Questions? We have answers.
What services does Surestead Capital offer?
We provide private money funding for real estate investors: Fix & Flip, Buy & Hold (DSCR), Refinance, Commercial, New Construction, and Private Money loans. We also offer Proof of Funds Letters, Collateral DNA Reports, Debt Stack Reports, and exclusive high-equity off-market property leads so you’re not competing with everyone else in your area.
What are the benefits of private money lending?
Speed and flexibility for faster closings, terms tailored to the deal, options for properties banks won’t touch, and (for Fix & Flip) no minimum credit score requirement.
Are you a lender or a broker, and are there fees?
Surestead Capital operates as both a direct lender and a broker. If we don’t fund a deal in-house, we use our nationwide network of private lenders. Standard loans include a 3% broker fee. For 100% financing needs, we also offer joint venture (split-equity) options that can cover purchase, rehab, and closing costs.
Do you lend on owner-occupied or consumer residential loans?
No. We only fund or broker business-purpose, non-owner-occupied deals. We do not offer consumer mortgages.
Is there a minimum credit score requirement?
For Fix & Flip and DSCR loans, there is no minimum credit score requirement. We still review credit and background, and your score and overall borrowing profile will affect the rate, leverage, and terms you qualify for.
Do I need prior experience?
No experience is required for Fix & Flip loans. Experience can improve pricing, leverage, and speed, but first-time investors are welcome. At Surestead Capital, we know everyone starts somewhere; our goal is to help you scale and become an experienced, successful investor.
How do you decide the amount to lend?
We are asset-based. For Bridge/Fix & Flip, typical leverage is up to 90% of purchase and 100% of rehab, with a cap near 70% of after-repair value (ARV). Our Joint Venture program can cover up to 100% of purchase, rehab, and closing costs up to 70% ARV.
Can I get 100% financing?
Yes. Through our Joint Venture program we can cover up to 100% of purchase, rehab, and closing costs, up to 70% of ARV.
What does “True 100% Funding” mean?
It means we cover purchase, rehab, and closing costs up to 70% ARV under a Joint Venture agreement between Surestead Capital and the investor.
What’s the Joint Venture (JV) Program?
Our JV Program is for contractors of any trade who want to grow beyond working for investors and start building wealth as investor-partners. With Surestead Capital as your JV partner, you earn your regular contractor fee and also share in the profits when the property sells. How it works: bring a property under contract (or purchase our high-equity, off-market leads), we underwrite together, agree on scope, budget, roles, and profit split before closing, you handle the rehab and cover monthly interest-only payments, and when it sells the profits are split exactly as agreed. No minimum credit score or experience required.
Who qualifies for the JV Program?
Contractors and investors with deals that pencil. No minimum credit score or prior experience required. If you are motivated, reliable, and ready to grow, we want to review your deal.
How do I get started with a JV deal?
Submit a deal under contract or purchase high-equity, off-market leads from our Services page. We analyze the numbers with you, agree on terms, you complete the rehab while making interest-only payments, and profits are distributed as agreed at sale.
Why do contractors choose Surestead Capital?
Because it’s a real partnership. No minimum credit or experience for JV, a clear profit-sharing structure, transparent budgets and scopes, and a path to long-term wealth by becoming a contractor-investor instead of only a contractor-for-hire.
How long does it take to close a deal?
With complete documents, as little as 14 business days. We recommend budgeting about 30 days to allow for third-party reports and faster funding if everything arrives promptly.
What does “FHA Cap” mean?
It’s the Federal Housing Administration’s maximum loan limit for a given county. You can look up local limits on HUD’s FHA Mortgage Limits page.
What does ARV mean?
After-Repair Value: the estimated market value after renovations are complete.
What does “asset-based lending” mean?
We focus primarily on the property and project metrics rather than personal credit. Your ability to repay matters, but the collateral and numbers drive the decision.
What are your loan terms?
Loan amounts: typically $30,000 up to the local FHA cap, based on location and structure.
Rates: starting around 7% interest, with 0–3% origination, and no prepayment penalties.
Terms: 6–24 months for Fix & Flip; up to 30 years for Buy-and-Hold or Refinance.
Notes: one active loan is approved per new borrower until a successful track record is established.
Do I need an appraisal, and what does it cost?
Yes. An appraisal or valuation is required before closing. Typical costs range from $400 to $700 depending on location and property type.
Do I need a licensed and insured contractor bid?
In most cases yes. We require an itemized bid from a licensed and insured contractor to confirm scope and budget.
Is my information kept confidential?
Yes. Your information is kept confidential and handled with professionalism, transparency, and respect.
Compliance notes
Business-purpose loans only. Non-owner-occupied properties. Programs, leverage, and pricing are subject to underwriting, property, market, and state requirements. In licensing-required states, loans are made or brokered by appropriately licensed parties. This is not an offer to extend consumer credit; terms and availability may change without notice.