Frequently Asked Questions
Capstone primarily lends across the major metropolitan areas in Texas including Austin, San Antonio, Houston, and Dallas/Fort Worth
as well as other cities on a case by case basis.
What properties do you lend on?
Single-family residential, multi-family residential, commercial (all types), rehab properties, rentals, and urban land.
Will you lend on my Homestead?
No, we do not lend on homesteads or a borrower’s current residence. All of our loans are considered commercial loans meaning that they are for business purposes. The property cannot be inhabited by the borrower.
Will you lend to my LLC?
Yes, nearly all of our loans are made to real estate investment companies.
Are there any upfront costs?
There are NO up-front fees to Capstone. In other words we do not get paid if we don’t close your loan; however the borrower is responsible for any 3rd party costs such as the appraisal fee, etc. These costs can be paid directly to the 3rd party.
What Loan to Values do you offer?
We prefer 70% or less; however, we have considered as high as 75% for a strong asset and borrower situation.
What size loans do you fund?
The typical loan range is $100,000 – $2M; however, all loans are considered on a case-by-case basis.
What criteria do you use to approve a loan?
The primary criteria is the project’s loan-to-value (LTV) ratio, market demand for the project, borrower’s experience and ability to service the debt, and an achievable exit strategy. Depending on the nature of the project, other criteria may need to be evaluated before approving a loan.
How long does it take to approve and close a loan?
We can typically approve loans within 48 hours or less of the request. Often we can close in as little 7-10 days from the appraisal or value in hand. The more organized and responsive the borrower, the faster we can close.
If you would like a rate quote, please call us or fill out this short form to the right and someone will get back to you shortly. If you need a full loan approval, please fill out our Loan Request Form.
507 Denali Pass, Suite 401
Cedar Park, TX 78613