Investment real estate
financing made simple.
818 Capital provides investment property financing — helping investors execute profitable DSCR rentals, fix-and-flip, short-term rental, and multifamily deals with speed, certainty, and AI-powered analysis.
4 Core Loan Programs
24hr
Term Sheet Turnaround
14-21
Days to Close
12+
Capital Programs
4
Product Lanes
Loan Programs
Four specialized programs. One relationship. We match every deal to the right product, lender, and structure.
DSCR / Rental Loans
Qualify on rental income alone. No tax returns, no W-2s. 1-4 units, portfolios, and STR properties.
Up to 80% LTV
Fix & Flip
Short-term bridge financing for rehab projects. Purchase + renovation in one loan with draw schedules.
Up to 90% LTC
STR Loans
Short-term rental financing using Airbnb and VRBO income. We normalize your revenue for DSCR.
STR income accepted
Multifamily
5+ unit apartments, mixed-use, and small commercial. Full underwriting with Sponsor Brief analysis.
$500K - $10M+
How It Works
From scenario to funded — a streamlined process powered by technology.
Submit Your Scenario
Fill out a quick form with your deal numbers. Takes under 2 minutes.
AI-Powered Analysis
Our Scenario Desk scores your deal, calculates DSCR, and matches lenders instantly.
Term Sheet in 24 Hours
We send you a term sheet or restructuring options within one business day.
Close & Fund
We manage the process from application through funding. Most deals close in 14-21 days.
Why 818 Capital
We combine institutional lending relationships with AI-powered analysis to deliver faster, more certain outcomes for real estate investors and brokers.
Speed
AI triage means answers in minutes, not days. Most deals close in 14-21 days.
Flexibility
No tax returns for DSCR. No W-2s. We qualify on the property and the numbers.
Transparency
We explain every number, every option. No jargon. No surprises at closing.
Technology
Our AI Scenario Desk, Flip Lab, and STR Signal give you institutional-grade analysis instantly.
Our Commitment
Straightforward Communication
Every deal gets a clear, honest assessment. If it works, we move fast. If it doesn't, we tell you what to fix.
Ready to Run Your Numbers?
Submit your deal scenario and get an AI-powered analysis with lender matches.