Fix & Flip
Acquisition and rehab options for investors who need capital aligned with the resale plan.
Private money financing for real estate investors
Quick, reliable private money options for real estate investors.
Get a practical read on your deal, compare lender programs built for investors, and move toward closing with one clear point of contact.
Fast deal reviewShare the basics and get clear direction before paperwork slows you down
Investor loan programsFix & flip, DSCR rental, bridge, and ground-up construction options
Guided to closingKnow what lenders need, what comes next, and where your file stands
Loan programs
Loan programs built around the way investors make money.
Whether you are buying, renovating, refinancing, renting, or building, Stephens Capital Group helps package the story lenders need to understand the opportunity.
DSCR Rental
Rental financing options focused on property income, cash flow, and long-term hold strategy.
Bridge
Short-term capital for acquisitions, payoffs, seasoning gaps, and deals with tight deadlines.
Ground-Up Construction
Capital sources for investor-led builds with draws, budgets, and timelines lenders can underwrite.
Why Stephens Capital Group
Private lending should be fast, direct, and built around your exit.
Good investors do not need generic mortgage copy. They need a funding path that respects the numbers, the timeline, and the exit strategy. We help match real estate deals with business-purpose lenders that understand investor projects.
- Fast direction on whether your deal fits common private lending requirements.
- Flexible options for purchase, rehab, bridge, rental, and construction scenarios.
- Straightforward next steps from first conversation through lender review.
Investor-focusedBusiness-purpose real estate financing, not consumer mortgages
Fast reviewStart with the deal basics before building a full package
Program matchingCompare options by use case, timeline, and exit strategy
Clear next stepsKnow what is needed before your file moves forward
Process
A direct process from deal review to lender submission.
Tell us about the deal
Share the property, purchase price, rehab or construction budget, rental income, timeline, and exit strategy.
Get a fit review
We review the use case, leverage request, collateral, timeline, and exit to identify programs worth pursuing.
Move to submission
We help organize the documents and deal story lenders need so your request can move with fewer surprises.
FAQ
Answers real estate investors usually need first.
What is a hard money loan?
A hard money loan is short-term, business-purpose financing for investment real estate. It is commonly used for fix and flip, bridge, or rehab projects where speed, collateral value, and the exit plan matter more than traditional consumer mortgage requirements.
How does a DSCR rental loan work?
A DSCR loan qualifies the rental property by comparing its monthly rent to the monthly payment for principal, interest, taxes, insurance, and association dues. Investors use DSCR financing when they want long-term rental debt without relying on W-2 income or personal tax returns.
What property types can fit investor financing?
Most requests start with non-owner-occupied residential investment properties such as single-family homes, duplexes, triplexes, fourplexes, townhomes, and eligible rental properties. Program availability can vary for larger multifamily, mixed-use, manufactured housing, or ground-up construction scenarios.
Is this for owner-occupied homes?
No. Stephens Capital Group focuses on business-purpose investment property financing, not consumer mortgages for a home you plan to live in.
Do I need personal income verification?
Many private money and DSCR programs are built around the asset, not a conventional debt-to-income review. Lenders still review credit, liquidity, experience, collateral, rental income, budgets, and the exit strategy before issuing terms.
How are rehab funds released on a fix and flip?
Renovation money is usually held back and released through draws. The investor completes approved work, submits a draw request, and the lender verifies progress before reimbursing funds tied to the approved scope of work.
Can I refinance hard money into a DSCR loan?
Often, yes. Once the rehab is complete and the property is rented or rent-ready, investors may use a DSCR refinance to pay off short-term bridge debt and move into longer-term rental financing. Seasoning, appraisal support, rent, credit, and reserves all affect the options.
Are DSCR prepayment penalties common?
Yes. Many DSCR loans include a step-down prepayment penalty, such as a five-, three-, or one-year structure. Shorter penalty options may be available, but they can affect rate, pricing, and lender selection.
What markets are supported?
Most U.S. markets. Programs are not currently offered in Arizona, California, Nevada, North Dakota, Oregon, South Dakota, or Vermont.
How fast can my deal be reviewed?
Complete requests move fastest. Send the property address, purchase price, rehab or construction budget, expected rent or resale value, timeline, credit profile, liquidity, and exit strategy so we can identify practical next steps.
Funding request
Get terms started for your next investor loan.
Send the deal basics and we will follow up with the clearest path forward. If the project fits, we will help you move from conversation to lender review.