WE CLOSE LOANS, PERIOD.

Boost Your Real Estate Investments with Hawkeye Private Capital

At Hawkeye Private Capital, we specialize in providing Hard & Private Money Loans tailored to the unique needs of Real Estate Investors. Our range of services includes financing for Fix-and-Flip projects, New Construction, DSCR loans, and GAP Funding to help you maximize your investment potential.

Welcome to Hawkeye Private Capital

Hawkeye Private Capital, your premier partner in Real Estate Financing Solutions. We specialize in empowering real estate investors with the funding they need to succeed in today's competitive market. Whether you're a seasoned investor or just starting out, our tailored loan products are designed to meet your specific needs and help you achieve your investment goals.

Our experienced team works closely with clients to ensure quick approvals and competitive rates, allowing you to seize opportunities with confidence. Whether you're investing in a new property or seeking personal financial support, Hawkeye Private Capital is here to help you achieve your goals with integrity and expertise.

ABOUT US

PRIVATE MONEY INVESTMENTS

At Hawkeye Private Capital, we are committed to providing unparalleled service and customized solutions that align with your investment strategies. Our team of experts is dedicated to understanding your needs and delivering personalized financial solutions that drive success.

Hawkeye Private Capital is your trusted partner in financial solutions, specializing in providing Hard Money Loans to the Real Estate Industry and Business Loan Options tailored to meet diverse needs. With a deep understanding of the Real Estate Market and a commitment to flexibility and efficiency, we offer customized lending solutions designed to empower investors, developers, and individuals alike.

HARD MONEY OPPORTUNITIES

FIX AND FLIP LENDING

Our fix and flip program can help provide you with fast, easy, and reliable funding on your light to heavy renovation projects. Our program works whether you are a new or experienced investor. We work with you throughout each step of the process from analyzing your deal to the time you pay off your loan and everything in between from underwriting, funding, servicing, and managing the construction with you and your team.

  • Rates Starting at 10.75%

  • Interest Charged As Drawn

  • Single Family and 2-4 Unit Multifamily

  • No Tax Returns Required

  • Minimum FICO of 650

  • Up to 70% ARLTV

  • No Prior Experience Required

  • 12 Month Term w/ No Prepayment Penalty

Frequently Asked Questions

What is a Fix and Flip Loan?

A fix and flip loan is a short term mortgage for you to purchase and renovate your property. The fix and flip loan provides the capital to acquire the property and also complete the repairs to help improve the property value. If the project was bought well and the numbers from the rehab budget and ARV were accurate once you are ready to put it back on the market and sell it at a higher price there should be enough money to pay off your mortgage, all of your costs incurred during the project, and should leave for a nice profit left after all expenses have been repaid.

What if I want to keep the property instead of flipping the property?

Once the property has been renovated and work is complete if you determine that the best course of action is to hold onto the property and not sell it keeping it as a long term cashflow and appreciation strategy you can refinance out of the fix and flip loan and get a long-term loan through traditional or private lenders.

How does your draw process work for the construction budget?

As work is completed in your fix and flip and you are ready to draw from your construction line of credit you simply complete our draw request that outlines the items of the initial budget that was approved prior to closing that you are looking to get reimbursed for. Once the request has been submitted and processed a draw inspection would be ordered and scheduled between the inspector and investor to verify the work that was submitted for reimbursement was completed. Once the inspection report is received, reviewed, and approved you would be notified and the money would be wired via ACH to your bank account that provided and on file. For a fix and flip loan the investor can use as many or as little draws as needed during the project and based on the cashflow of the investor.

What type of value-add strategies could I utilize with a Fix and Flip loan?

There are many different strategies that can be executed with the fix and flip program. With each investment property and scenario being unique the strategy deployed will be dependent on the overall exit strategy of the investor on that given deal and sometimes multiple exit strategies can apply. Some investors will do very minimal work and put the property back on the market with little to no risk from construction and look to make a quick profit from the trade. Other properties may benefit from force appreciation and adding square footage whether vertical or horizontal can quickly increase the value of the home. Each project will depend on the investor’s preference and also evaluating the condition of the property along with an understanding on that local market.

 If I am a new investor with no prior experience, can I still qualify for the Fix and Flip program?

A new investor can obtain financing with our fix and flip program. With the lack of experience as a beginning investor the loan-to-cost would be lower until more round-trip deals have been completed. It is always encouraged that a new investor has a good team surrounding them. Alpha Funding is very welcoming to new investors when getting into fix and flips and real estate investing. One of the more rewarding parts of lending is being a part of the journey watching new investors complete their first few deals and grow into repeat borrowers growing and scaling their businesses.

NEW CONSTRUCTION HARD MONEY LOANS

As the market continuously shifts and good deals are few and far between, many investors turn to New Construction. Widely Considered by many to be the “pinnacle of real estate investing”, New Construction offers the opportunity to leave a lasting imprint on the home, neighborhood, and community that you are investing in. With Alpha Funding Capital’s guidance, we can help you start and scale your next project.

  • Rates Starting at 11.75%

  • Strong Credit, Liquidity, and Experience

  • Single Family and 2-4 Unit Multifamily

  • Stick or Modular Build

  • Up to 90% LTC and 70% ARLTV

  • 12-18 Month Term Available

  • Interest Charged As Drawn

  • Land Development or Knockdown Deconstruction

Frequently Asked Questions

What is a New Construction Loan?

This loan provides investors with the resources necessary to acquire an existing property and funds to build an entirely new structure. This product can be utilized in a wide range of areas from deep urban to suburban, and provide a new way to approach your next successful investment. To obtain this loan investors typically require previous new construction experience, or a recent history of completed fix and flips. Property types range from single to four family on the residential side, commercial mixed-use, and commercial multifamily. The loan term is generally (12) months with the opportunity to extend further.

What type of investment strategy can be utilized with this product?

Like fix and flips, new construction offers the investor an excellent way to realize a great profit. Once work is completed, investors have the opportunity to either sell the property or refinance the property using the BRRRR Method. Depending on the timeline to build, the property’s ability to generate monthly cash flow, and the growth in the area of investment, selling and refinancing are both viable options. While it is best to approach a deal knowing your end goal and having a strategy for success in mind, AFC will always provide our best options to assist as your priorities shift.

Why choose New Construction?

1. The Unknown Elements:

The first time you enter a home that is primed for a flip, you may walk out with a feeling that this project will be a simple “in and out”. After starting construction and peeling back layer upon layer, you find out that this is starting to seem like a bigger project than originally thought. When building new construction, those worries are thrown out the door as you have complete control over foundation, structure, layout, appliances, and anything else you wish to customize. The unknown is not a factor

2. Maintenance Costs:

For the investor that prefers to hold properties as rentals in their portfolio, maintenance can be a large factor in long term profitability. When holding a new construction property, investors can count on key elements including but not limited to the foundation, roof, flooring, and hot water heater to hold up over the initial span of ownership. This in turn limits monthly and annual expenses, helping you realize a larger ROI (return on investment)

3. Increased Supply:

In times of high real estate demand for investors and end buyers, finding properties are always a challenge. Utilizing this program, investors will be able to broaden their horizons. No longer limiting themselves to typical real estate listings, empty plots of land and homes that require demolition now add to the ever-growing list of opportunities.

RENTAL DSCR LOANS

As the market continuously shifts and good deals are few and far between, many investors turn to New Construction. Widely Considered by many to be the “pinnacle of real estate investing”, New Construction offers the opportunity to leave a lasting imprint on the home, neighborhood, and community that you are investing in. With Alpha Funding Capital’s guidance, we can help you start and scale your next project.

  • Rates Starting at 6.875%

  • Rent-ready and Leased Qualify

  • Up to 80% LTV

  • Loan Amount from $75,000-$2,000,000

  • Minimum FICO of 680

  • Minimum DSCR of 1.0

  • 30-year Fixed Rate

  • Single Family, 2-4 Unit Multifamily, and Condo/Townhomes

Frequently Asked Questions

What is a Rental Loan?

It is a loan for real estate investors that want to invest in rental properties. The property types include single family homes, 2-4 unit multifamily, townhomes, vacation rentals, and warrantable condos. Our long term rental financing can be structured as 30 year amortizing, ARM, or interest-only options.

What type of investment strategy can be utilized with this product?

Our term rental loan program can be used to refinance out of a hard money loan into a lower rate and longer term after the renovations are complete and it is rented out to tenants. It is a very popular investment strategy called BRRRR (Buy, renovate, rent, refinance, and repeat) where investors will repeat this process as a way to accumulate multiple units quickly with very little money invested long term by pulling the initial money invested and using those dollars to acquire more properties. Some investors who do not plan on renovating the property and would like a loan to just purchase can acquire the property with this light documentation option that is based off of the DSCR (Debt Service Coverage Ratio)

How and when would you use a Rental Loan?

Each and every investment is unique. Real estate investors that are looking to own real estate long term or even short term depending on how the loan is structured with the prepayment penalty can benefit from our rental loan with the very competitive rates and terms. Many investors want to get a loan mostly based off of the ability of the income produced by the tenants renting covering the monthly expenses that include the PITI (Principle, interest, taxes, and insurance) payment. The loan is a “light-doc” loan with no income verification is based off of the rental income covering the expenses. The minimum DSCR is usually at 1.0-1.2 where the rental income will have to cover all of the PITI payment and in most cases have a little extra after expenses have been paid being cash-flow positive.

What is the “BRRRR” strategy?

This investment strategy is very popular among investors. By using a short term hard money loan the investor has the ability to purchase a property very quickly usually within weeks or even days without many of the traditional mortgage requirements. The property is underwritten and evaluated based of the ARV (After repair value). Many times, a property can benefit from upgrades and by making improvements to the property and units the value of the property can appreciate and grow in value very quickly. Based on the hard money loan, the LTV usually is around the “65% rule” which allows for the investor to refinance at an LTV around 75-80% once the property is rented out. That higher LTV can in some cases help the investor refinance the money borrowed in the hard money loan and potentially the down payment, closing costs, and some soft costs incurred during the hard money loan. The power of this strategy is where the property and its expenses are covered by the rental income generated from the units and in a good deal being able to recoup all of the initial investment to use for another property acquisition allows to build a substantial portfolio and wealth quickly is executed well.

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