Loan Program

Investor Purchase Loans

Acquisition financing for investment property purchases where speed, certainty and asset-focused underwriting matter most.

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Overview

Who this loan is designed for

Some deals do not fit a rigid loan box. Investor purchase financing is asset-focused: the property, the numbers and the transaction structure lead, rather than a one-size-fits-all program.

Bear City Capital also considers joint venture participation on qualified opportunities, providing capital and strategic support alongside investors and developers.

Common uses

Off-market acquisition requiring certainty of execution
Non-owner-occupied purchase that falls outside conventional guidelines
Portfolio additions where speed is the deciding factor
Qualified joint venture opportunities with investors and developers

Illustrative scenarios only. Structure and eligibility are determined in underwriting.

Underwriting Focus

What Bear City Capital considers

Five things shape the conversation on every submitted deal.

Property

Asset type, location and value support.

Project

Business plan for the property after closing.

Timeline

Contract dates and required closing speed.

Borrower

Entity structure, experience and capital in the deal.

Exit strategy

Hold, sale or refinance path.

How It Works

From Deal to Closing

Four steps from first conversation to funded capital.

01
Share Your Deal
Property, requested financing, project scope, timeline and exit strategy.
02
Review Options
Bear City Capital evaluates the opportunity and potential financing structures.
03
Complete Underwriting
Provide borrower and property documentation so the file can move efficiently.
04
Close and Execute
Complete closing and put the capital to work on the project.