Strategic Real Estate Lending
Built For Execution

What is a DSCR Loan?

A DSCR (Debt Service Coverage Ratio) loan is a type of investment property financing where the lender qualifies the loan based on the income the property generates — not your personal W2s, tax returns, or employment history. This makes it one of the most powerful tools for real estate investors who are self-employed, have complex income structures, or are scaling a portfolio.

Who It's For

• Real estate investors purchasing single-family or multi-family rentals
• Self-employed borrowers who can't easily document income
• Investors scaling a portfolio who don't want each loan tied to personal DTI
• Foreign nationals or ITIN borrowers (available on select programs)

Key Program Parameters

How It Works at Caprio

Submit your deal with the property address and rental income. We underwrite based on the property's cash flow, run a DSCR calculation, and present terms typically within 24–48 hours. No tax returns. No employment verification. Just the deal.

DSCR vs Conventional

• Conventional: Requires full income documentation, limits based on personal DTI, slower process
• DSCR: Property income qualifies, no personal income docs required, scales without personal debt limits

What is a Fix & Flip Loan?

A Fix & Flip loan is short-term, asset-based financing used to purchase and renovate a distressed property with the goal of selling it at a profit. Unlike conventional loans, approval is based primarily on the property's after-repair value (ARV) and your exit strategy — not your tax returns or credit score alone.

Who It's For

• Experienced flippers running one or multiple projects at a time
• First-time investors with strong deal fundamentals and an experienced GC
• BRRRR investors using bridge financing before a DSCR refinance
• Wholesalers who have decided to flip instead of assign

Key Program Parameters

The Draw Schedule

Renovation funds are not released all at once. They are distributed in draws as construction milestones are completed and verified. Caprio works directly with you and your contractor to release funds efficiently so projects don't stall.

What We Look At

• Purchase price relative to ARV (typically max 70% rule)
• Scope of work and renovation budget
• Your experience level and number of completed deals
• Exit strategy — selling or refinancing into a DSCR loan
• Contractor qualifications and project timeline

What is a Ground-Up Construction Loan?

A ground-up construction loan finances the building of a new property from scratch on raw land or a teardown lot. Unlike a rehab loan, there is no existing structure to leverage — the lender is underwriting the project based on your plans, your builder, and the projected value of the completed asset.

Who It's For

• Developers building single-family or small multifamily from the ground up
• Investors who have acquired land and are ready to build
• Builders who need capital beyond their own liquidity
• Experienced investors expanding into new construction

Key Program Parameters

What We Require

• Approved building plans and permits (or permit-ready)
• Licensed and experienced general contractor with project history
• Full construction budget and draw schedule
• Clear exit strategy — sale or permanent loan at CO
• Investor experience in construction or adjacent projects

The Build Process

Caprio funds the land acquisition (if needed) and releases construction funds in scheduled draws as each phase is completed and inspected. This keeps your contractor accountable and ensures capital is deployed against verified progress.

What is a Multifamily Bridge Loan?

A multifamily bridge loan is short-to-medium-term financing used to acquire or reposition a 5+ unit apartment property while you stabilize occupancy, complete renovations, or season the asset before transitioning to permanent agency financing (Fannie/Freddie/HUD) or a long-term DSCR loan.

Who It's For

• Investors acquiring value-add apartment buildings with below-market rents or high vacancy
• Operators repositioning a mismanaged asset with a clear business plan
• Investors who need to close fast and can't wait for agency underwriting timelines
• Portfolio operators growing their multifamily footprint

Key Program Parameters

The Value-Add Play

Bridge financing is most powerful when paired with a clear value-add strategy: renovate units, raise rents to market, increase occupancy, then refinance into permanent debt at the new stabilized value. Caprio underwrites the business plan — not just the current state of the asset.

What We Look At

• In-place NOI vs. projected stabilized NOI
• Current occupancy and lease-up timeline
• Renovation scope and budget (if applicable)
• Operator's multifamily experience
• Clear exit strategy to permanent financing or sale

1. Information We Collect

When you submit a funding request through our website, we collect the information you provide, including but not limited to: your name, email address, phone number, property address, financial details related to your deal, and identification information. We may also collect technical data such as IP address, browser type, and pages visited through standard web analytics tools.

2. How We Use Your Information

The information you provide is used solely for the purpose of evaluating your loan request and communicating with you about your application. Specifically, we use your information to:

• Review and underwrite your deal submission
• Contact you with preliminary terms and next steps
• Comply with applicable federal and state lending regulations
• Improve our services and website experience

3. Information Sharing

Caprio Lending LLC does not sell, rent, or trade your personal information to third parties for marketing purposes. We may share your information with trusted service providers who assist in operating our business (such as document storage or CRM platforms), subject to strict confidentiality obligations. We may also disclose information as required by law or in response to valid legal process.

4. Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, disclosure, or misuse. All form submissions are transmitted over encrypted connections (SSL/TLS). Financial and identification data is handled in accordance with applicable data protection standards.

5. Sensitive Information

Information such as Social Security Numbers, ITIN, and EIN submitted through our application form is used exclusively for underwriting and identity verification purposes in connection with your loan application. This information is never shared with unauthorized parties.

6. Retention

We retain your information for as long as necessary to fulfill the purposes outlined in this policy, or as required by applicable law. Loan application data may be retained for regulatory compliance purposes.

7. Your Rights

You may request access to, correction of, or deletion of your personal information by contacting us directly. We will respond to such requests in accordance with applicable law.

8. Cookies

Our website may use cookies and similar technologies to enhance your browsing experience and analyze site traffic. You may disable cookies in your browser settings, though this may affect certain website functionality.

9. Contact Us

If you have questions about this Privacy Policy or how your information is handled, please contact Caprio Lending LLC directly through the contact information provided on our website.

1. Acceptance of Terms

By accessing or using the Caprio Lending LLC website and submitting a funding request, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use this website or submit any application.

2. Nature of Services

Caprio Lending LLC is a private real estate lender. The information and tools provided on this website are for the purpose of facilitating loan applications for investment real estate only. All loans are for business and investment purposes. Caprio Lending does not offer consumer loans, personal loans, or owner-occupied residential financing.

3. Eligibility

To submit a funding request, you must be at least 18 years of age, a legal resident or entity authorized to conduct business in the United States, and seeking financing for investment or business purposes only. Caprio Lending reserves the right to decline any application at its sole discretion.

4. No Guarantee of Funding

Submission of a funding request does not constitute a loan commitment, approval, or guarantee of financing. All applications are subject to complete underwriting review, property valuation, title search, and final approval. Preliminary terms or estimates provided are subject to change based on full due diligence.

5. Accuracy of Information

You represent and warrant that all information provided in your application is true, accurate, complete, and not misleading. Providing false or misleading information is grounds for immediate denial of your application and may constitute fraud under applicable law.

6. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of Caprio Lending LLC and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without express written consent.

7. Limitation of Liability

Caprio Lending LLC shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this website or reliance on any information provided herein. Our total liability to you for any claim shall not exceed the amount of any fees paid by you to Caprio Lending in connection with the relevant transaction.

8. Equal Opportunity Lender

Caprio Lending LLC is committed to equal opportunity lending in compliance with applicable federal and state fair lending laws. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, disability, or any other protected characteristic.

9. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in the applicable jurisdiction.

10. Changes to Terms

Caprio Lending LLC reserves the right to modify these Terms of Service at any time. Changes will be effective upon posting to this website. Your continued use of the website after any changes constitutes acceptance of the updated terms.

11. Contact

For questions regarding these Terms of Service, please contact Caprio Lending LLC directly through the contact information provided on our website.