Question 1

What types of properties do you finance?

Accepted Answer

Bear City Capital finances non-owner-occupied investment property only. All financing is subject to underwriting, program eligibility and property review. Program availability and structure vary by transaction.

Privacy Policy Terms & Conditions

Question 2

Do you work with first-time investors?

Accepted Answer

Yes. Both new and experienced investors are considered. On a first project, the property, the numbers and the plan carry meaningful weight in review.

Question 3

How quickly can a loan close?

Accepted Answer

Funding is available in as little as 10–12 days on qualified projects. Actual timing depends on documentation, third-party reports and closing coordination.

Question 4

What information do I need to submit a deal?

Accepted Answer

Start with the property address and type, requested loan amount, purchase price or current value, rehab budget and projected value if applicable, your timeline and your exit strategy. Anything missing can be gathered during review.

Question 5

Do you lend nationwide?

Accepted Answer

Financing is offered for qualified real estate investment opportunities throughout the United States. Specific program availability varies by transaction.

Question 6

How does credit affect approval?

Accepted Answer

Credit is one factor, not the whole picture. The strength of the investment and the property are central, and flexible credit scenarios are considered. Eligibility is determined in underwriting.

Question 7

What loan programs are available?

Accepted Answer

Fix & flip loans, rental property loans, bridge financing and investor purchase loans. Joint venture participation is also considered on qualified opportunities.

Question 8

Do you finance renovation costs?

Accepted Answer

Yes. On eligible transactions, financing can be structured to include renovation costs alongside acquisition, with funding released as work progresses.

Question 9

Can I refinance an existing investment property?

Accepted Answer

Yes. Refinances on non-owner-occupied properties are reviewed, including properties coming out of a renovation or a short-term loan.

Question 10

Are there deferred payment options?

Accepted Answer

Deferred payment options are available on qualified loans, allowing eligible borrowers to defer payments until the property is sold or refinanced.

Question 11

What happens after I submit my deal?

Accepted Answer

The scenario is reviewed and the team follows up to discuss potential financing structures and the information needed to move forward.

Investor questions, answered

Questions investors ask

Your Next Deal Starts With the Right Capital.