First Choice Private Capital
Direct Private Capital for Investors, Builders, & Developers
Short-term financing for acquisition, rehab, and resale projects.
Fix & flip financing is designed for real estate investors purchasing non-owner occupied properties to renovate, reposition, and resell.
Financing for value-add investment strategies.
Programs support acquisition, rehab, bridge, delayed purchase, and construction-related scenarios depending on borrower experience, credit, property type, and project scope.
Light Rehab
Cosmetic improvements such as paint, flooring, kitchens, bathrooms, fixtures, and smaller renovation scopes.
Moderate Rehab
More involved renovations that may include systems, layouts, and broader property improvements.
Heavy Rehab
Larger renovation projects with deeper underwriting around budget, borrower experience, and exit strategy.
Bridge Financing
Short-term financing for transitional properties, delayed purchases, refinances, and time-sensitive acquisitions.
Structured around the borrower, property, and project.
Borrower Experience
Experience tier, past projects, investment property history, and project relevance are reviewed.
FICO & Credit
Credit score, mortgage history, reserves, liquidity, and borrower background are considered.
Project Scope
Scope of work, rehab budget, permits, plans, GC involvement, and renovation type may impact structure.
Exit Strategy
ARV, ROI, resale plan, refinance path, and overall deal economics are reviewed.
Core fix & flip loan guidelines.
Focused on residential investment properties.
Simple project review and funding process.
Submit Scenario
Provide the purchase price, rehab budget, estimated ARV, property details, and borrower background.
Review Structure
FICO, experience, leverage, liquidity, scope of work, and exit strategy are reviewed.
Documentation
Purchase contracts, scope of work, track record, entity documents, permits, or GC items may be requested.
Close & Fund
Once approved, the loan moves toward closing and rehab draw administration.
