Mon–Fri 8am–6pm · Sat 8am–3:30pm PT
The capital you need. None of the runaround.
LGV Capital finances real estate investors nationwide — from DSCR rentals and bridge financing to fix & flip and ground-up construction. Deal-based underwriting, flexible structures, and a team that stays with you through closing.
- Deal-based underwriting. We structure financing around the property, project, and exit — not a one-size-fits-all box.
- Fast answers. Get initial financing feedback quickly, from a team that knows how to move deals forward.
- One financing partner. Purchase, refinance, rehab, bridge, or build — bring the scenario and we'll help structure it.
Got it — we're on it.
A specialist is reviewing your deal now and will reach out within one business day.
Financing built around relationships.
Real estate investors need more than capital. They need a financing partner who understands their goals, knows their deal, and is there when the next opportunity comes along.
Figures as of August 2026.
We look beyond the bank's box.
We underwrite the property and the plan, not just a credit box — so leverage, coverage, or a tight timeline doesn't automatically kill the deal.
Clear terms from the start.
We don't lead with teaser terms and retrade later. We structure the financing upfront so you can make offers and plan your project with confidence.
One team, start to finish.
A dedicated specialist who knows your file from the first call through closing — and is still your contact when you're ready for the next deal.
One partner for every type of deal.
From long-term rentals to ground-up construction, every LGV program is structured around the property and the plan — not a one-size-fits-all box.
DSCR Rental
Long-term financing qualified on the property's rental income — not your tax returns.
- Up to 80% LTV
- Qualifies on rental income, not tax returns
- No seasoning requirement
Fix & Flip
Purchase and rehab capital structured around your project and your exit.
- Up to 93% LTC
- Up to 100% of rehab costs
- First-time flippers welcome
Bridge
Short-term capital to close fast or hold a property until the permanent exit.
- Up to 75% LTV
- Fast closings when timing matters
- Interest-only with a flexible exit
New Construction
Ground-up financing that funds the build in step with the work.
- Up to 85% LTC
- Up to 100% of build costs
- Draws released at each milestone
No application fee to get started. Most deals get a same-day term sheet, and the entire approval runs online.
Get pre-approved onlineBuilt around the way investors actually invest.
From the first look at your deal to closing, we keep the process clear, responsive, and built around the property, the numbers, and your plan.
We look at the deal, not just the borrower
We underwrite the property's numbers and your plan — not just your personal income. That means the financing can be structured around the asset and the strategy.
One partner as you scale
First rental or fiftieth, a quick flip or a ground-up build — four programs under one roof means you don't have to start over with a new financing partner every time the deal changes.
Real people. Real answers.
You talk to someone who understands your deal and can help structure the financing — not a call center reading from a script.
Move while the opportunity is there
Same-day term sheets and straight feedback so you can make informed decisions while the deal is still live.
Have a deal in mind? Let’s look at it.
Tell us what you’re working on and we’ll show you the financing options that fit the property, the numbers, and your plan.
- No application fee
- Proposed terms, often the same day
- Financing in 45 states
Questions investors ask us.
Straight answers to what usually comes up before a deal.
Usually not. Many of our programs qualify on the property’s numbers and your plan rather than your personal income, so tax returns and W-2s typically aren’t required. Full-time and self-employed investors qualify the same way.
A DSCR (debt service coverage ratio) loan qualifies based on the property’s rental income instead of your personal income. If the rent covers the payment, including taxes, insurance, and HOA, you may qualify without tax returns or W-2s. LGV Capital DSCR loans qualify from a 0.75 DSCR. It’s one of the most common ways investors finance buy-and-hold rentals.
Our minimum is a 650 FICO across our programs, with new construction requiring a 680 minimum. Credit is one factor, and the property and your plan carry a lot of the weight, so share your scenario and we’ll tell you where you stand.
Our minimum loan amount is $100,000. Larger loans and portfolio deals are welcome too. Bring the scenario and we’ll take a look.
It depends on the program and the deal. DSCR purchases generally start around 20% down (up to 80% LTV), while fix and flip and construction are measured by loan-to-cost rather than a flat down payment. We’ll walk you through the numbers once we see the scenario.
Yes. These are business-purpose loans, so you can typically close in an LLC or other entity, which is how many investors prefer to hold their properties.
Yes. Short-term and vacation rentals can qualify under our DSCR program. How the rental income is counted can vary by property and market, so share the details and we’ll tell you how it works for your deal.
We finance investment properties in 45 states. We don’t currently serve Nevada, New York, North Dakota, South Dakota, or Vermont, and availability can vary by program. If you’re not sure about a market, ask us before you go under contract.
Residential investment properties across four programs: DSCR rentals, fix and flip, bridge, and ground-up construction. Whether you’re buying, refinancing, renovating, or building, first deal or fiftieth, there’s likely a fit.
Proposed terms often arrive the same day once we have the basic details. From there, the process runs online to keep your timeline moving.
Closing timelines depend on the program and how quickly appraisal, title, and documents come together. We’re built to move fast, and once we have what we need, we work to close on your timeline.
Just the basics on the deal: the property (or the one you’re targeting), what you’re trying to do, and rough numbers. There’s no full application or document package needed to start a real conversation and get proposed terms.
Still have a question? Call (323) 609-8360