Park 49 Capital Funds (P49CF1), supported by a multi billion-dollar New York based fund and several private US Citizens, operates as a direct lender, providing assistance to owners of investment residential real estate.
Loans starting from $250K…
Up to $5MM

With over 30 years of real estate and financing expertise, Park 49 offers direct senior loans for fix-and-flips, ground-up construction, bridge, and permanent financing on sub-8-unit multifamily and single-family rental or flip properties. As a direct lender, we provide flexible, fast-tracked financing with competitive terms to support your investment goals
Initial Quote
48 Hours
Average Closing
30 Days
Products
Ground Up – Fix & Flip
Property Type: Non-Owner Occupied 1 to 4 Unit Residential
Loan Amount: $250,000 to $3,000,000
Loan To Value: 70% of Value, 60% if Not-Permitted
Loan To Construction: 95%
Loan To Cost: 75%
Loan To ARV: 70%
Term Length: Up to 18 Months
Recourse: Full
Rental Properties
Property Types: Single Family, 2-4 Units, Townhomes, PUD, Warrantable Condos
Loan Amount: $250,000 to $3,000,000
Loan Types: 30 Year Fixed Rate Mortgages, 5-7-10/6 Hybrid ARM’s
Recourse: Full
Term Length: 30 Years
Maximum Loan To Cost: 80% Based on Ownership Length
Maximum Loan To As-Is Value: 80% for Purchase/Rate and Term, 75% Cash-Out Refinance
Maximum Debt Service Coverage Ratio: 1.10 (Gross Rent/PITIA)
Minimum Guarantor FICO: 660
Multifamily Term
Property Types: Residential Buildings w/ 5+ Units, Mixed-Use Properties w/ 70%+ Resi Square Footage
Loan Amount: $250,000 to $5,000,000
Loan Types: Interest Only – Fixed & Adjustable Rate Options
Recourse: Full or Limited w/ Bad-Boy Carveouts Based on Loan Amount
Maximum Loan To Cost: 75% of Purchase/As-Is Value or 65% for Refinances Plus 100% Rehab Costs
Maximum Loan To Stabilized Value: 70% for Rate/Term Refinance, 65% for Cash-Out Refinance
Term Length: Up to 24 Months Plus a 6 Month Extension
Minimum Guarantor FICO: 680 Middle Score
What About Costs?
- Application Fee: $995 non-refundable.
- Credit & Background Check Fee: No fee.
- Expense Deposit: $500 unused portion is refundable.
- Loan Points: 1.50% – 3.00% of the total loan amount.
- Loan Costs: $1,320 paid at closing from proceeds.
- Legal Fee: Fee varies per deal state and loan type.
- Appraisal Fee: If required, paid upon request to the appraisal company.
The Process?

Let’s start with a quick review of your financing needs.
Financing Questionnaire
Please complete the linked PDF Questionnaire with all required information and return it via email using the link below. A member of our team will reach out to you shortly to discuss your inquiry.
All Inquiries
What Information Should I Prepare?
To streamline the process, please visit our document library via the link below and ensure all required information is prepared for submission or review as needed:
- Track record.
- When applicable, a scope of work.
- When applicable, a sunk cost analysis.
- When applicable, rent roll and current leases.
- Corporate documents including EIN certificate.
- If available, recent property valuation.
- Details of any existing credit agreements or obligations.
- Valid government-issued identification (e.g., driver’s license or passport).
Upon receipt of the loan request form and all pertinent documentation, a representative from Park 49 will contact you promptly. The representative will discuss your funding needs in detail and collaborate with you to develop a tailored solution that meets your specific circumstances.
* We do not extend financing in; Oregon, Utah, North and South Dakota, Minnesota & Vermont.