PowerCap Wholesale
A dynamic lending platform built for real estate and construction professionals, commercial loan officers, and brokerages.
You refer. We deliver.
(Click below to get started)
Our Products
Rental Loan DSCR
Rental loan offers access to long-term financing for investors to unlock existing equity, consolidate debt or purchase new rental properties.
1–4 Unit Bridge & Construction Loans
Flexible short-term financing solutions for investors to purchase new properties, refinance existing investments or fund renovation
Small Balance Multifamily Bridge & Construction Loans
Comprehensive financing solutions for multifamily properties
How It Works
Simple Steps to Secure Your DSCR Loan
1. Apply: Complete our broker application.
2. Submit: Provide the necessary property and borrower information.
3. Review: Our team evaluates the property's cash flow and other criteria.
4. Close: Benefit from our efficient processing and close your loan swiftly.
(Click below to get started)
Rental Loan Program Highlights
NO INCOME VERIFICATION: Qualify based on property cash flow, not personal income.
Tailored DSCR Loan Programs to Fit Your Needs
- Loan Amounts: Up to $3 million($5 million upon exception)
Credit Score: Minimum FICO of 660*- Property Types: SFR, 2-4 Units, Condos, Condotel, Non-Warrantable Condo
- Occupancy: Investment properties only.**
- Terms: 30 & 40-year fixed, 5/6 & 7/6 ARM options, Interest Only payment options.
1-4 Unit Bridge & Construction Loans Program Highlights
Fix and Flip (RTL)
EXPERIENCE
LTC
LTARV
≥ 6 PROJECTS
90%
70%
3–5 PROJECTS
85%
70%
1–2 PROJECTS
80%
65%
GROUND UP / HEAVY REHAB
EXPERIENCE
LTC
LTARV
≥ 6 PROJECTS
85%
70%
3–5 PROJECTS
85%
70%
1–2 PROJECTS
75%
60%
BRIDGE
PURPOSE
LTARV
PURCHASE
75%
RATE AND TERM
70%
CASH OUT
60%
Flexible short-term financing solutions for investors to purchase new properties, refinance existing investments or fund renovation
LOAN TERMS 12–24 MONTHS
PROPERTY TYPE: SFR | 2–4 UNIT | PUD
Max Loan Amount
$2,000,000 (higher by exception)
Amortization
Fixed Rate Interest Only
Prepayment Penalty
None (min 6 months interest required)
Occupancy
Investment / NOO only
Cash Out Proceeds
Max cash in hand – $500,000
Eligible Borrowers
Business entity with personal guarantee
(U.S. Citizen or Permanent Resident Alien)
680 Middle/Median FICO Score
Experience
Similar projects completed in the last 36 months
Small Balance Multifamily Bridge & Construction Loans Program Highlights
- Loan Size: $1,000,000 - $5,000,000 (may consider larger with compensating factors)
- Property Types: Multifamily 5+ units (mixed use allowed case by case)
- Transactions: Acquisition and Refinances; lease up, value add rehab & heavy rehab
- Loan to Value: Up to 80% LTV (non-rehab loans)
- Loan to Cost: Up to 85% LTC (for rehab loans)
- Term: 12-24 months with extension options
- Amortization: Interest only
- Spread: SOFR + 450-550 basis points
- Origination Fee: 1-2%
Exit Fee: 0-1%- Recourse: Recourse and Non-recourse options available
- Minimum Interest Period: 3-6 months
Other Notes:
No interest charged on undrawn funds
Loans must pass profitability test