Capituro
Contact
Premier Real Estate Capital Firm

Capital to Acquire,
Refinance, and Scale.

Short term and long term financing on existing assets, including cash-out refinance, acquisition, and rehab.

See Our ProgramsTalk to a Loan Advisor
As low as
1 day
Property seasoning
Same day
Term sheets available
1-200+
Units
Flexible
Use of cash-out
DSCR Purchase/DSCR Cash Out Refi/DSCR Interest Only/1 to 4 Unit Rental/5 to 10 Unit Multifamily/10+ Unit Multifamily/DSCR Rate and Term Refi/Stabilized Commercial Refi/Portfolio Loans/Commercial Real Estate/
Why Investors Choose Us

One Relationship,
Every Stage of the Portfolio

We focus on permanent financing for stabilized property you already own or are buying to hold, from your first rental refinance to a growing portfolio.

Explore Loan Programs
1

Built for Existing Assets

DSCR refinance, cash out, and commercial loans on stabilized rentals and commercial property. One relationship as you add doors and move up in asset size.

2

Structured Around the Deal

Whether it is a single-family rental refinance or a $12M mixed-use acquisition, we look at what the deal needs and find the right structure.

3

Fast and Transparent

Quick quotes on simple deals, often same day. We tell you upfront what we need and what to expect on timing.

Loan Programs

Loan Programs for Existing Assets

Flagship Program
Flagship

Capituro Cash Out

Pull equity from stabilized residential, multifamily, and commercial assets.

$250K to $75M
Loan size
1 to 200
Units
1 day
Seasoning
Up to 80%
Max LTV
25-30 yr
Term
Single familyMultifamilyMixed useRetailOfficeSelf storageLight industrial
Program details
DSCR
1 to 4 Units

1 to 4 Unit DSCR

$250K to $10M
Loan size
1 to 4
Units
85%
Max LTV
0.5
Min DSCR
Program details
5 to 10 Units

5 to 10 Unit DSCR

$500K to $5M
Loan size
5 to 10
Units
75%
Max LTV
25-30 yr
Term
Program details
10+ Units

10+ Unit DSCR

$500K to $50M
Loan size
10+
Units
75%
Max LTV
25-30 yr
Term
Program details
Other Programs
Speed

Bridge

$250K to $75M
Loan size
75%
Max LTV
6 to 36 mo
Term
As few as 14 days
Close in
Program details
Commercial

Commercial DSCR

$300K to $75M
Loan size
75%
Max LTV
0.90
Min DSCR
5 to 30 yr
Term
Program details
Build

Residential Ground Up Construction

$250K to $10M
Loan size
90%
Max LTC
70%
Max LTV
12 to 24 mo
Term
Program details
Process

Simple Process,
Start to Close

Tell us the deal and we take it from there. No running around after third parties, no wondering where things stand.

01

Tell Us About the Deal

Share the basics - property, strategy, and what you are trying to do. That is enough to get started.

02

Get Your Quote

Rate, leverage, fees, and timing from someone on our team. Simple deals are often same day. Bigger or commercial deals take a bit longer.

03

We Coordinate the Rest

Your analyst handles most of the coordination by email. We reach out to title, appraisal, insurance, and any third party reports directly, so you are not chasing vendors.

04

Fund and Close

Once conditions are cleared, we coordinate closing. We stay with you until it is done.

Property Types

Financing Across
Property Types

We finance existing, income-producing property. From a single rental through stabilized multifamily and commercial assets.

Single Family Rental
DSCR 1 unit
2 to 4 Unit
Duplex, triplex, quad
Multifamily 5 to 200
Apartments, garden style
Mixed Use
Retail over residential
Office
Class B and C, medical
Retail
Strip centers, single tenant
Light Industrial
Flex, warehouse, last mile
Self Storage
Climate controlled, drive up
Not sure if your property fits?
Special use properties, ground leases, and more complex scenarios are welcome. Reach out and we'll let you know what we can do.
Run It By an Advisor
Built for Investors
Who We Work With

From Rentals to
Multifamily and Commercial

DSCR
1 to 4 unit rental investors

Long term hold financing for single family through fourplex, plus Capituro Cash Out when you want equity from stabilized rentals.

Multifamily
Apartment owners and operators

5 to 10 and 10+ unit DSCR for stabilized multifamily, with bridge when you need speed before permanent debt.

Build and bridge
Builders and value-add investors

Residential ground up construction and bridge for acquisitions, vertical builds, and the move into DSCR or cash out when the asset is stabilized.

Commercial
Stabilized commercial owners

Commercial DSCR and Capituro Cash Out on retail, office, mixed use, flex, and self storage.

State Coverage

Where We Close

The map below shows where we close. Coverage can vary by property and loan program. If you do not see your state highlighted, ask us about your specific scenario.

We close here
Inquire for availability
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Where We Close
Common Questions

Answers to Common Questions

What credit score do I need?+
It depends on the program. DSCR rentals start at 620, with top-tier pricing at 700 plus. Bridge starts at 650, and residential ground up construction at 680, though experienced operators with a track record of completed projects can sometimes flex lower. Commercial loans weigh the asset, the sponsor balance sheet, and the deal structure more heavily than personal credit.
How fast can you actually close?+
It depends on the program and how clean the deal is. Bridge loans can close in as few as 14 business days. DSCR purchases and cash out refinances typically run about 30 days. Residential ground up construction loans usually close in 21 to 30 business days from application. The fastest closings happen when the appraisal is ordered immediately, title is responsive, and entity documents are ready. Tell us your deadline and we will work backward from there.
Can I pull cash out right after buying a property?+
Yes. We offer as low as 1-day property seasoning on DSCR cash out refinances. You can close the refinance as soon as the prior acquisition has recorded - without the typical 6-month wait. On purchases, reserve funds often do not need seasoning either, so capital moved between accounts shortly before closing still qualifies. Mention your situation when you reach out and we will confirm what applies to your deal.
Do I need liquidity or reserves in the bank to close?+
It depends on the program. Ground up construction and bridge loans usually require cash reserves at closing. Many DSCR cash-out refinances do not. DSCR purchases and refinances sometimes do, especially on larger loans. We will tell you upfront what your deal needs.
Can I close in an LLC or holding company?+
Yes. Closing in an LLC, LP, S Corp, C Corp, or trust is standard on every business purpose program we offer. No deed transfer at closing required. You will need basic entity documents and a personal guaranty in most cases.
Do I need to provide tax returns or income documentation?+
For our flagship DSCR, residential ground up construction, bridge, and most commercial loans, no. We qualify on the asset, the rent or projected income, and your real estate track record - not your personal income or employment. That works particularly well for self-employed investors and anyone with optimized personal taxes. Full doc options are available when they produce better pricing.
Contact Us

Ready to Get Started?
Let's Run the Numbers.

Send the basics. We will get back with a term sheet, usually same day.