Now Available: Up to 100% LTC on Qualified Ground-Up Construction and Fix & Flip Projects
Finance the Purchase. Fund the Project.
Qualified real estate investors may access programs financing up to 100% of the land or property purchase and 100% of eligible construction or renovation costs—subject to a maximum of 75% of ARV or as-completed value.
High Leverage Where It Matters Most
Finance the acquisition and the improvements in one investor-focused structure—when the borrower and transaction qualify.
Acquire the Land. Finance the Build.
Ground-up construction financing for qualified non-owner-occupied residential projects, from land acquisition through completion.
- Up to 100% of the eligible land purchase
- Up to 100% of the approved construction budget
- Maximum 75% of as-completed value
- Interest reserve may be included when supported
- 100/100 financing may be available from 600 FICO with one completed project
- Construction funds released through a draw process
Experience, credit, liquidity, property type, permits, plans, location, budget and project feasibility affect eligibility and maximum leverage.
Explore Ground-Up Construction →Finance the Purchase and Renovation.
Short-term acquisition and renovation financing for qualified light, moderate and heavy rehabilitation projects.
- Up to 100% of an eligible property purchase
- Up to 100% of the approved renovation budget
- Maximum 75% of after-repair value
- Interest reserve may be available when supported
- 100/100 financing may be available from 600 FICO with one completed project
- Renovation funds held and released through draws
Maximum leverage depends on experience, credit, liquidity, property, renovation scope, location, valuation and lending-partner guidelines.
Explore Fix & Flip →The Deal Must Support the Leverage
“Up to 100% LTC” means the program may finance the eligible acquisition and improvement costs when the total request remains within the applicable completed-value limit.
Strong project economics matter. The lower of the eligible project cost or the program’s value-based maximum generally controls the final loan amount.
Borrowers may still need funds for lender fees, closing costs, appraisal, title, insurance, deposits, reserves, overruns and costs outside the approved budget.
A Project With Sufficient Value Cushion
The remaining value cushion may support an interest reserve or other eligible financed costs. This example is for illustration only and is not an approval, quote or commitment to lend.
More Ways to Finance the Investment
When a high-leverage construction or renovation program is not the right fit, other short-term and long-term structures may be available.
Bridge Loans
Financing for acquisitions, refinances and time-sensitive investment opportunities with a defined exit strategy.
Explore Bridge Loans →DSCR Loans
Purchase, refinance and cash-out financing for stabilized rental properties, based primarily on qualifying property cash flow.
Explore DSCR Loans →Multifamily Financing
Short-term value-add and long-term financing options for multifamily acquisitions, renovations and stabilized properties.
Explore Multifamily →Start With the Deal—not a Generic Application
Borrowers Capital reviews the property, project economics, borrower profile and exit strategy together to identify potentially suitable business-purpose financing options.
Price the essential scenario details first. If the numbers show a potential fit, request verified pricing before assembling the complete file.
Scenario-Based Review
We consider cost, completed value, scope, experience, credit, liquidity, location and exit strategy together.
Multiple Program Structures
A transaction that does not fit one program may align with another available financing structure.
Investor-Focused Intake
The submission captures the details that matter for investment-property underwriting and leverage.
Clear Next Steps
Viable scenarios move forward with specific documentation and due-diligence requirements.
From Deal Scenario to Lending Review
Begin with the core property and borrower details. Additional information is collected as the transaction progresses.
Estimate the Scenario
Enter the purchase or land cost, project budget, completed value, experience, credit and available liquidity.
Request Verified Pricing
Send a promising scenario to Borrowers Capital for program comparison and confirmation of any missing details.
Complete Due Diligence
The originating broker or lender completes valuation, underwriting, title, documentation and final approval.
High Leverage Requires a Strong Scenario
Maximum financing is earned through the complete transaction—not through one qualification factor alone.
Factors That Strengthen the Request
- Sufficient spread between total project cost and completed value
- Documented renovation or construction experience
- Realistic budget, plans, permits and construction timeline
- Qualified contractor or project team
- Available liquidity and a credible exit strategy
Costs That May Still Be Out of Pocket
- Lender points and processing fees
- Appraisal, title, legal and insurance expenses
- Required deposits or initial draw expenses
- Liquidity or reserve requirements not financed
- Budget gaps, overruns and ineligible project costs
Submitting a Scenario for Your Client?
Broker and loan-originator submissions are welcome. Use the calculator to estimate leverage, liquidity and broker compensation before submitting the client scenario.
Find Out Whether the Deal Supports the Financing.
Estimate the project financing first, then request verified pricing when the numbers show a potential fit.