Purchase Loans

How Do I Qualify for a Purchase Loan?

These loans offer fast funding solutions for investors looking to acquire new properties. Whether the strategy involves immediate rehabilitation for a quick flip or purchasing properties intended for rental, Cape Henry Capital provides a fast, turn-key financing solution for the purchase of your next real estate investment.

Underwriting Requirements

Leverage

• Up to 80% LTV - DSCR Rental Purchase

• Up to 90% LTC - Bridge with Renovation

Property Types

• Non-owner occupied or Vacant

• 1-4 unit residential

• Condo, Townhome, Single-Family, Du/Tri/Quad - Plex

Loan Amounts

• Minimum $100,000

• Maximum $5,000,000

Minimum Credit Score

• 600 - Bridge Purchase

• 660 - DSCR Rental Purchase

Available Terms

• 30 YR Fixed - DSCR Rental Purchase

• 5/1, 7/1, 10/1 ARM's - DSCR Rental Purchase

• 12 months - Fix & Flip Bridge Purchase

• Interest Only Periods

You Want to Flip It

You've found a property below market value that needs work. Your plan is to renovate it and sell it at a profit, and you need to close before someone else does. A Fix & Flip Bridge Purchase loan gets you to the closing table fast, funds up to 90% of your total project cost (purchase price plus renovation budget), and structures your payments as interest-only so your monthly carry stays lean while you're working on the property.

This is the entry point most new investors use, and for good reason. You're not committing to long-term financing on a property that isn't finished yet, you're using short-term capital to create value, then selling and moving on to the next deal. The minimum credit score is 600, and the loan term runs 12 months, giving you a clear runway to complete the renovation and close the sale.

If you've been sitting on the sidelines waiting for the right deal, this is the loan that lets you actually act on it.

Best for: Investors purchasing a property below market value with a renovation plan and a sale exit.

You Want to Rent It

You've found a property in a market with strong rental demand and your plan is to hold it, collecting monthly cash flow and building equity over time. A DSCR Rental Purchase loan qualifies you based on the rental income the property will generate, not your personal tax returns or W-2s. That means self-employed investors, LLC borrowers, and investors with multiple properties can all qualify without the documentation hurdles of conventional financing.

You can put as little as 20% down, lock in a 30-year fixed rate, or choose an ARM structure depending on your hold strategy. Once you close, the property starts working for you immediately, generating income, building equity, and expanding your portfolio without tying up your personal balance sheet.

This is long-term wealth building, funded the right way from day one.

Best for: Investors purchasing a rental property to hold, with income qualification based on the property's cash flow rather than personal income.

You Want to Fix It Up, Then Rent It

The BRRRR strategy, Buy, Rehab, Rent, Refinance, Repeat, is one of the most effective ways to build a rental portfolio with limited starting capital. You buy a distressed property using a Fix & Flip Bridge Purchase loan, renovate it to rent-ready condition, place a tenant, then refinance into a long-term DSCR Rental Property Loan based on the property's new value and rental income. Done right, you pull most or all of your original capital back out in the refinance and redeploy it into the next deal.

This is where the two loan types work together as a system, not just individual products. Cape Henry Capital finances both sides of the BRRRR equation, which means you're working with one lender who understands your full strategy from acquisition through stabilization.

Best for: Investors using the BRRRR strategy to build a rental portfolio by recycling capital through value-add acquisitions.

Still Figuring Out Your Strategy?

If you've been curious about investing but haven't pulled the trigger yet, that's exactly who this page is for. You don't need to have everything figured out before you reach out. Schedule a free consultation and we'll walk through the numbers on a specific deal or help you understand which loan structure fits the strategy you're building toward. No pressure, no jargon, just a straight conversation about what makes sense for where you are right now.

Which Purchase Loan Is Right for You?

Every investor starts somewhere. Whether you've been analyzing deals for months or you're under contract on your first property and need to move fast, the right purchase loan depends on one thing: what you plan to do with the property after you own it. Cape Henry Capital offers two distinct purchase loan paths, one built for investors who plan to flip or renovate, and one built for investors who plan to rent and hold. Here's how to know which one fits your strategy.

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