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Loans Programs for Every Real Estate Investor and Every Project

Whether you're buying, renovating, or developing, Express Capital Financing has a loan program customized to fit your unique needs. We give you the best loan for your real estate investment goals.

Explore our diverse loan offerings and experience the difference with Express Capital Financing. We believe in empowering investors with the funding they need to take their dreams from the drawing board all the way through to reality. Whether you're looking for competitive Bank Rates, customized DSCR solutions, hassle-free Lite Doc Mortgages, or efficient Bridge Loans — we offer tailored loan programs to fit every situation and budget. Our nationwide coverage, transparent processes, and dedicated support make us your perfect lending partner.

Lending Made Simple

When you need to finance a real estate project quickly, Express Capital Financing offers the flexibility and leverage a traditional lender can't match.

Our Loan Programs

We offer a comprehensive suite of loan programs with competitive rates, high leverage, and personalized structures—all backed by our trusted expertise and fast funding solutions.

Revolutionize your fix and flip strategy with Express Capital Financing's tailored loan solutions, designed specifically for 1-4 unit properties that are not owner-occupied. Benefit from our flexible terms and experience a hassle-free process:

Our ground-up construction loans are ideal for real estate investors looking to develop 1-4 unit properties or 5+ units. Specifically designed for non-owner-occupied projects, these loans always come with dedicated construction funds, making them perfect for those seeking quick financing and control over their construction projects.

Our Multi-Family and Mixed-Use Bridge Loans are ideal for real estate investors seeking quick, flexible financing for 5+ unit properties or mixed-use developments. Whether you're acquiring distressed properties, implementing the BRRR strategy, or needing quick access to rehab funds, our loans cater to your diverse needs.

Our DSCR loans are designed specifically for 1-4 unit residential properties. Whether you're refinancing a rented property or acquiring a vacant one, our tailored solutions cater to your unique requirements.

Our DSCR Portfolio loans are ideal for seasoned investors managing 1-4 unit residential portfolios, offering lower closing costs and consolidated payments. Perfect for optimizing cash flow, transitioning from traditional financing, and efficiently scaling property portfolios.

Our Lite Doc Commercial Mortgages are ideal for investors seeking flexible financing for 5+ unit residential properties, mixed-use properties, and various commercial properties, including retail, light industrial, and warehouses. These loans are especially beneficial for those requiring a streamlined application process, competitive rates, and a quicker closing timeline.

Our Full Doc Commercial Mortgages cater to investors with strong financial qualifications, providing the dual benefits of lower rates compared to Lite Doc Commercial Mortgages and faster closing times than traditional bank loans for diverse commercial assets.

Revolutionize your fix and flip strategy with Express Capital Financing's tailored loan solutions, designed specifically for 1-4 unit properties that are not owner-occupied. Benefit from our flexible terms and experience a hassle-free process:

Our ground-up construction loans are ideal for real estate investors looking to develop 1-4 unit properties or 5+ units. Specifically designed for non-owner-occupied projects, these loans always come with dedicated construction funds, making them perfect for those seeking quick financing and control over their construction projects.

Our Multi-Family and Mixed-Use Bridge Loans are ideal for real estate investors seeking quick, flexible financing for 5+ unit properties or mixed-use developments. Whether you're acquiring distressed properties, implementing the BRRR strategy, or needing quick access to rehab funds, our loans cater to your diverse needs.

Our DSCR loans are designed specifically for 1-4 unit residential properties. Whether you're refinancing a rented property or acquiring a vacant one, our tailored solutions cater to your unique requirements.

Our DSCR Portfolio loans are ideal for seasoned investors managing 1-4 unit residential portfolios, offering lower closing costs and consolidated payments. Perfect for optimizing cash flow, transitioning from traditional financing, and efficiently scaling property portfolios.

Our Lite Doc Commercial Mortgages are ideal for investors seeking flexible financing for 5+ unit residential properties, mixed-use properties, and various commercial properties, including retail, light industrial, and warehouses. These loans are especially beneficial for those requiring a streamlined application process, competitive rates, and a quicker closing timeline.

Our Full Doc Commercial Mortgages cater to investors with strong financial qualifications, providing the dual benefits of lower rates compared to Lite Doc Commercial Mortgages and faster closing times than traditional bank loans for diverse commercial assets.

Why Real Estate Investors Choose Express Capital Financing

Express Capital Financing is here to help you get the financing you need when you need it. We can work with investors who have less-than-perfect credit scores, unique property types, or unconventional financial situations. Each loan is assessed individually, resulting in personalized loan structures to meet your specific needs.

Quick Funding

Get fast, reliable financing to seize opportunities with unmatched speed.

Maximum Leverage

Maximize your real estate portfolio effortlessly with higher leverage.

Unmatched Flexibility

Enjoy tailored loans that flexibly adapt to your needs and goals.

Real Testimonials, Real Success Stories

Discover the impact of Express Capital Financing through the eyes of those who have experienced the power of our investor-friendly terms, efficient funding, and unwavering support, resulting in successful and profitable real estate investments.

Loan FAQs

Investing in real estate offers both opportunities and challenges for investors.

Pros:

Steady Income: Rental properties can generate consistent income.

Capital Appreciation: Property values tend to increase over time.

Inflation Hedge: Real estate often outpaces inflation, protecting capital value.

Tax Advantages: Deductions for expenses and depreciation can lower tax bills.

Leverage: A small amount of capital can control a large asset.

Cons:

Liquidity: Real estate is less liquid than stocks or bonds, complicating quick sales.

Maintenance: Requires ongoing management, repairs, and tenant relations.

Market Risk: Prices and demand are subject to economic and local market fluctuations.

High Entry Costs: Initial investment is significantly higher than for other assets.

Interest Rate Sensitivity: Profitability can be affected by rising borrowing costs.

Balancing these factors is crucial for investors to align real estate investments with their financial objectives and risk tolerance.

Consider private money lending in real estate when traditional financing options are not feasible or when speed and flexibility are essential. Private Money is especially suitable in the following scenarios:

Quick Closings: When a real estate investment opportunity requires a fast closing that traditional banks cannot accommodate, private lenders offer quicker access to funds.

Renovation Projects: For properties needing significant rehabilitation, which might not qualify for conventional loans, private money can provide the necessary financing.

Short-Term Financing Needs: If you plan to flip a property quickly or need bridge financing while securing long-term funding, private lending is an ideal solution.

Non-qualifying for Traditional Loans: Investors who may not meet the stringent requirements of banks due to credit issues or unconventional income sources can turn to private lenders.

In essence, private money lending is a valuable tool for real estate investors looking for flexibility, speed, and funding for projects that don't fit traditional lending criteria.

Private money lending in real estate provides key advantages for investors:

Speed: Offers faster funding compared to traditional banks, facilitating quick closings.

Flexibility: Loan terms are more adaptable, suitable for unique projects or situations.

Simplified Approval: Focuses on property value and investment potential, benefiting those with less-than-perfect credit.

Rehab Financing: Ideal for funding renovation projects that conventional loans typically don't cover due to property condition.

Strategic Partnerships: Beyond financing, private lenders can offer valuable advice and networking opportunities.

These benefits make private lending a compelling option for investors seeking quick, flexible financing solutions, especially for projects that fall outside traditional lending criteria.

Real estate loans provide key advantages over using cash for property purchases:

Leverage: Allows control of a larger asset with a smaller initial outlay, enhancing potential returns.

Liquidity Preservation: Keeps cash reserves for unexpected expenses or new opportunities, ensuring financial flexibility.

Tax Benefits: Interest payments are often tax-deductible, improving cash flow.

Risk Distribution: Borrowing enables investment in multiple properties, spreading risk.

Capital for Further Investments: Financing one property frees up cash for diversifying investments, potentially boosting overall returns.

These advantages highlight why real estate loans are a strategic choice for maximizing investment leverage and maintaining financial agility.

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