Rental Loans
Financing Built Around Your Long-Term Strategy
Whether you are purchasing your first rental or expanding an established portfolio, our Rental Loans help you acquire and/or renovate, then transition into long-term financing. Every loan is personally reviewed by an experienced real estate investor who understands the strategy behind building lasting wealth through real estate.
Built for Investors Focused on
Long-Term Wealth
A Rental Loan provides short-term financing to acquire and/or renovate an investment property before transitioning into long-term financing. Whether you are buying a turnkey rental or improving a property before refinancing, we help you bridge the gap to long-term ownership.
First-Time Rental Investors
Purchase your first investment property and begin building long-term wealth through rental real estate. We guide you through the financing process and help you buy your first property with confidence.
BRRRR & Value-Add Investors
Create value through thoughtful improvements before transitioning into permanent financing. Our program is designed to support investors executing BRRRR and other value-add strategies.
Portfolio Builders
Built for experienced investors focused on growing and managing a portfolio of long-term rental properties.
A Lending Partner for the Long Term
Every lender provides capital. We believe the lending experience should provide more: a responsive, knowledgeable partner who understands your long-term investment strategy.
Preserve More Capital
Finance up to 100% of purchase and 100% of renovation costs up to 70% ARV on qualifying projects, keeping more cash available for future opportunities.
Local Market Expertise
We lend where our experience gives us an edge. Years of investing and lending in Maryland and South-Central Pennsylvania provide local insight that goes beyond comparable sales and spreadsheets.
Keep Your Project Moving
Our streamlined draw process and mobile draw management app make it easy to request funds and keep renovations moving toward stabilization. Approved funds release within 24 hours.
Work With a Real Investor
Every loan is personally reviewed by an experienced real estate investor who knows the realities of buying, renovating, financing, and managing investment property.
Simple, Transparent Loan Terms
Built to give investors the flexibility to complete renovations, stabilize properties, and prepare for long-term financing.
Initial Term
Extension options are available when you need additional time.
Purchase & Rehab
Qualifying projects may be eligible for 100% financing up to 70% ARV.
Up to 70% ARV
Preserve capital for future acquisitions and new opportunities.
Fast Draw Funding
Submit progress photos through our draw management app. Approved funds release fast.
No Broker Fees
Direct private lender. Your loan stays in-house from application to payoff.
No Prepayment Penalty
Transition into long-term financing whenever you are ready.
From Opportunity to Outcome
Baltimore, MD · Single-Family to 3-Unit
Not every opportunity fits inside a conventional bank's guidelines. This Baltimore property had been neglected for years and required a complete gut renovation before it could be transformed into a three-unit rental. We looked beyond its current condition to evaluate the opportunity, the borrower's plan, and the property's long-term potential.
Projects like this do not fit neatly inside a conventional lending box. We evaluate the strength of the renovation plan, the borrower, and the property's long-term potential, not simply its current condition. That is how we approach every loan.
A Better Draw Experience
Our streamlined draw process makes it easy to request funds, document completed work, and keep your renovation moving along every step of the way.
Upload & Submit
Use the Sitewire app to upload photos and submit your draw request right from the job site.
Review & Approve
Our team reviews your work against the agreed scope and draw schedule before approving your draw.
Receive Your Funds
Once approved, funds release via ACH within 24 hours, keeping your renovation on schedule.
See Your Rate
Answer a few questions about your project, experience, and lending profile to view your estimated loan terms.
Your Estimated Loan Terms
Based on the information you provided, you would qualify for our standard Fix to Rent loan terms: a 6-month initial term with financing of up to 100% of the purchase price and rehab costs on qualifying projects, not to exceed 70% of the after-repair value (ARV).
How Does This Compare?
Hard money loans commonly range from 10%-14% interest and 2-4 points, depending on the project, collateral, and borrower profile. We believe competitive pricing is only part of the equation. Equally important is working with a lending partner who understands your long-term investment strategy, including the transition from renovation to long-term ownership.
This estimate is provided for informational purposes only and is not a commitment to lend. Shaun will personally review your project and confirm the final loan structure and terms.
Lock It In With ShaunAll loans are subject to underwriting approval. Final loan terms are based on the specific project, collateral, and borrower profile.
From Application to Funded in 3 Steps
Apply online and work directly with the Monument City Capital team from your first conversation through your final payoff.
Apply
Complete a short application and tell us about your project.
Get Your Term Sheet
We review your opportunity in-house and provide a proposed structure, often the same business day.
Close & Get to Work
We coordinate with your title company to fund the loan the day of settlement.
Calculate Your
Rental Cash Flow
Enter a few key numbers to estimate the monthly cash flow of your next rental property after refinancing into long-term financing.
Review My Deal With ShaunA quick screen for potential rental opportunities, based on a 30-year amortized refinance. Actual results vary with financing terms, operating expenses, rental income, vacancy, and market conditions. Not a commitment to lend. This tool should not be relied upon as the sole basis for an investment decision. For a full cash-flow analysis, book a call with Shaun.
Ready to Build Your Rental Portfolio?
Whether you are purchasing your first rental or expanding an established portfolio, we would love the opportunity to earn your business. Tell us about your next deal.