Private capital for investment property
Fix-and-flip, rental, bridge and investor purchase financing — up to 100% on qualified deals, funded in as little as 10–12 days.
Sample scenario
Fix & Flip acquisition
10–12
days to fund
on qualified projects
Qualified investors can be considered for funding on purchase, rehab and eligible closing costs.
A streamlined review process built to keep a contract moving toward the closing table.
The strength of the investment and the property lead the conversation, not a credit score alone.
Eligible borrowers can defer payments until the property is sold or refinanced, protecting cash flow.
Financing for qualified investment opportunities throughout the United States.
Non-owner-occupied investment property is the entire focus — not consumer mortgages.
Loan Programs
Four programs for investors buying, improving, refinancing and holding non-owner-occupied property nationwide.
Short-term financing for acquisition and renovation on value-add investment properties, structured for fast closings and practical draw schedules.
Financing for single-family and small multifamily rentals — acquire or refinance assets you intend to hold for the long term.
Interim capital for time-sensitive acquisitions, property stabilization, or transitions between financing stages.
Flexible acquisition financing for investment properties where speed, certainty and asset-focused underwriting matter most.
Why Bear City Capital
The right deal shouldn't stall because capital moves too slowly.
The focus is investment property: fix-and-flips, rentals, refinances and bridge scenarios — not owner-occupied consumer mortgages.
Opportunities move quickly. Review is designed to be responsive so a deal is not lost waiting on capital.
The property, the numbers and the investment plan drive the structure instead of a single rigid loan box.
You should know what information is needed, what happens next and what to expect through closing.
Strong deals get attention. Bring the scenario and the numbers and the opportunity gets a straight answer.
Qualified investment opportunities are considered throughout the United States.
Have a deal?
Share the property, the financing need and your timeline — we'll review it and come back with options.
How It Works
Four steps from first conversation to funded capital.
Property, requested financing, project scope, timeline and exit strategy.
Bear City Capital evaluates the opportunity and potential financing structures.
Provide borrower and property documentation so the file can move efficiently.
Complete closing and put the capital to work on the project.
100%
Financing available
10–12
Days to fund
50
States considered
4
Loan programs
Subject to underwriting and program eligibility.
Who We Work With
From a first project to an established portfolio, the review starts with the deal in front of you.
A viable deal and a clear plan matter more than a long track record.
Repeat value-add projects that depend on speed and reliable draws.
Acquisitions and refinances for long-term, cash-flowing ownership.
Investors adding assets and recycling capital across multiple projects.
Qualified projects, including joint venture participation.
Operators who need capital that keeps pace with the opportunity.
FAQ
Not covered here? Send the deal in — specifics are best answered against real numbers.
Get Started
Tell us what you're working on and we'll talk through your financing options.
Subject to underwriting and program eligibility. Non-owner-occupied investment property only.
