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We offer a range of private lending products tailored to real estate investors. Our core loan programs include Rental (long-term financing for stabilized properties), Fix & Flip (short-term purchase and rehab loans), Multifamily (bridge loans for apartment buildings with 5–100 units), Refinance & Long Term (cash-out refi and rate-reduction options), and Ground Up Construction (new-build financing for residential projects). Visit our Services page for full details on each program.

Speed is one of the biggest advantages of working with a private lender. Fix & Flip loans can close in as few as 10 days, and Multifamily bridge loans typically close within 5–20 days. Exact timelines depend on the completeness of your application, the property appraisal, and title work. We work to eliminate unnecessary delays so you can compete with cash buyers on time-sensitive deals.

Minimum credit requirements vary by loan program. For Rental loans, we require a minimum FICO score of 600. Fix & Flip and other short-term programs focus more heavily on the deal itself—the property value, your rehab budget, and your experience—so credit requirements may be more flexible. Interest rates are adjusted based on your credit profile and track record. Contact us to discuss your specific situation.

Loan amounts depend on the program and the property. Fix & Flip loans are available up to $5 million with up to 92.5% of the total loan cost and 75% LTV. Multifamily bridge loans range from $500K to $10 million. Ground Up Construction loans range from $50,000 to $3.5 million, covering up to 85% of total project costs. Rental loans offer up to 80% LTV on purchases and 75% on cash-out refinances.

Most of our short-term loan programs—including Fix & Flip and Refinance—are stated-income only, meaning we do not require W-2s, tax returns, or pay stubs. Underwriting focuses on the asset value, your experience, and the overall deal economics. Rental and long-term programs may have DSCR (Debt Service Coverage Ratio) requirements to ensure the property generates sufficient cash flow to cover the loan payments.

We finance a variety of residential investment property types including single-family residences (SFR), 2–4 unit properties, condos, PUDs, townhomes, and multifamily apartment buildings with 5–100 units. Ground Up Construction covers residential 1–4 units, townhomes, and condos. We do not finance owner-occupied primary residences—our programs are designed exclusively for investment properties.

For Fix & Flip loans on a 1-year term, there is no prepayment penalty—you can pay off the loan early without any additional fees. This is ideal for investors who plan to renovate and sell quickly. Refinance loans on a 1-year term also carry no prepayment penalty. Longer-term rental loans may include a prepayment structure; ask your loan advisor for details specific to your scenario.

Getting started is simple. Visit our Loan Application page and fill out the online form with your contact details, property information, and loan request. A member of our team will review your submission and reach out within one business day to discuss next steps, request any additional documentation, and provide a preliminary term sheet. You can also call us directly at (817) 739-0981 to get started over the phone.

Traditional banks often take 30–60 days to close a loan and require extensive income documentation, high credit scores, and rigid underwriting criteria. As a private lender, 151 Capital focuses on the strength of the deal and the property itself. We offer faster closings, flexible qualification standards, stated-income programs, and interest-only payment structures that let investors maximize cash flow and move quickly on opportunities.
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Contact Info

8509 Western Hills Blvd
Fort Worth, TX 76108
(817) 739-0981
info@151capital.com

Business Hours

Mon – Fri: 9:00 AM – 5:00 PM
Sat – Sun: By Appointment