Financing for Real Estate Experts

Uncapco is a hybrid mortgage lender that blends broker flexibility with direct lender structure, shaped by active investor experience, backed by a committed investment group, and focused on real-market understanding to drive successful outcomes.

Loan programs

Investor-Focused Lending,

Built for Every Stage

DSCR loans

5.75% Starting Rate

Unlock the advantages of a 30-year mortgage with low rates and without the hassle of DTI requirements or personal income verification. Tailored for real estate investors and ideal for executing the BRRRR strategy.

Short Term Rental LoanS

6.99% Starting Rate

Are other lenders not understanding your vacation rental properties? Having trouble qualifying for a DSCR loan? At Uncapco, we specialize in financing Airbnb and vacation rentals. We use short-term rental income and AirDNA data to help you get the funding you need.

Fix and Flip Loans

9.75% Starting Rate

Turn diamonds in the rough into polished profits with up to 100% financing for experienced investors. Our streamlined process and comprehensive lending solutions empower you to transform distressed properties into desirable homes – and maximize your returns along the way.

Bridge Lending

9.99% Starting Rate

Stop worrying about maturing loan deadlines or slow bank approvals. Our Transitional Bridge provides the fast, flexible capital you need to secure stabilized investment properties, bridge a financing gap, or hold an asset for sale.

New construction loans

10.25% Starting Rate

Take your investment projects to the next level with fast, efficient, and competitively priced new construction financing. Build with confidence through a streamlined process designed to keep your projects – and your business – moving forward.

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Multi-Family Loans

9.75% Starting Rate

Superpower your multifamily business with Uncapco Financial. We provide financing on 5+ unit apartment buildings with loans up to $20M. Offering bridge loans, renovation/value-add financing, new construction, and long-term loans — we deliver full flexibility for multifamily investors.

Who Uncapco Is Perfect For

ExperiEnced fix and flippers

brokers and mortgage lenders

Fist time flippers

home builders

Institutional investors

landlords

TESTIMONIALS

What others are saying

"Closed faster than expected"

"When another lender stalled and started changing terms, Uncapco stepped in and handled everything quickly and professionally. We were able to close just 12 days after submitting the application, which kept the deal on track." - Judson Smith

"A lender that actually delivers"

"I’ve worked with the Uncapco team on multiple deals, and every closing has been smooth and dependable. Their process allows me to focus on sourcing opportunities and managing renovations instead of worrying about financing." - David Chavarria

"Consistently competitive terms"

"Uncapco always takes the time to structure my loans the right way. They consistently come back with strong rates and terms that make my projects work!" - Vienna Lin

"A true financing partner"

"The flexibility and creativity in Uncapco’s funding solutions have made a huge difference for my business. Being able to pass those advantages on to my clients has strengthened my relationships and helped grow my pipeline." - Broker Omar Sanders