DIRECT LOANS


Park 49 Capital Funds (P49CF1), supported by a multi billion-dollar New York based fund, operates as a direct lender, providing assistance to owners of investment residential real estate.

Loans starting from $250K…

Up to $2.5MM

Real Estate Investment Property

Modern real estate investing moves fast; your capital provider should too. Backed by 50+ years of collective industry expertise, Park 49 is a direct debt platform providing agile financing across fix-and-flip, construction, bridge, and long-term hold strategies. By combining direct balance-sheet flexibility with streamlined underwriting, we move capital at the speed of your next deal.

Initial Quote

48 Hours

Average Closing

30 Days

Our Loan Products

Build & Fix

Short-term financing for residential projects

Loan Amount:
$250K – $2.5MM

Property Type:
Non-Owner Occupied 1–4 Units

LTV / LTC:
70% LTV (60% unpermitted) | 75% LTC

LT-Construction / ARV:
95% LTC | 70% LT-ARV

Term Length:
Up to 18 Months

Recourse:
Full Recourse

Rentals

Long-term debt for buy-and-hold investors

Loan Amount:
$250K – $2.5MM

Property Types:
Single Family, 2–4 Units, Townhomes, PUD, Warrantable Condos

Loan Structure:
30-Yr Fixed & 5/7/10-Yr Hybrid ARMs

Max LTV / LTC:
80% Purchase/R&T | 75% Cash-Out | 80% LTC

Max DSCR:
1.10 (Gross Rent / PITIA)

Min Guarantor FICO:
660

Term & Recourse:
30 Years | Full Recourse

Multifamily

Bridge & value-add financing for small multifamily

Loan Amount:
$250K – $2.5MM

Property Type:
Residential Buildings (Up to 4 Units)

Loan Structure:
Interest-Only (Fixed & ARM Options)

Max LTC / As-Is:
75% Purchase / 65% Refi + 100% Rehab

Stabilized LTV:
70% Rate/Term | 65% Cash-Out

Min Guarantor FICO:
660 Middle Score

Term & Recourse:
24 Mos (+6 Mo Ext.) | Full/Limited w/ Bad-Boy Carveouts

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.

What Information Should I Prepare?

To streamline the process, please 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).

Financing Questionnaire & Inquiries

Complete our quick online questionnaire or email us your scenario. A member of our team will review your details and reach out shortly to discuss next steps.

Questionnaire
Email Scenario

Once we receive your loan request and documentation, a Park 49 representative will contact you to review your funding needs and structure a tailored financing solution.

* We do not extend financing in the following states: OR, UT, SC, MN, ND, NC, WA, CA, VT, IL, MI, DE & HI.