Investor Lending
DSCR & rental portfolios · Fix & flip · Short-term rentals · Bridge & construction
Open · funding now
Direct private capital
for real-estate operators.
818 Capital Partners is a private non-bank lender in New York, NY (NMLS 2832335). Bring the financeable real-estate situation that does not fit a standard box. We underwrite the asset, sponsor, economics and exit, then determine the structure. Direct lender and capital-markets desk. Business-purpose only.
We don't reject a transaction simply because the asset or business plan falls outside a standard loan program. We underwrite the real estate, sponsor, economics and exit first. If there's real value and a credible path to repayment, we'll look for the right capital structure.
Commercial Real Estate& Capital Markets
Multifamily · Hospitality · Senior housing & assisted living · Car washes · Industrial, retail & mixed-use
NMLS2832335
NYNew York
DeskDirect + capital markets
ScopeBusiness-purpose only
Recently funded
City + state only
Call (917) 993-9194
818 Capital Partners · NMLS #2832335 · Equal Housing Lender.
Private non-bank lender · New York, NY · NMLS 2832335
The question isn't how many deals you've done.It's how many you could do with the right partner.
818 Capital Partners is a private non-bank lender in New York, NY (NMLS 2832335). Bring the financeable real-estate situation that does not fit a standard box. We underwrite the asset, sponsor, economics and exit, then determine the structure. Direct lender and capital-markets desk. Business-purpose only.
We don't reject a transaction simply because the asset or business plan falls outside a standard loan program. We underwrite the real estate, sponsor, economics and exit first. If there's real value and a credible path to repayment, we'll look for the right capital structure.
- NMLS
- 2832335
- Office
- New York, NY
- Scope
- Business-purpose only
Rental & residential
Investor Lending
Financing for your next rental, renovation or residential build.
DSCR & rental portfolios · Fix & flip · Short-term rentals · Bridge & construction
Commercial & specialty
Commercial Real Estate& Capital Markets
Capital structured around the asset, the operator and the plan.
Multifamily · Hospitality · Senior housing & assisted living · Car washes · Industrial, retail & mixed-use
Investor Lending
Start with your next investment.
Explore financing for rental income, renovation and residential development, then build an indicative scenario.
Financing apartments or commercial property? Explore Commercial Real Estate & Capital Markets.
Get indicative termsScenario desk
What are you financing?
The 818 system
From first number to wire, without starting over.
The public tools and the Dealroom are one journey. Each answer makes the next step shorter.
DSCR programs & thresholds
Our best pricing. Full access to every program type. This is where you want to be.
Qualifies for our standard programs. Slight rate premium of 12.5–37.5 bps above the 1.25+ tier.
Property does not fully cover PITI. Requires 25–30% down, 700+ credit, 9–12 mo reserves.
DSCR not calculated. Qualification on credit (720+), LTV (75% max), and reserves alone.
01 · Price
One scenario, multiple structures.
Compare DSCR, bridge, STR, and value-add structures without entering the file again.
Scenario retained Live status
02 · Underwrite
AI speed. Human credit judgment.
The system calculates leverage and fit; an operator reviews the project, sponsor, and exit.
Scenario retained Live status
03 · Close
Every party sees the same file.
Borrower, broker, title, insurance, and underwriting move against one live closing record.
Scenario retained Live status
Programs
Compare the structure, not the marketing language.
DSCR / RentalUp to 80% LTV
Qualify on rental income, not personal tax returns. 30-year fixed, close in an LLC.
View programFix & FlipUp to 90% LTC
Up to 90% of cost and 100% of rehab. Draw mechanics built for active operators.
View programShort-Term RentalUp to 75% LTV
AirDNA and actuals underwriting. We finance Airbnb and VRBO income.
View programBridgeUp to 80% LTV
Interest-only short-term capital for repositioning, value-add, and late 1031 rescues.
View programGround-Up ConstructionUp to 85% LTC
Spec and build-to-rent construction with staged draws and ARV-based leverage.
View program5+ Unit MultifamilyUp to 80% LTV
NOI and rent-roll underwriting for 5+ unit assets, bridge to permanent executions.
View programCommercialUp to 75% LTV
Retail, industrial flex, hospitality, and larger transitional multifamily private credit.
View programCasework · funded
Real deals. Real terms. Real closings.
$100M+Transaction experience
~8 daysFastest close
6.32%Lowest rate funded
Voices · From the desk
06 / 06I have rarely seen a company go as far above and beyond the call of duty as you and your team have… The level of effort, responsiveness, and commitment you have demonstrated has been exceptional.
Lisa R.
Borrower · Commercial note specialist
Portal
He’s one of the best lenders I’ve worked with, and I highly recommend reaching out to him.
Hari Y.
Repeat rental investor · Kansas City metro
Text
It’s been a pleasure working with you. I will absolutely be recommending you to my investors!
Patricia R.
Investment-sales partner · Texas
Email
You guys’ pricing on this kind of product… is head and shoulders above everybody else.
Jacob M.
Broker partner · California
Call
Thank you for the quick turnaround… The ability to close in approximately 15 business days on a clean file is a strong advantage.
Billy S.
Broker partner
Email
The only way that I will ever use another lending source is if you couldn’t do the deal.
Vance R.
Deal sponsor · 30-year industry veteran
Text
Verbatim client and partner messages · shown with initials for privacy · individual experiences vary.
The 2026 playbooks
The numbers we lend by. Published.
Next step
Put the deal through the desk.
Start with twenty seconds now or send the complete file when you are ready.