Financing for Real Estate Experts
Uncapco is a hybrid mortgage lender pairing broker flexibility with direct lender structure. Rooted in active investor experience, we deliver the certainty, speed, and loan solutions today’s market demands.
Loan programs
Investor-Focused Lending,
Built for Every Stage
Rental
Short- and long-term rental financing.
Bridge
Short-term capital to buy, renovate, and reposition.
Construction
Ground-up financing for your next build.
Multifamily
Financing for 5+ unit properties.
Featured Transactions
A look at how we structure and deploy capital for real estate investors nationwide.
Single-Family Renovation
HIAcquisition and renovation loan for a single-family residence with a $554,840 renovation budget. Sized off the after-repair value rather than the purchase price, so one loan funded both the purchase and the renovation.
Single-Family Renovation
INPurchase and renovation financing for a single-family flip. The loan covered 90% of the purchase price plus the $161,989 renovation budget, keeping the investor's cash to close low.
New Construction
HIGround-up construction loan for a new residence on a cleared lot. Sized at 70% of the completed value, with a construction holdback to fund draws and an interest reserve to cover payments during the build.
14-Unit Rental Portfolio
FLCash-out refinance of a 14-unit rental portfolio. Structured as five separate 30-year DSCR loans, one per building, each sized at 70–75% LTV to unlock equity across the portfolio.
Single-Family Rental
VACash-out refinance on a single-family rental. A 30-year DSCR loan at 75% LTV, qualified on the property's rental income rather than the borrower's personal income.
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
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uncapco.com | Uncapco Financial, LLC | Equal Housing Lender | NMLS ID: 2826586 | www.nmlsconsumeraccess.org
All loans are for business purposes only and are intended for non-owner-occupied properties. This is not a commitment to lend. All offers of credit are subject to property due diligence, underwriting, and final approval. Rates, terms, and program guidelines are based on borrower qualifications, LTV, and property factors, and are subject to change without notice. Not all borrowers will qualify for the lowest advertised rates. Financing is not available in all states.