JCAP Private Lending

Rehab Loan Fix and Flip
Property Types	2-4 Units, Multi Family, SFR
Lendding Area	NATIONWIDE
Loan amount Minimum	$300,000
Loan amount Maximum	$5,000,000
Interest Rate Minimum	11%
Interest Rate Maximum	14%
Points Minimum 1st TD	1
Points Maximum 1st TD	4
Terms	1 year
Credit Score Min	650
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

Hard Money Loan 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	9.75%
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

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.