Private Money / Hard Money
22. Seconds 23. Interest-Only Payments
7. Min # Mos. Since Bankruptcy or Foreclosure
1. Purchase Max LTV% 2. Rate & Term Refi Max LTV% 3. Cash-Out Refi Max LTV% 4. 2nd Mortgage Max CLTV% 5. Min FICO 6. Max Term (Months)
17. Bridge Loans 18. Fix-and-Flip 19. DSCR Loans 20. Rehab/Remodel 21. Foreclosure Avoidance
11. Single-Family Residence 12. Condominiums 13. Townhomes 14. 2-4 Units 15. Manufactured/Mobile Home 16. Land/Lot
8. Owner-Occupied 9. Non-Owner-Occupied 10. Vacation Homes
24. Blanket Loans 25. Portfolio Loans
Lender Name and Contact Info
Min/Max
1
2 3 4 5 6 7
8 9 10 11
12 13 14 15 16 17 18 19 20 21
22 23 24 25
Alliance Portfolio www.allianceportfolio.com James Perry (949) 382-7300 jperry@allianceportfolio.com Asset Based Lending www.ablfunding.com Sam Hoffer (201) 942-9089 sales@ablfunding.com California TD Funding Inc. www.catrustdeeds.com (949) 492-0400 jkenney@catrustdeeds.com
100K / 15M 70 70 70 70
60
Y Y
Y Y Y Y
Y Y Y
Y Y Y Y Y
Direct lender. California only. 1st & 2nd trust deeds. Fast close. Tons of funds available now! Lending Territory: CA Only
50K / 50M 65
660
Y
Y Y Y Y
Y Y Y Y
Y Y
With over 15 years in operation and more than 7,000+ projects funded. We offer everything from short-term bridge loans to flexible, long-term financing. Lending Territory: Nationwide except: AK HI IA MT NV ND SD VT
30K / 100M 65 65 65 65
120
Y Y
Y Y Y Y Y Y Y Y
Y Y Y Y Y
Direct funds. We do not broker loans elsewhere. A Boutique Lender streamlining access to decision makers for quick and transparent answers. Lending Territory: CA Only
Capital Funding Financial https://capitalfundingfinancial.com David DiNatale (866) 999-2011 david@capitalfundingfinancial.com Capital Three Sixty LLC www.capitalthreesixty.com Account Executive (860) 673-2300 apply@capitalthreesixty.com
75K / 15M 90 90 90 90
360
Y Y
Y Y Y Y
Y Y Y
Y Y Y Y Y
DIRECT LENDER! In-House Family Office Fund. Quick Closings! No Min FICO. A+ BBB Rating. BPOs allowed. Broker Loyalty Program. Lending Territory: Nationwide
75K / 3M 90 80 72.5
12
Y
Y Y Y Y
Y Y Y
Y
Y
Direct funding for residential fix and flip or commercial purchase and rehab. Fast quotes and turn times, brokers protected. Lending Territory: Nationwide except AK MN ND NV SD VT
Capstone Financial www.capstonefi.com Tyler Stone (480) 737-3268 tstone@capstonefi.com
50K / 5M 85 75 65
36
Y
Y Y Y Y
Y Y
Y
Capstone is a private lender focused on loans $50K-$5M. Fix-n-flip with rehab, residential bridge and special needs. Brokers protected! Lending Territory: Nationwide except AK ND SD
Lender Name and Contact Info
Min/Max
1
2 3 4 5 6 7
8 9 10 11
12 13 14 15 16 17 18 19 20 21
22 23 24 25
Center Street Lending www.centerstreetlending.com (949) 259-2438 dlsales@centerstreetlending.com
100K / 10M 85 75 70
24
Y
Y Y Y Y
Y Y
Y
Y
Direct lender: fix & flip or hold, rental & bridge loans. Broker clients protected. Business purpose, NOO, 620+, up to 90% LTC & 100% Rehab. Lending Territory: AZ CA CO DC FL GA MD NC NY OR TN TX VA WA
50K / 5M 80 80 75
360
Y
Y Y Y Y
Y Y
Y
Y Y
Constructive Capital www.constructiveloans.com (833) 855-3811
Fix & flip and rental loans for purchase or refinance of 1-4 unit, NOO single-family homes, condos and townhouses. Lending Territory: Nationwide except ID ND UT VT
Equity Wave Lending www.equitywavelending.com Debbi Suddarth (888) 399-8881 debbi@equitywavelending.com EquityMax www.equitymax.com Gregory Emmer (954) 267-9103 info@equitymax.com F2 Finance www.f2finance.com (424) 888-0045 scotsmanguide@f2finance.com
100K / 2.5M 75 70 70 70
60
Y Y
Y Y Y Y
Y Y
Y
Y Y Y
Direct lender; OO and NOO up to 75% LTV; 1st & 2nd TDs; rates 6.99%-12.99%; actively recruiting. Lending Territory: Nationwide except AZ DC ID MN NC ND NV NY OR RI SD UT VA VT
25K / 1M 90 70 70
204
Y
Y Y Y Y Y Y Y Y
Y Y
Y Y
24 hr. closings! 1st mtgs. Flips/cash-outs/non-recourse/transactional funding. No min FICO. No doc. No appraisal. Speak directly w/ owners. Lending Territory: Nationwide except ND NV SD UT VT
300K / 3M 80 80 80
550
24
YYYYYYYYYYYYY
Y Y Y
Very fast and flexible financing for property investors for all property types. Bridge loans, fix & flips, and commercial properties. Lending Territory: AL CA CO WA D.C. FL GA MA MO NC OR (commercial or residential 5+ units) SC TN TX VA WA
50K / 3M 65 65 65
36
Y
Y Y Y Y
Y Y
Y
Y Y Y
Gelt Financial LLC www.geltfinancial.com info@geltfinancial.com
Nationwide private lender for residential-investment & commercial real estate. No minimum credit score or appraisal required. Close in days. Lending Territory: Nationwide except: AK AZ CA HI ID MN ND NV OR SD UT VT
23
Scotsman Guide | February 2026
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