lending guidelines

Loan Amounts

$35,000 to $40,000,000

Interest Rates

7% to 24%

Loan Terms

3 months to 117 months

Fees

1.75% to 6%

Lien Positions

1st, 2nd

Loan Programs Offered

2-4 Unit Multifamily

Bridge

Cash Out Refinance

Commercial

DSCR (Buy and Hold)

Fix and Flip

Land

New Construction

Primary Residence

Private Money Loans

Transactional Funding

Borrower Entity Types Allowed

Corporation

Individual(s)

Limited Partnership

LLC

Non-Profit Corporation

Self-Directed IRA

Trust

Where we lend

Select States

Nevada

Arizona

Texas

Colorado

Things We Don't Consider

2nd Mortgages above 65% LTV

Purchase Loan

Maximum loan-to-purchase price of 65%

No property contract required

Proof of funds letter provided

Auction purchases considered

Borrower's equity can come from: own cash, partner, equity in subject property, equity in other investment property, equity in primary residence, seller financing, gap lender, or family

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Fix and FLip

Refinance

new construction

Land lending available throughout southwest United States, with or without entitlements

Eligible land types: residential, multifamily, industrial, office, retail, hospitality, special purpose, and cannabis use land

Will consider unentitled land

Maximum 65% LTV and LTC for land acquisition

Junior liens available for purchase, refinance, equity cash-out, mezzanine, and preferred equity

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DSCR

Loan amounts range from $30,000 to $30,000,000

Interest rates from 8% to 13%

Origination fees from 1.75% to 6%

Loan terms from 36 to 120 months

Maximum LTV of 75%

Maximum LTP of 80%

Portfolio lending not available

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Fees

Minimum origination fee amount of $3,995

Relevant Info

About

Capella Mortgage offers flexible LTV options tailored to each deal. For flip properties, they may finance 100% of purchase price based on ARV, comps, experience, and property size. Construction loans typically provide 80% of build costs or 60% of final value, requiring paid-for land. Terms vary by location, property type, and builder reputation.

Testimonials

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Funded Deals

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Capella Mortgage Corp

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Contact

Capella Mortgage Corp

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