Frequently Asked
Questions
Everything you need to know about our lending model, requirements, and how we close deals faster than the competition.
The Basics
What is a hard money loan?
A hard money loan — also called private money — is financing secured by real estate rather than by your income profile. Asset Point Capital is a direct lender, so approval turns on the property and the strength of your exit. That is what allows us to move on timelines banks simply cannot match.
How is this different from borrowing from a bank?
Banks underwrite the borrower. We underwrite the asset. That means less paperwork, shorter terms, and pricing that reflects speed and flexibility. Because we lend our own capital, you are dealing directly with the people who make the decision rather than waiting on a distant credit committee.
Can I qualify with less-than-perfect credit?
Often, yes. Since our loans are secured by real estate, a low score rarely disqualifies a borrower outright, though it can affect pricing. We also weigh your track record on prior projects and how clearly you have mapped out the exit. Send us the scenario and we will give you quick feedback.
Do you work with first-time investors?
We do. Asset Point Capital serves seasoned operators and first-time investors alike, and we structure loans differently for each. Newer borrowers should expect closer attention to the renovation budget, the contractor, and the exit strategy. Bring us a well-researched deal and experience alone will not disqualify you.
Can I use a hard money loan on my primary residence?
No. Our loans are secured by commercial and non-owner-occupied investment real estate — rentals, flips, small multifamily, development projects, and income-producing commercial property. Consumer-purpose financing on a home you live in falls outside our programs. If the property is an investment, though, we would like to see it.
Our Loan Programs
Do you lend on commercial property as well as residential?
Yes. Our loans are secured by commercial and investment real estate, including non-owner-occupied residential, income-producing property, and most commercial asset classes. Investors with mixed portfolios appreciate working with a single lender across property types rather than sourcing separate capital for every deal in the pipeline.
What is a bridge loan and when should I use one?
A bridge loan is short-term financing that carries you from acquisition to a defined exit — a sale, a refinance, or stabilization. Investors use them to move on auction properties, off-market deals, and distressed assets where a conventional 45-day underwriting timeline would cost them the transaction entirely.
Do you offer fix-and-flip or rehab financing?
Yes. Investment residential rehab lending is a core program. We fund the acquisition plus the renovation budget, releasing rehab dollars through a draw schedule as work is completed and verified. This structure keeps your cash working in the deal rather than tied up in materials and labor.
Can you finance ground-up construction or development?
We originate both construction and development loans. Funding is released against a draw schedule tied to project milestones, and underwriting looks closely at your budget, timeline, permitting status, and builder experience. Bring your plans and pro forma to the first conversation and we can give quick feedback.
What is a line of credit and how does it work for investors?
A line of credit gives active investors pre-approved capital they can draw against deal by deal, rather than re-underwriting each acquisition from scratch. It suits operators closing multiple transactions annually who need to present sellers with genuine speed and certainty of funds.
What is a small balance loan?
Small balance loans serve deals below the minimum most institutional lenders will consider — transactions banks find uneconomical to underwrite. We originate in this range because the deals are frequently excellent and simply overlooked. Loan amounts typically run from $100,000 to $5,000,000, depending on the property and structure.
Do you offer equity or joint venture participation?
For select transactions, we can discuss equity structures alongside or instead of straight debt. These are evaluated deal by deal and depend on the project, the sponsor’s experience, and the return profile. If a conventional loan structure does not fit your capital stack, bring us the scenario.
Client note in the PDF: This program is offline due to market conditions.
Our Loan Programs
Do you lend on commercial property as well as residential?
Yes. Our loans are secured by commercial and investment real estate, including non-owner-occupied residential, income-producing property, and most commercial asset classes. Investors with mixed portfolios appreciate working with a single lender across property types rather than sourcing separate capital for every deal in the pipeline.
What is a bridge loan and when should I use one?
A bridge loan is short-term financing that carries you from acquisition to a defined exit — a sale, a refinance, or stabilization. Investors use them to move on auction properties, off-market deals, and distressed assets where a conventional 45-day underwriting timeline would cost them the transaction entirely.
Do you offer fix-and-flip or rehab financing?
Yes. Investment residential rehab lending is a core program. We fund the acquisition plus the renovation budget, releasing rehab dollars through a draw schedule as work is completed and verified. This structure keeps your cash working in the deal rather than tied up in materials and labor.
Can you finance ground-up construction or development?
We originate both construction and development loans. Funding is released against a draw schedule tied to project milestones, and underwriting looks closely at your budget, timeline, permitting status, and builder experience. Bring your plans and pro forma to the first conversation and we can give quick feedback.
What is a line of credit and how does it work for investors?
A line of credit gives active investors pre-approved capital they can draw against deal by deal, rather than re-underwriting each acquisition from scratch. It suits operators closing multiple transactions annually who need to present sellers with genuine speed and certainty of funds.
What is a small balance loan?
Small balance loans serve deals below the minimum most institutional lenders will consider — transactions banks find uneconomical to underwrite. We originate in this range because the deals are frequently excellent and simply overlooked. Loan amounts typically run from $100,000 to $5,000,000, depending on the property and structure.
Do you offer equity or joint venture participation?
For select transactions, we can discuss equity structures alongside or instead of straight debt. These are evaluated deal by deal and depend on the project, the sponsor’s experience, and the return profile. If a conventional loan structure does not fit your capital stack, bring us the scenario.
Client note in the PDF: This program is offline due to market conditions.
Terms, Pricing, and Process
What interest rate should I expect?
Pricing depends on the deal: property type, location, loan-to-value, your experience, and credit. We quote rate, points, and fees together so you can evaluate total cost rather than a headline number. Every transaction is priced individually — we do not run your file through a rate sheet and hope it fits.
What loan-to-value ratio do you offer?
Loan-to-value depends on the asset, its condition, and your experience as an operator. Most transactions fall in the 65–80% range. On rehab and construction deals, we advance renovation dollars as well, and those funds are accounted for when we structure leverage on the project.
How long are your terms, and can I extend?
Bridge and rehab loans generally run six to twenty-four months with interest-only payments and a balloon at maturity. If a project runs long, we will consider an extension case by case. One advantage of a direct lender is that you are negotiating with the people who underwrote the deal.
How quickly can you close?
Fast closings are why most of our clients call. Once title work and the valuation are in hand, we can close in days rather than weeks. The timeline depends on how quickly third parties deliver their reports — but you will never wait on Asset Point Capital for a decision.
What do you need from me to get started?
Send the property address, the purchase price or your current basis, the renovation or development budget, your requested loan amount, and your intended exit. That is usually enough for preliminary feedback the same day. Formal underwriting follows with title, insurance, valuation, and entity documents.
What fees are involved?
Expect origination points, a valuation, title and escrow, and standard closing costs. Construction and rehab loans may carry draw fees, and extensions carry a fee as well. You will receive a written term sheet itemizing every charge before you commit, and we do not add costs after the fact.
Lending Area
What areas do you lend in?
The last answer in the PDF contains overlapping edits, so it is not completely clear. The readable wording appears to be:
We are headquartered in Jacksonville Beach and lend actively across Florida, where local market knowledge lets us underwrite quickly and accurately. Reach out with the address and we will tell you promptly whether it fits our programs.
There is also an overlapping note that appears to say:
Across the continental United States.
You should confirm with the client whether they lend only across Florida or throughout the continental United States before publishing this final answer.