Business-purpose financing only
Capital Partners arranges financing for residential 1-4 unit property held for business or investment purposes: single-family rentals, duplexes, triplexes, and fourplexes. The firm arranges commercial purpose loans only. It does not arrange owner-occupied consumer home mortgages.
The firm's published record includes residential credit at real scale, including a $30M luxury SFR construction financing in Montecito, a $5.1M spec construction loan in Malibu, and a $3.9M single-lien refinance of an SFR portfolio in Detroit.
- Single-family rental acquisitions and refinances
- 2-4 unit investment property
- Renovation and bridge business plans
- Ground-up spec and rental construction
- Portfolios and single-lien refinances
- Owner-occupied primary or second homes
- Consumer-purpose refinancing
- Any request needing a consumer mortgage
What lenders review
For 1-4 unit investment property, lenders start with the after-repair or stabilized value, rental income coverage, the scope of work, sponsor experience, and a clear exit. Renovation and construction requests add budget, draw structure, and completion support. Rental requests lean on in-place or market rent coverage of the proposed debt service.
Sponsor underwriting runs beside the property. Lenders review experience with similar projects, liquidity, credit, and the plan for refinance or sale.
Financing paths
Depending on the project, the paths can include bridge and renovation financing, ground-up construction, longer-term rental financing underwritten to property cash flow, and portfolio structures that combine multiple properties under one facility.
Banks, private lenders, debt funds, and specialty finance companies each treat this asset class differently. Leverage, pricing, recourse, and speed vary widely, which is why the request should reach the lenders whose current criteria already fit it.
Preparing the request
The first pass should establish the property address, purchase or payoff amount, requested proceeds, scope of work with budget where applicable, expected rents or resale value, and the sponsor's track record. Capital Partners identifies the remaining items after the first review.
Published closings in this asset class
Common questions
Do you arrange consumer home loans?
No. Capital Partners arranges business-purpose and investment-property financing only. Owner-occupied consumer mortgages are outside the firm's practice.
Which residential properties qualify?
Single-family residences, duplexes, triplexes, and fourplexes held for investment or business purposes, including rentals, renovation projects, new construction, and portfolios.
How do I see which lenders fit?
Build a capital plan with the property, deal type, requested amount, and state, then have a principal review it. Residential, 1-4 Units is a first-class option on the first step.