Fix & Flip
Financing for the purchase and renovation of investment properties, with your resale plan in mind.
Discuss your flip →Fast-moving deals. In-house review.Real estate capital.
Real estate capital.
Built for your
next opportunity.
Hard money loans and private financing for Washington and Arizona real estate investors. Explore fix and flip, bridge, new construction, cash-out refinance, and DSCR rental loan options. Submit your deal to start a focused in-house review, backed by 30+ years of combined experience in real estate investing, lending, and underwriting.
No third-party appraisal or on-site lender inspection required on the majority of loans. We use current as-is property photos for in-house underwriting.
Loans can fund in as little as 48 hours on eligible deals after approval, clear title, and completed documentation. Timing varies by lender and program.
BUILT FOR REAL ESTATE INVESTORSCapital for your next
purchase, rehab, or build.Purchase · Renovate · Build · Refinance
→purchase, rehab, or build.Purchase · Renovate · Build · Refinance
INVESTOR FINANCING AT A GLANCEFind the fit for your deal →
INTEREST RATES FROM9.99%
Annual interest rate on select eligible loans
ORIGINATION FROM1 point
1% of loan amount · additional fees may apply
LOAN AMOUNTS$100K–$5M
Financing sized around the property and program
Starting rate and points may not be available together and apply only to select programs. DSCR pricing, appraisal requirements, and closing timelines are reviewed separately. Actual terms, leverage, and availability depend on underwriting and the funding program. Interest rate is not APR.
30+ years of combined experience
Real estate investing, lending, and underwriting.
We review every deal in-house
Property, project numbers, and exit strategy.
Established capital relationships
Lending partners and direct capital on select deals.
The right capital for your strategy
What are you working on?
Start with the property and your plan. We’ll evaluate the deal and identify a financing path that fits.
Bridge Loans
Short-term financing for acquisitions, transitions, and opportunities with a tight closing window.
Explore bridge financing →
New Construction
Project financing for builders and investors, structured around your budget, build schedule, and exit.
Tell us about your build →
Cash-Out Refinance
Access equity in an investment property to fund improvements or pursue your next opportunity.
Review your options →
DSCR Rental Loans
Rental property financing with a review focused on rental income, property expenses, and the proposed loan.
Explore rental financing →Private money and hard money loan options for business-purpose real estate investments.
30+ years of combined experienceYour deal deserves
Your deal deserves
more than a quick glance.
We underwrite every deal we take on in-house. That means looking at the property, your project, the capital required, and how the loan will be repaid—before presenting a financing path.
Most loans are arranged through established lending partners, with direct capital available for select opportunities. Our review helps structure the request; partner lenders also complete their own underwriting and make the final decision on their loans.
Submit Your Deal →01
The property & its value
We review location, condition, photos, purchase price or current debt, and available comparable sales. For a renovation or build, we evaluate the proposed completed value against the project plan.
02
The scope, budget & timeline
We assess planned work, cost estimates, contingencies, permit status where applicable, and the time needed to execute. Construction projects also require a closer look at the builder and draw schedule.
03
Your experience & capital
We review relevant project experience, available cash, the proposed down payment, and reserves for costs or delays. Requirements depend on the project and funding program.
04
The exit & financing structure
We consider the sale or refinance plan, requested loan amount, closing deadline, and program fit. We explain potential obstacles, proposed requirements, and what is needed for a final decision.
How we move your deal forwardFrom first look
From first look
to a clear next step.
A streamlined review still needs a complete picture. We’ll help identify the information and milestones your transaction requires.
01 / SUBMIT
Start with the essentials.
Share the address, purchase price or value, rehab budget if applicable, requested financing, and target closing date.
02 / UNDERWRITE
We evaluate the deal.
We review the property, project economics, borrower profile, and exit. If something needs clarification, we identify it early.
03 / STRUCTURE
Understand the financing.
We discuss the proposed loan amount, pricing, cash requirements, funding source, and outstanding conditions. Preliminary terms remain subject to approval.
04 / CLOSE
Complete the final steps.
Coordinate required documents, insurance, title, escrow, and final funding approval. Confirm draw requirements before the project begins.
Current as-is photos. In-house underwriting.
The majority of loans require no third-party appraisal or on-site lender inspection. We require current interior and exterior photos of the property in its as-is condition for our in-house underwriting in lieu of an appraisal. Additional valuation, inspection, or draw-verification requirements may apply by program.
Two markets. One point of contact.Investing in the Northwest.
Investing in the Northwest.
Building in the Southwest.
We lend in all cities across Washington and Arizona, with property-specific review for each investment.
Selected financing experienceReal projects.
Real projects.
Experienced financing.
Acquisitions, renovations, and refinances our team helped finance.
Explore all five transactions →Selected transactions our team helped finance through prior lending relationships. Borrower identities and funding partners are kept private. Estimated after-repair values are projections, not completed sale results.
Purchase and Rehab
$921,894FUNDED LOAN AMOUNT · 12-MONTH TERM- Purchase price
- $850,000
- Rehab budget
- $200,000
- Estimated ARV
- $1,300,000
Purchase Only
$1,242,565FUNDED LOAN AMOUNT · 12-MONTH TERM- Purchase price
- $1,130,000
- Rehab budget
- $296,000
- Estimated ARV
- $1,799,000
Purchase Only
$377,535FUNDED LOAN AMOUNT · 9-MONTH TERM- Purchase price
- $430,000
- Rehab budget
- $50,000
- Estimated ARV
- $550,000
Northwest Investor InsightsPrepare the deal.
Prepare the deal.
Understand the financing.
Practical guides for Washington and Arizona investors—from your first submission to the renovation draw process.
Explore investor resources →Deal preparation
What to send for a faster deal review
The property, project numbers, and documents that help turn an inquiry into a useful financing conversation.
Read the guide →Financing
Your down payment isn’t your entire cash requirement
Understand the difference between the purchase contribution, project costs, rehab holdbacks, and cash needed along the way.
Read the guide →Project planning
Plan your rehab draws before the work starts
Align your contractor’s payment milestones with the financing and documentation your project requires.
Read the guide →Investor tools · Deal AnalyzerEvaluate your deal.
Evaluate your deal.
Explore the financing.
Enter your project numbers and financing assumptions to calculate the results. Ready to move forward? Submit your deal with these numbers attached. Complimentary underwriting review is available as an optional next step.
Financing assumptions
Down payment applies to the purchase price. Points are paid in cash on the total loan amount. Interest assumes the purchase balance plus 50% of the rehab loan over the holding period. Additional lender fees are excluded. Planning assumptions only; actual terms require approval.
Buying, holding & selling costs
Selling costs default to 9% of the sale price: 6% commission, 2% excise / transfer tax, and 1% combined title and escrow. Edit these planning allowances for your transaction. Buying costs and monthly expenses start at $0; monthly expenses exclude loan interest.
Compare funding approaches
Same project and cost assumptions. Down payment applies to purchase price. Purchase + rehab loans assume the full rehab budget is financed. These are modeled scenarios, not approved offers.
| Funding | Loan commitment | Financing cost | Estimated cash invested | Estimated profit |
|---|---|---|---|---|
| Enter your project numbers to compare. | ||||
Reverse 1031 financing · Washington + ArizonaFound the next property?
Found the next property?
Move before you sell.
Reverse 1031 financing helps bridge the purchase of a replacement investment property before your existing property sells. Bring us the acquisition, available equity, and sale timeline so we can review a financing structure around your exchange.
Replacement property acquisitionShort-term capital with a defined exitCoordination with your exchange team
Submit Your Reverse 1031 Deal →Subject to underwriting, exchange structure, and program availability. Your qualified intermediary, exchange accommodation titleholder, and tax advisor guide the exchange requirements; financing approval does not establish tax eligibility.
Before you submitGood questions.
Good questions.
Straight answers.
How fast can you close?
Eligible deals may close in as little as 48 hours after approval, clear title, and receipt of all required documentation. This is not a guaranteed timeline. Funding source, property, deal complexity, and escrow readiness affect closing speed.
Will I need an appraisal or inspection?
The majority of loans do not require a third-party appraisal or on-site lender inspection. We require current as-is interior and exterior photos for in-house underwriting in lieu of an appraisal. DSCR and other programs may have separate appraisal, valuation, inspection, and draw-verification requirements.
Are you a direct lender or a broker?
Most financing is arranged through established lending partners, with our own capital available for select deals. The funding structure depends on the project and available program. We review every deal internally; partner-funded loans also require the funding lender’s final approval.
Can you help with an investment property I already own?
Yes. We can review bridge and cash-out refinance options for investment properties you already own. Available proceeds and terms depend on the property, existing debt, equity, and program requirements.
What do I need to get started?
Start with the property location, loan purpose, purchase price or estimated value, renovation budget if applicable, and target closing date. We’ll follow up for the documents needed to evaluate your specific deal.
Submit your deal · Start the reviewYour next opportunity.
Your next opportunity.
Let’s move it forward.
capitalfundingnorthwest@gmail.com
Submit your property, project numbers, and target closing date to start our in-house review. Have a tight deadline? Tell us when you need to close so we can assess the fastest available financing path.
Washington + Arizona
Business-purpose investment property financing