Homes and rentals
Purchases and refinances for the house you live in and the ones you rent out — including borrowers whose income does not fit a standard box.
Residential · Commercial · HELOC · Hard money
One stop.
Every loan.
Right solution.
Most borrowers end up explaining their deal four times to four different people. Bring it here once. We find the lender it belongs with, structure it properly, and stay on the file long after the wire clears.
Term SheetIllustrative
ProductHard money · construction
Loan amount$1,000,000
Acquisition$700,000
Construction budget$300,000
StructureInterest only
DrawsReleased as work completes
An illustration of how a file is laid out, not an offer of credit. Your terms depend on the property, the plan, and your file.
What we arrange
Four kinds of lending, one relationship.
A borrower rarely needs the same thing twice. The house, the building, the equity line and the fix-and-flip all get financed differently — so we place each one where it belongs instead of forcing it through a single product.
Income-producing property
Multifamily, mixed-use, retail and office. Acquisition, refinance, and cash-out against property you already hold.
Home equity line of credit
Draw against the equity in your home, and pay interest only on what you actually use — useful when a project’s timing is not yet fixed.
Speed and construction
Asset-based capital when a deal will not wait for a conventional timeline, with construction draws released as the work gets done.
Home equity line of credit
Put your equity to work.
Draw against the equity in your home and pay interest only on what you actually use. It takes a couple of minutes to apply, and nothing here touches your credit.
Interest applies only to the portion you have drawn. An unused line costs you nothing.
Take what you need when you need it, rather than borrowing against a date you are still guessing at.
A line sits behind the loan you already have, so the rate on it is untouched.
How it works
Three steps, and you keep our number.
01
Tell us about the deal
A short call about the property, the numbers, and when you need to close.
02
Get real terms
We take it to the lenders who actually fit the file and come back with terms you can compare side by side, not a rate teaser.
03
Close, then draw
We stay on the file through closing. Afterwards your loan lives in the borrower portal, where every statement and construction draw is tracked to the dollar.
The borrower portal
Your loan, in plain numbers.
Every Jay Capital borrower gets a private portal: current balance, what has been disbursed, what is left to draw, every payment received, and a downloadable statement for any month — without a phone call to find out where you stand.
Account Activity
Previous Balance$7,603.83
Payments Received($3,000.00)
Previous Open Balance$4,603.83
Current Charges$7,680.00
Amount Due$12,283.83
Get in touch
Tell us about the deal.
Call and you will speak to someone who can tell you exactly what is possible. Whatever the situation, we will work to find the structure that gets it done.