Bear City CapitalReal Estate Lending

Services

Real estate investment financing

Access to capital for non-owner-occupied investment property. Everything else supports that.

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Primary business

Lending programs

Acquisition, renovation, refinance and bridge scenarios for investment property.

Fix & Flip Loans

Short-term financing for acquisition and renovation on value-add investment properties, structured for fast closings and practical draw schedules.

  • Distressed single-family acquisition with a full cosmetic renovation
  • Auction or off-market purchase requiring a compressed closing timeline
  • Value-add project where rehab dollars need to be financed alongside purchase
  • Rehab-to-refinance projects transitioning into a long-term hold
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Rental Property Loans

Financing for single-family and small multifamily rentals — acquire or refinance assets you intend to hold for the long term.

  • Purchasing a stabilized single-family rental
  • Refinancing a completed BRRRR project out of short-term financing
  • Acquiring small multifamily assets (typically 2–4 units)
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Bridge Financing

Interim capital for time-sensitive acquisitions, property stabilization, or transitions between financing stages.

  • Time-sensitive acquisition with a hard closing deadline
  • Stabilizing a property before permanent financing
  • Bridging a timing gap between a sale and a purchase
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Investor Purchase Loans

Flexible acquisition financing for investment properties where speed, certainty and asset-focused underwriting matter most.

  • Off-market acquisition requiring certainty of execution
  • Non-owner-occupied purchase that falls outside conventional guidelines
  • Portfolio additions where speed is the deciding factor
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Additional investor resources

Support alongside the capital

Secondary to the lending business, and available on qualified opportunities.

Joint Venture Participation

Flexible capital and strategic support for qualified acquisitions, renovations and development projects.

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Other investor services

Proof of funds letters, property leads and deal analysis — listed here once confirmed. Nothing is published until it is verified.

Placeholder section — pending confirmation from Bear City Capital.

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Your Next Deal Starts With the Right Capital.

Tell us what you're working on and we'll talk through your financing options.

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Subject to underwriting and program eligibility. Non-owner-occupied investment property only.

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