Ready For Your Next Project?
We’ve been helping investors, borrowers, and potential lenders for 26+ years.
Who We Help
We are equipped to help any investor looking to purchase or refinance a single-family (1-4 Units) property they will either be flipping and/or keeping in their rental portfolio. With 26+ years of combined experience and over 2000 flips under our belt, we are geared to help investors in just about any situation. Because we too are investors we have created loans to fit any of our investor’s needs.
We are here to help you succeed!
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Borrower/Investors
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Potential Lenders
For Investors
Whether you’re a new real estate investor or an experienced investor looking to grow your lender network, we have the right tools to help you. The Creative Capital Lenders can work with everything from IRA investment to LLC-owned investments.
With our professional knowledge and access to flexible private lending options, we can provide you with the most appropriate loan for your investment project.
Do You Fall Into One Of These Categories?
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New investors
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Contractors
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Experienced investors
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IRA investors
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LLC Owners
Investor Lending FAQ
+ How fast can I get funds to purchase a property?
Depends on the type of loan but typically within 15-30 days.
+ How much does it cost for a loan?
We can share a Deal Analysis Worksheet (just fill out a borrower form to request it!) but our rates are similar to other lenders in the area. Once we know your property details, we can give a quote within 24hours.
+ What is the draw process like?
Depends on the type of loan but it’s typically 1-8 draws allowed with a $150 minimum fee per draw. Upon loan start, funds are put into an escrow account. When you complete segments of the work, you request a draw, an inspection is completed, and then you receive payment for the work done.
+ What does ARV mean?
After Repair Value. The ARV is a critical element in the real estate world. It’s used for comps, for determining loan value, for knowing your earnings, as well as time value of money.
+ I have trouble getting accurate comps!
Did you know a large percent of all investors struggle with this too? We can share tips and tricks to reduce this part of the loan process for you.
+ Timeline from A to Z to buy a property -- what does it look like to get a loan?
- Submit a Borrower intake form on our website and receive a pre-approval letter
- Research and find a possible investment property
- Go under contract and receive a loan estimate
- Submit the contract agreement, scope of work, and a few other form.
- Underwriting process
- Q&A from the lenders but we promise to keep you informed and educated along the way!
- The final step! Closing/deal funded and you get to start on your investment journey!
+ How are the loan numbers chosen for my investment property?
Depends on the loan but a very simple equation is to take 70% x ARV price = basic loan. Some loans will be higher percentages while others are lower….since these are “asset-based loans”, your property details will determine the final loan numbers. The basic loan will include a percent of the purchase price plus all construction/rehab funds.
A Consultant and A Coach
Real estate investment is a challenging world that is constantly changing. Therefore, new investors often find themselves confused and lost. How do you know if you’re seizing a profitable property? Where can you find qualified contractors for your project?
The team of Creative Capital Lenders is first an investor team. Therefore, when you borrow from us, you’re getting more than a loan, but also our experience and expertise.
To help you succeed, we also provide the following real estate services.
Business coaching
List of service providers and contractors that are certified and pre-approved
In-person and online classes to further grow the real estate knowledge database
One-on-one consulting at our office in Lee’s Summit.