential, $1995 on commercial
Other Fee
Servicing set up fee of $550
Fees which are mandatory for all new borrower clients
- Underwriting Fee
- Processing Fee
- Other Fee
Fees which are paid to a third party company
- Appraisal Fee
- Credit Report Fee
Capstone Financial Testimonials
Randy D.
"Great company. Very knowledgeable regarding lending. I would continue to do business with Capstone."
Phoenix, AZ
Brian B.
"Working with capstone was amazing! Details were always clear, responsive to my needs and questions. No hiccups at all. Probably the best lending experience I've ever had. Definitely recommend"
Scottsdale, AZ
Sue W.
"Tyler was an excellent help in helping me secure funds for a property that I otherwise wouldn't have been able to get through conventional means. This is a great team to work with and I personally recommend them to anyone looking to buy."
Phoenix, AZ
Yolanda W.
"Just wanted to say how awesome I think you are... You took what seemed impossible to me and made it a reality. I know it takes a lot of hard work to do what you do, but I hope you feel it's worth it to make people's dreams come true."
Future Inc.
John
"I used Capstone for the purchase of two multifamily properties. They did a wonderful job coordinating all aspects of the deal. I would recommend Capstone to anyone considering the purchase of any sort of property."
Seattle, WA
Contact Capstone Financial
Stay Informed About Private Lending
Capstone Financial was founded in 2010. Capstone Financial is a subsidiary of Capstone Private Mortgage Holdings, a company founded by an experienced team of real estate and finance professionals. Capstone Financial was created to help real estate investors take advantage of opportunities as emerging real estate markets recover and stabilize post recession. Since their opening in 2010, Capstone has funded over $100 Million in private asset based loans to local investors. It has established a solid reputation and a performing lender. We have a passion for real estate investing that shows in our customer service. We look forward to sharing our passion and experience with you as a client.
Why Capstone Financial
Efficient Funding
With us, we ensure your needs get fulfilled in the most beneficial way. We understand each financial scenario has different circumstances which require custom underwriting with a critical timeline.
Effective Communication
We have an in-house team of loan officers to assist you on your finance needs. With us, we ensure your needs get fulfilled in the fastest and most painless way. Our integrated services are designed to streamline and modernize the entire communications process while providing access to cross reference information from one department to another.
Proven Results
We stand by our proven results for providing and servicing loans for our clientele nationwide. We understand each financial scenario has different circumstances which require custom underwriting in a critical timeline.
Office Locations
Capstone Financial1620 North 82nd Place, Scottsdale, Arizona 85257
Our Team
Contact Capstone Financial
Stay Informed About Private Lending
Contact This Lender
Create a Loan Request
Be more efficient with your lender search. Provide the loan details once, save it, and then share it with multiple lenders.
Contact Capstone Financial by whichever method you choose.
If you submit a loan request or email, it will be sent to the lender, and they will reply to you directly. A copy will be saved in our database. We will not share your information unless you ask us for recommendations.