Ground-Up Construction
2128 Eagles Ridge Dr
Texas Hill Country
Private Capital for Investment Real Estate
How many deals could you do, with the right partner?
818 Capital is a direct lender and capital-markets partner across investment real estate — from rental homes and bridge to ground-up, multifamily, and commercial. We underwrite the project and the person, and close in 14–21 days.
Rental / DSCRBridgeGround-Up ConstructionMultifamilyCommercial
The 818 Difference
A partner, not a checklist.
For too long, private lending has been a gatekeeping exercise — capable operators handed capital structured to extract value, not create it. We leverage technology to streamline what was slow and opaque, while restoring the human element institutional lending lost.
01
Speed
AI triage means answers in minutes, not days. Most deals close in 14–21 days.
02
Flexibility
No tax returns for DSCR. No W-2s. We qualify on the property and the numbers.
03
Transparency
We explain every number, every option. No jargon. No surprises at closing.
04
Technology
Scenario Desk, Flip Lab, and STR Signal give you institutional-grade analysis instantly.
$100M+
Transaction experience
14–21
Days to close
48
States covered
43+
Deals closed
Built by Operators
Built by an operator who lived inside the deal.
Ravi Punn
Founder & Principal
43+ deals closed · 48 states · $75K–$25M+ loan sizes · ground-up through multifamily
Since 2006, Ravi has been directly involved in more than $100 million in real estate transactions — not as a spectator, but as an operator, builder, and investor.
He founded 818 after years on the borrower side — watching capable developers get turned away by lenders who could not see past a credit score. At 818, he applies an operator’s lens to every file: the economics, the exit, the market, and the person executing.
20+ yrs
In real estate
$100M+
Transaction experience
Operator
Developer · builder · investor
NY Metro
Based & active
Five Programs · One Relationship
We match every deal to the right product and structure.
DSCR / Rentalup to 80% LTV
Qualify on rental income alone — no tax returns, no W-2s. Long-term rentals, portfolios, and short-term rentals via STR Signal.
Fix & Flipup to 90% LTC
Short-term bridge for rehab projects — purchase plus renovation in one loan, with inspected draw schedules.
Ground-Upmilestone draws
Vertical construction for ground-up builds, tear-down/rebuilds, and build-to-rent. Funds release on a milestone draw schedule.
Bridgeup to 80% LTV
Transitional capital for acquisition, value-add, lease-up, and bridge-to-permanent — structured to a defined exit.
Commercial & Multifamily$1M–$25M+
5+ unit apartments, mixed-use, and commercial — bank, bridge, and agency permanent structures with a Sponsor Brief on every file.
One relationship across all five. We match every deal to the right product and structure — and place it for best execution across 30+ capital relationships. Indicative terms same/next day; rates subject to credit approval, market conditions, and program guidelines.
FUNDEDFix & Flip · Funded
Colleyville, TX — a full rebuild, financed end to end.
$1,380,000 · 9.75% · 90% LTC / 100% rehab · 65% ARV
A dated estate taken down to the framing and rebuilt into a luxury property — the kind of heavy value-add a credit box cannot see, underwritten on the project and the operator.
BEFORE
DURINGRecently Funded
Real deals. Real closings. Real numbers.
A sample of recent files closed by 818 — across markets, products, and structures. 43+ closed across 48 states.
Closed and in-execution transactions shown for illustration. Figures reflect the loan as structured; individual results vary. This is not a commitment to lend. All loans subject to credit approval.
AI-Powered Underwriting
Institutional-grade analysis, in seconds.
Scenario Desk
Submit any deal and get an AI-scored analysis — DSCR calculation, lender fit, and a term-sheet estimate in seconds.
Flip Lab
Fix-and-flip profitability across three ARV scenarios. Know your max offer and projected profit before you bid.
STR Signal
Normalizes Airbnb and VRBO income into a lender-ready DSCR — accounting for seasonality and occupancy.
Sponsor Brief
Submit a multifamily deal and receive a full underwriting memo: NOI, DSCR, debt yield, cap rate, and financing options.
How It Works
1
Submit a scenario
A quick form with your deal numbers. Under two minutes.
2
AI-powered analysis
Scenario Desk scores the deal, calculates DSCR, and matches programs.
3
Term sheet in 24 hours
A term sheet or restructuring options within one business day.
4
Close & fund
We manage application through funding. Most deals close in 14–21 days.
Why Operators Choose 818
Qualify on the asset, not your tax return.
DSCR & STR — no tax returns or W-2s
Keep your cash in the deal.
Fix & Flip — 90% LTC, 100% of rehab
An answer while the deal is still live.
Term sheet in 24 hrs — close in 14–21 days
How many deals could you do,
with the right partner?
Submit your scenario and get an AI-powered analysis with a term sheet in 24 hours.
Submit a scenario
818capitalpartners.com/scenario
(917) 993-9194 · deals@818capitalpartners.com
818capitalpartners.com/scenario
(917) 993-9194 · deals@818capitalpartners.com
Ravi Punn — Founder & Principal
818 Capital Partners · 110 Wall Street, New York, NY 10005
NMLS ID #2832335 · Equal Housing Opportunity · Not a commitment to lend.
818 Capital Partners · 110 Wall Street, New York, NY 10005
NMLS ID #2832335 · Equal Housing Opportunity · Not a commitment to lend.
Collateral Library
Download the guides
One-click PDFs for email attachments and offline sharing — the print-ready twins of this page.
Download all guides (52.5 MB)Brokers
DownloadBroker Partnership Guide
Best execution, locked fees, white-label, and the full broker pitch.
Brokers
DownloadBroker Onboarding Guide
Step-by-step portal setup, fee lock, and co-branding.
Brokers
DownloadDealroom Broker Walkthrough
Screenshot walkthrough of quote desk, pipeline, and marketing studio.
Brokers
DownloadProduct Guide
All five programs — leverage, terms, and program fit.
Investors
DownloadInvestor Financing Guide
Operator story, programs, funded deals, and how to get started.
Sample
DownloadLoan Proposal — Royal Palms
Flagship multifamily proposal — real deal, real numbers.