Real Estate Loan Programs | Sphinx Capital

Residential

Residential programs.

Short-term financing to renovate or build, and long-term financing for rentals you plan to hold.

Fix & Flip

Short-term financing to buy and renovate residential properties, whether you plan to sell or to rent and refinance (BRRRR).

$200,000 – $10,000,000+ loan amounts
Up to 90% LTC and up to 75% ARV
Renovation financing up to 100% on qualifying files

New Construction

Ground-up financing for builders and developers, with select commercial projects considered case by case.

$500,000 – $50,000,000+ loan amounts
75–90% LTC with 12–36 month terms
Spec homes, subdivisions, and multifamily development

DSCR Rental

Long-term financing for 1–4 unit rentals, qualified on the property's rental income. Includes purchase, rate-and-term refinance, and cash-out.

$100,000 – $20,000,000 loan amounts
Up to 80% LTV
Rates from 6.25%

Multifamily Rental

Purchase and refinance financing for 5- to 20-unit rental properties, qualified on the rent the units produce.

$100,000 – $20,000,000 loan amounts
Up to 80% LTV
Rates from 7.25%

Commercial

Commercial programs.

Bridge and permanent financing for commercial properties of all types. Looking for hard money? Those requests run through Fix & Flip or Commercial Bridge. Refinancing a rental? See DSCR Rental.

Commercial Bridge

Short-term financing for multifamily, mixed-use, office, retail, and industrial properties while you lease up, reposition, or prepare for long-term financing.

$250,000 – $100,000,000+ loan amounts
Rates from 7.99% to 11.99%
Closings in 10 to 30 days

Commercial Permanent

Long-term financing for stabilized commercial properties, for acquisitions and refinances.

$250,000 – $100,000,000+ loan amounts
Rates from 6.00% to 10.00%
5, 7, 10, or 30 year terms, up to 80% LTV

Need help choosing the right loan?

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Flexible programs to fit your strategy.