Boston-based · Serving MA investors

Financing that moves as fast as your next deal.

Hard money loans for fix & flip and new construction, plus DSCR rental loans — brokered through 316 Capital with straightforward terms and honest numbers.

Two ways to fund your deal

Whether you're flipping, building, or holding rentals — there's a loan structure that fits.

Fix & Flip · New Construction

Hard Money Loans

Short-term financing built for investors who move quickly.

  • Terms up to 24 months
  • Typical rates 9–10% — never above 11%
  • New construction from 25% down
  • Rehab budget held as construction draws
Buy & Hold · Cash-Out Refi

DSCR Rental Loans

Long-term rental financing that qualifies on the property's income — not yours.

  • Purchases with 20% down
  • Refinances up to 70% of as-is value, cash-out included
  • Qualify off market rents — no leases required
  • 30-year terms available
Free Tool

Deal Calculator

Run your own numbers before you ever talk to a lender. See down payment, monthly payment, cash to close, and reserves — instantly.

  • Fix & flip, new construction & DSCR modes
  • Built on real 316 Capital terms

Try the Calculator

Free Tool · For Landlords

Keep the Equity's DealHouse Ledger

Track your rent and expenses property by property, see your real profit, and know exactly what to set aside for taxes — right on your phone.

  • Money in, money out, profit — always up to date
  • Monthly tax set-aside estimate built in
  • Your numbers stay on your phone — nobody sees them but you

Open the Ledger

How it works

Three steps from first conversation to funded deal.

Run your numbers

Use the deal calculator to see if the deal pencils out — down payment, payments, cash to close.

Apply in minutes

Submit the full loan application online. Straightforward, no runaround.

Close and build

Get your term sheet, clear conditions, and get to the closing table.

Got a deal? Let's talk about it.

Send the address and the numbers. I'll tell you straight whether it works and what it costs — no sales pitch.

Start Your Application