Park 49 Capital Funds (P49CF1 & 2), supported by a multibillion-dollar fund, operates as a direct lender, providing assistance to owners of investment residential real estate.

Loans starting from $250K…

Up to $5MM

With our platform, we can seamlessly collaborate with our clients to swiftly evaluate their requests, design competitive terms, and expedite a prompt closing, ensuring efficient and streamlined processes.

Initial Quote

48 Hours

Average Closing

30 Days


Ground Up – Fix & Flip

Property Type: Non-Owner Occupied 1 to 4 Unit Residential

Loan Amount: $250,000 to $2,000,000

Loan To Value: 75% of Value, 60% if Not-Permitted

Loan To Construction: 100%

Loan To Cost: 80%

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: 75 to 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.

What Do I Need?

  • Download and complete the loan request form below.
  • Track record.
  • When applicable, a scope of work.
  • When applicable, a sunk cost analysis.
  • Personal Financial Statement.
  • When applicable, rent roll and current leases.
  • Corporate documents including EIN certificate.
  • If available, recent property valuation.

Upon receiving the loan request form and any relevant documents, a member of our team will promptly reach out to you. They will engage in a comprehensive discussion about your funding requirements, working collaboratively to devise a practical solution that aligns perfectly with your unique situation.