The question isn't how many deals you've done — it's how many you could do, with the right partner.
818 Capital is a direct investment property lender. We fund DSCR rentals, fix-and-flip, short-term rental, and multifamily deals with speed, certainty, and AI-powered underwriting — no middlemen, no runaround.
Fund your next deal in 14–21 days.
Direct Lender. 4 Programs. One Call.
$100M+
Transaction Experience
14-21
Days to Close
12+
Capital Programs
48 States
Lending Coverage
Loan Programs
Four specialized programs. One relationship. We match every deal to the right product, lender, and structure.
DSCR / Rental Loans
Qualify on rental income alone. No tax returns, no W-2s. 1-4 units, portfolios, and STR properties.
Up to 80% LTV
Fix & Flip
Short-term bridge financing for rehab projects. Purchase + renovation in one loan with draw schedules.
Up to 90% LTC
STR Loans
Short-term rental financing using Airbnb and VRBO income. We normalize your revenue for DSCR.
STR income accepted
Multifamily
5+ unit apartments, mixed-use, and small commercial. Full underwriting with Sponsor Brief analysis.
$500K - $10M+
How It Works
From scenario to funded — a streamlined process powered by technology.
Submit Your Scenario
Fill out a quick form with your deal numbers. Takes under 2 minutes.
AI-Powered Analysis
Our Scenario Desk scores your deal, calculates DSCR, and matches lenders instantly.
Term Sheet in 24 Hours
We send you a term sheet or restructuring options within one business day.
Close & Fund
We manage the process from application through funding. Most deals close in 14-21 days.
Free Download
The 2026 DSCR
Investor Playbook
Requirements, rate comparisons, and deal structuring strategies across 12+ capital programs. 34 pages of actionable intel — no fluff.
818 Capital Partners
The 2026
DSCR Investor
Playbook
Requirements. Rates. Strategies.
12+
Lenders
9
Chapters
4
Studies
Trusted by Investors Nationwide
What Our Borrowers Say
“Closed on a 4-unit rental in 16 days. No tax returns, no W-2s, no bank statements. I sent the deal Friday and had a term sheet Monday morning. This is how lending should work.”
Marcus Chen
DSCR Investor — 12 Units
Dallas, TX
“90% LTC and 100% rehab financed on my DC flip. I brought less than $30K to close on a $525K deal. The draw process was seamless — funds released within 48 hours of inspection.”
Danielle Torres
Fix & Flip Investor
Washington, DC
“I send all my investor clients to 818 Capital. The AI scenario tool tells me in 30 seconds whether a deal works before I waste my client's time. That kind of speed makes me look like a genius.”
James Okafor
Real Estate Broker
Atlanta, GA
“They used my Airbnb income to qualify me — no other lender would touch it. Pulled 12 months of platform statements, ran the numbers through STR Signal, and I had a term sheet the next day.”
Sarah Kim
STR Portfolio Owner
Nashville, TN
“This is my fourth deal with 818 and each one closes faster than the last. They know my file, they know my contractors, and they don't make me re-prove myself every time. That's loyalty you can't buy.”
Robert Vasquez
Repeat Flip Investor — 11 Flips
Fort Worth, TX
“Closed a 33-unit apartment building with 818. The Sponsor Brief they generated was more thorough than what my previous lender's analyst produced. Underwriting was clean and the communication was constant.”
Priya Patel
Multifamily Investor
Fort Myers, FL
“My CPA told me I'd never qualify for a rental loan with my tax returns. 818 used the rental income to qualify the deal — closed at 75% LTV with a 30-year term. No income docs whatsoever.”
Michael Brooks
Self-Employed Investor
Long Island, NY
“I was losing investor deals because I couldn't offer DSCR or bridge products. Since partnering with 818, I've closed 9 investor loans I would have turned away. The comp structure is transparent and my clients love the speed.”
Christina Hayes
Mortgage Loan Officer
Miami, FL
“Bought a cabin in Pigeon Forge with bridge money, rehabbed it, leased it on Airbnb, then refinanced into a DSCR loan — all through 818. One relationship, two products, zero friction.”
David Nguyen
BRRRR Strategy Investor
Pigeon Forge, TN
“I was terrified of my first investment property purchase. 818 walked me through every number, explained every fee, and told me exactly what to expect at closing. They didn't oversell — they educated. That earned my trust.”
Angela Moretti
First-Time Investor
St. Petersburg, FL
27 Deals Closed
Recently Funded
Real deals closed by 818 Capital Partners. Hover any deal for an AI-powered borrower ROI analysis.
Why 818 Capital
We combine institutional lending relationships with AI-powered analysis to deliver faster, more certain outcomes for real estate investors and brokers.
Speed
AI triage means answers in minutes, not days. Most deals close in 14-21 days.
Flexibility
No tax returns for DSCR. No W-2s. We qualify on the property and the numbers.
Transparency
We explain every number, every option. No jargon. No surprises at closing.
Technology
Our AI Scenario Desk, Flip Lab, and STR Signal give you institutional-grade analysis instantly.
Our Commitment
Straightforward Communication
Every deal gets a clear, honest assessment. If it works, we move fast. If it doesn't, we tell you what to fix.
Free Download
The 2026 DSCR Investor Playbook
DSCR requirements, rate comparisons, and deal structuring strategies — from a direct lender that closes in 14 days.
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Ready to Run Your Numbers?
Submit your deal scenario and get an AI-powered analysis with lender matches.