The only lender you will ever need to fund your real estate deals
Fast closings & less out of pocket costs with our unique loan programs
Why OCG Capital?
- Fast Closings In Two Weeks Or Less
- Automated Online Deal Submission System
- Unique Programs For Less Out of Pocket Costs
- Construction Loans & Rental Loans In 1 Place
- In House Funding
Get started today!
We help investors with short term construction loans and 30 year fixed rate rental loans for purchase or refinance!
We can get you pre-approved in as little as 2 days! Fill out our online borrower profile and start submitting deals through our online portal that go into underwriting today
Our loan programs
90% of Purchase Price / 100% of Renovation Loan up to 70% of After Repaired Market Value
- 11% interest only payments
- 2% points
- 12-month loan
- 3 – 6 months interest hold (refundable if not used)
- $1,995 loan fees apply
- BPO or appraisal required
- Fast closing in 2 weeks or less
- Renovation reimbursement program (you fund and get reimbursed with draw requests)
90% of Purchase Price / 100% of Renovation Loan up to 70% of After Repaired Market Value
- 11.5 interest only payments
- 2% points
- 12-month loan
- 3 – 6 months interest hold (refundable if not used)
- $1,995 loan fees apply
- BPO or appraisal required
- Fast closing in 2 weeks or less
- Renovation reimbursement program (you fund and get reimbursed with draw requests)
90% of Purchase Price / 100% of Renovation Loan up to 70% of After Repaired Market Value
- 12% interest only payments
- 2% – 3% points
- 12-month loan
- 6-month interest hold (refundable if not used)
- $1,995 – $2,495 loan fees apply
- BPO or appraisal required
- Fast closing in 2 weeks or less
- Renovation reimbursement program (you fund and get reimbursed with draw requests)
80% of Purchase Price / 100% of Renovation Loan up to 70% of After Repaired Market Value
- 12.5% interest only payments
- 2% – 3% points
- 12-month loan
- 6-month interest hold (refundable if not used)
- $1,995 – $2,495 loan fees apply
- BPO or appraisal required
- Fast closing in 2 weeks or less
- Renovation reimbursement program (you fund and get reimbursed with draw requests)
- Rates starting at 8%+ (varies depending upon credit, loan to value, debt service coverage ratio)
- Up to 80% of the Market Value (limited to the debt service coverage ratio, must be cash flow positive)
- 30 Year Fixed Rate Financing Available
- Refinances and cash out are welcome
- Options for Interest only periods for up to 10 years!
- Lent directly to your LLC
- 2% – 3% points
- $1995 – $2,495 loan fees apply
- Prepayment penalties apply
- 3 months seasoning required on refinances
- Average closing time 4 – 6 weeks
- Portfolio loans available
- Short Term Rentals okay (based on long term market rents)
- Rates starting at 4%+ (depending upon personal credit and income)
- Not secured by the property!
- 1 – 12 year repayment terms
- Submit your renovation bid through us to see if you qualify for $1k – $250k of additional funding
- This is a personal loan based on your personal credit to you personally not to your LLC
- Must be a property owner for construction projects
- Credit pull upon approval
- Multiple lenders competing for your business!
- 0% interest credit card offers for up to $15k loans available as well
- Financial consulting, renovation costs review and due diligence fee of $995, refunded if not approved
- Comes with free course on proper contractor management and protection procedures
Loan details
Loan Draw Process
Loan Requirements
Loan Draw Process
- Pay for a portion of the renovation
- Once that portion is complete, submit pictures & receipts through our online portal
- An inspection will be ordered immediately to confirm work is completed
- Funding will occur once the inspection is back (typically 3 – 4 business days via ACH or wire)
- Do this process draw by draw until the entire renovation is complete
Loan Requirements
- 650 minimum FICO score
- Non-owner-occupied properties only
- Interest reserves for loan term required
- Renovation reserves buffer of 10% of renovation required
- All states except AK, NV, ND, SD, MN, CA, OR, AZ, NY, NJ, UT, VT
- Loans to LLC’s not to individuals
- Loan size $75k – $1.5M (1-4 units) w/ minimum After Repaired Property Value of $100k
- No rural areas
Fast Closings
Our online submission systems goes directly to underwriting to close quickly on every loan.
Multiple Unique Loan Programs
Our loan programs help decrease your out of pocket costs so you can do more deals and be efficient with your capital.
In-House Funding
We can fund deals others will not with our in house funding where we are the final decision makers on the loans.
Get the free
masterclass here!
- Struggling to find good deals to invest in?
- Lack confidence to understand what a good deal looks like and how to analyze them?
- Not sure how to raise capital to fund your deals?
- Take our masterclass to learn how to find deals, analyze deals, and raise all the capital you need to create true financial freedom in your life.