Frequently Asked Questions
What types of loans does QuickLend Capital offer?
QuickLend Capital specializes in private direct lending for 1–4 unit residential investment properties. Our loan products include Fix & Flip loans, DSCR rental loans, ground-up construction loans, and portfolio rental loans.
Who can apply for a loan?
We work with real estate investors, developers, and brokers nationwide (excluding CA, ND, SD, VT, and NH). Whether you’re a first-time investor or a seasoned professional, our team is ready to assist.
Do you lend to owner-occupied properties?
No, we only finance non-owner-occupied investment properties.
How fast can I close?
With our streamlined underwriting and funding process, deals can close in as little as 5–10 business days, depending on the complexity and completeness of the file.
What are your minimum borrower requirements?
We generally require a minimum FICO score of 660 and a strong exit strategy. Requirements may vary depending on the loan product, and exceptions can be made based on investor experience and the quality of the asset.
Do I need to provide income verification?
For DSCR and other investment loans, we focus on the property's cash flow and your investment experience rather than traditional income documentation.
What is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan is underwritten based on the property's ability to cover its debt obligations through rental income. It's ideal for long-term buy-and-hold investors.
Can brokers submit deals?
Absolutely. We welcome broker submissions and offer competitive compensation on closed deals. Contact us to become an approved broker partner.
Do you require an appraisal?
Yes, most loans require a third-party appraisal. In some cases, we can offer expedited valuation alternatives.
Is QuickLend Capital a direct lender?
Yes, we are a direct private lender, giving you access to fast decisions and flexible capital solutions without the red tape of traditional banks.
What types of properties are eligible?
Eligible properties include single-family homes, duplexes, triplexes, and fourplexes. We also finance new construction and portfolio rental acquisitions.
Can I refinance an existing loan with you?
Yes. We offer both rate-and-term and cash-out refinance options for investment properties.
Do you lend to LLCs or individuals?
We exclusively lend to entities such as LLCs or corporations. If you’re applying as an individual, we recommend forming an entity prior to funding.
Start your loan application today and get connected with a lending specialist.
The information provided in this FAQ is for general informational purposes only and does not constitute financial or legal advice. Loan terms, eligibility, and approvals are subject to change based on underwriting and lender discretion. Please contact QuickLend Capital directly for personalized guidance.