Frequently Asked Questions
Here you’ll find many of the questions we receive each day
Typical Questions
We help part-time investors, large landlords, developers and real estate funds, all with the same passion for success
Anyone buying properties at a discount that need repairs or rehab our a typical customer for us.
Yes, we specialize in fix-and-flip lending that includes Repair Costs. We will lend on the purchase and usually 100% of the rehab costs.
Our borrowers request a draw. Within 48 hours, a 3rd party inspector goes to the property to see the work completed. After the inspection, the funds are released and wired to the borrowers account. There is a typically a $175 charge for each draw that is deducted from the draw amount.
A Rental Loan is a long term loan on an investment property. It is underwritten primarily against the property value and the cash flow of the property itself.
Hard money lenders focus on the value of the collateral property rather than the borrower’s credit score, so it’s possible to get a hard money loan with bad credit. A bad credit score, however, can result in a borrower paying a higher interest rate as compared to a borrower with a good credit score.
Yes, it’s possible to refinance a hard money loan with the same or another hard money lender or traditional lender.
This loan is tailored towards both small and larger operators who have one or more rental properties that are successfully producing cash flows sufficient to pay a mortgage. We offer both purchase and refinancing options.
Probably not. We have clients that are real estate funds, family offices and national investment platforms. We have completed loans over $30M and have lent over $100M to a single client.
Probably not. We pride ourselves on being able to work with all investors and enjoy supporting people as they grow. We have different loans and divisions that specialize in particular loans and investor types. So the short answer is if you already own at least one investment property we will work with you.
Each of our loans have slightly different requirements. We recommend reviewing the FAQs by each loan type. In general, we are going to be more flexible than a bank, but still do have requirements that are different than a local hard money lender.
The CH Capital Group evaluates Fix and Flip Loans with a focus on your real estate expertise and practical considerations, and will require documents such as the Sales Contract, Construction Budget, 1-month bank statements, an REO Schedule, and your LLC Operating Agreement for a comprehensive assessment.
Our Fix and Flip loans are available for a variety of property types, including Single Family Residences (SFR), 2-4 Unit Properties, Condominiums, and Townhouses, providing flexible financing options for diverse real estate investments.
We offer loan amounts ranging from $100,000 to $3,000,000, ensuring flexible financing solutions to meet your investment needs and support projects of varying scales.
Our Fix and Flip loans are exclusively available to real estate companies, including LLCs, Limited and General Partnerships, Corporations, and Revocable Trusts, ensuring tailored financial solutions for established entities in the real estate sector.
The CH Capital Group offers lending services across all states and the District of Columbia, with the exception of Alaska, Nevada, North Dakota, and South Dakota, ensuring broad coverage for your real estate financing needs0,000 to $3,000,000, ensuring flexible financing solutions to meet your investment needs and support projects of varying scales.
We have an online streamlined process, but here is a list of the documents we will need over time.
- 1-month bank statement
- A list of properties you currently own (a
- REO Schedule)
- No Tax Returns Required
- Lease(s) – (if currently rented)
- Sales Contract (on purchase)
- LLC Operating Agreement or Articles of Corporations
- Driver’s License
Other documents and/or materials may be requested based on the individual borrower’s circumstances and collateral.
A Debt Service Coverage Ratio (DSCR) greater than 1.0 indicates that the property’s rental income exceeds its monthly mortgage payment, suggesting that the investment generates sufficient cash flow to cover its loan obligations.
The seasoning requirements:
- 3-month seasoning from your purchase date
- Delayed Financing are permitted
The following property types are eligible for our rental loans:
- Single Family Residence (SFR)
- 2-4 Unit Properties
- Townhouse
- 2 acres maximum
- Condos (certain restrictions apply)
At The CH Capital Group, we’re dedicated to empowering real estate investors to unlock their financial potential. As a family-owned company with over 20 years of experience in the construction and investment industries, we’ve successfully facilitated hundreds of investment deals, helping our clients build and secure their financial legacies.
We are a specialized mortgage lender. We only lend to real estate investors and don’t provide any conventional loans like Quicken or Wells Fargo. We 100% focus on investors and the unique needs that they have in running their business.
We don’t think so. We are a direct national non-bank lender that specializes in lending to professional real estate investors. We are cheaper than hard money and a little more expensive than a bank. We are easier than a bank and ask for less documents, but are cheaper than hard money since we ask for a few more documents.
A Fix and Flip loan is a short-term mortgage used to acquire a property quickly that includes financing the repairs. Generally they are 12-24 month loans used until the the property is resold or refinanced.
Yes, and it depends on the loan type. In general, we require a 680 credit score.
Yes, please give us a call and one of your loan advisors will be able to help
We contract with independent national servicers to collect payments. All of our loans are on ACH for your monthly payments.
Each type of loan have different documents we might need. We try to only ask for documents we really need and keep it simple. You can look at each loan program page to see what you need.
Sorry, currently we only work with investors that have at least completed 1 investment in the past. We typically recommend a local lender for your first investment.
We offering very competitive leverage, but do not offer 100% financing. We suggest looking for a partner or a local private lender.
The CH Capital Group excels in offering comprehensive loans that bundle purchase and repair expenses into a single, streamlined financing solution, simplifying the funding process for your real estate projects.
The CH Capital Group specializes in providing commercial loans exclusively for non-owner occupied investment properties, ensuring focused financing solutions for real estate investors and developers
Our Fix and Flip loans are accessible to U.S. Citizens, Canadian Citizens, and Permanent Resident Aliens, providing diverse financing options for qualified borrowers across these categories. suggest looking for a partner or a local private lender.
The CH Capital Group provides competitive rates for Fix and Flip loans tailored to each property’s specifics and borrower’s profile; contact us today to get detailed information and personalized rate options.
No, there is no prepayment penalty on our Fix and Flip loans.
The CH Capital Group rental loans have a minimum loan amount of $70K.
All of our loans are made to a Business Entity and are personally guaranteed. The following type of companies that are allowed: LLCs, Limited Partnerships, General Partnerships, Corporations, Revocable Trusts
The following are the lease requirements:
- A lease with no less than 3 months remaining at time of close
- For Unleased properties we can use the market rent from the appraisal
No. The CH Capital Group provides commercial only loans that are non-owner occupied (investment) properties.
To request a payoff, please request directly from our servicer that has been sending statements. You may also contact contact@thechcapitalgroup.com with any question