JCAP Private Lending

Hard Money Loan Commercial Bridge
Property Types	Industrial, Medical Office, Multi Family, Office, Retail
Lendding Area	arizona, california, colorado, florida, nevada, oregon, washington
Loan amount Minimum	$1,000,000
Loan amount Maximum	$5,000,000
Interest Rate Minimum	10.5%
Interest Rate Maximum	14%
Points Minimum 1st TD	1
Points Maximum 1st TD	4
Terms	1 year
Interest Only or Amortized	Interest Only
Fees	Underwriting
Extensions Available	Considered based on Performance
Lien Position	1st
Max Points Charge by Broker	5
Prepayment Penalty	No Prepayment Penalty
Intended Occupancy	Tenant
General Pricing or Guideline info	email jevon@jcap.net with scenarios. Here's generally what we do :) Geographic Location: CA, UT, CO, AZ and HI General Loan info: $100k to $5MM loan sizes (1sts) 3-12 month short term notes Interest Only payments. No prepayment penalty Rates: 1st at 10.875% No Min FICO Cash out up to 65% LTV(1st) Purchase up to 70% LTV Property Types 1 - 4 unit residential Loan Products: Bridge 1st: 10.875% - 12.5%, and 1.5 points (min origination $4k) plus broker(s). Loan limits: $100k to $2.5M loans. $2.5M to $5M with exception. Rehab loans: 10.875% - 12.5% new first with holdback, 1.5 points plus broker Up to 80% of the costs (purchase price/value + costs spent + budget to finish), No greater than 65% of ARV Rehab loans (Additional Info): Renovation budget to finish project: After repair value ARV: Cash reserves (liquid cash they have now): Experience: How many like projects completed in the last 3 years (or ever): If mid-construction refi (started but couldn't finish), what is the dollar amount of finished work so far: Submit your scenario: What's the address of the subject property? Type of property: Purchase price and date purchased: As-is value: Current loan amounts on the property: Loan amount needed: If cash out, what is the cash out being used for? Credit score: Exit / How will they pay us off ? Any tax liens or judgements, if so how much? (They'll have to be paid through closing.) Own other properties we can cross to make the deal work? If so, need addresses and debt.
Updated as of	2025-07-08

Hard Money Loan Residential Bridge
Property Types	2-4 Units, Condo, Industrial, Retail, Self-Storage, SFR, Shopping Center, Strip Center
Lendding Area	arizona, california, colorado, florida, nevada, oregon, washington
Loan amount Minimum	$30,000
Loan amount Maximum	$5,000,000
Interest Rate Minimum	8.5%
Interest Rate Maximum	14%
Points Minimum 1st TD	1
Points Maximum 1st TD	4
Terms	1 year
Interest Only or Amortized	Interest Only
Fees	Underwriting
Extensions Available	Considered based on Performance
Lien Position	1st, 2nd
Max Points Charge by Broker	5
Prepayment Penalty	No Prepayment Penalty
Intended Occupancy	Owner Occupied Business Purpose, Tenant, Vacant
General Pricing or Guideline info	email jevon@jcap.net with scenarios. Here's generally what we do :) Geographic Location: CA, UT, CO, AZ and HI General Loan info: $100k to $5MM loan sizes (1sts) 3-12 month short term notes Interest Only payments. No prepayment penalty Rates: 1st at 10.875% No Min FICO Cash out up to 65% LTV(1st) Purchase up to 70% LTV Property Types 1 - 4 unit residential Loan Products: Bridge 1st: 10.875% - 12.5%, and 1.5 points (min origination $4k) plus broker(s). Loan limits: $100k to $2.5M loans. $2.5M to $5M with exception. Rehab loans: 10.875% - 12.5% new first with holdback, 1.5 points plus broker Up to 80% of the costs (purchase price/value + costs spent + budget to finish), No greater than 65% of ARV Rehab loans (Additional Info): Renovation budget to finish project: After repair value ARV: Cash reserves (liquid cash they have now): Experience: How many like projects completed in the last 3 years (or ever): If mid-construction refi (started but couldn't finish), what is the dollar amount of finished work so far: Submit your scenario: What's the address of the subject property? Type of property: Purchase price and date purchased: As-is value: Current loan amounts on the property: Loan amount needed: If cash out, what is the cash out being used for? Credit score: Exit / How will they pay us off ? Any tax liens or judgements, if so how much? (They'll have to be paid through closing.) Own other properties we can cross to make the deal work? If so, need addresses and debt.
Updated as of	2025-07-08

Summary of all Guidelines
Loan Types	Bridge Loan, DSCR Loan, Hard Money Loan, Rehab Loan
Property Types	Multi Family, SFR
Lendding Area	NATIONWIDE
States Excluded	Idaho, Minnesota, Nevada, North Dakota, South Dakota, Vermont
Loan amount Minimum	$30,000
Loan amount Maximum	$5,000,000
Interest Rate Minimum	10%
Interest Rate Maximum	12%
Points Minimum 1st TD	1.5
Points Maximum 1st TD	3
Terms	18 months
Credit Score Min	620
Interest Only or Amortized	Interest Only
LTV Bridge	70
LTC Construction	75
Upfront Fees	Appraisal
ARV Rehab & Construction	70
LTC Rehab	75
Intended Occupancy	Owner, Owner bridge, Vacant, Tenant
Consumer Purpose Occupancy Types - 1st Mortgages	Yes

Jcap Private Lending is a direct lender who closes and services investor funded short-term real estate loans. Our experienced team has been providing quality mortgage services for over 30 years.

Jcap Private Lending is an asset based lender who steps in to quickly solve a short-term financial need secured by Real Estate. Jcap has an innovative approach to lending: focusing on speed, simplicity, and safety for borrowers and investors.

Jcap’s operating philosophy is simple –

“We Care & We Serve”

JCAP Private Lending is located in Costa Mesa, CA. They offer financing for Bridge Loans, Hard Money Loans, DSCR Loans and Rehab Loans. The property type they primarily lend against is SFR and Multi Family. Their minimum loan amount is $30,000. Their maximum loan amount is $5,000,000. They offer loans for a minimum Term of 3 months. Maximum duration of 18 months. Although rates can change they are typically lending at a minimum rate of 10%. Maximum interest rate of 12%. Points charged are deal specific, but historically have charged a minimum of 1.5. Maximum points charged are 3.

These descriptions are limited information and meant for general reference purposes.