Loan Request

Flexible Fix-and-Flip Financing

Choose the loan structure that fits your project.

Whether your priority is reducing cash due at closing or lowering your monthly payment, 1912 Capital offers two straightforward six-month lending programs for residential investors.

Compare Programs

Two Program Options

Structure your financing around what matters most.

Both programs provide the same core leverage and rehab funding parameters. Choose between a lower upfront cost or a lower monthly interest payment.

Option 1

Low Down Payment Program

Designed to minimize upfront fees and preserve cash for your project.

Interest Rate 18%

Origination Fee 0 Points

Loan Structure Interest Only

Loan Term 6 Months

Maximum Loan Amount Up to 65% LTARV

Maximum Advance Up to 100% of Cost and 90% of As-Is Value

Rehab Funds Up to 100% of Rehab Budget

Front-End Admin Fee $750

Back-End Admin Fee $750

Option 2

Low Monthly Payment Program

Designed for borrowers who prefer a lower monthly carrying cost.

Interest Rate 11%

Origination Fee 4 Points

Loan Structure Interest Only

Loan Term 6 Months

Maximum Loan Amount Up to 65% LTARV

Maximum Advance Up to 100% of Cost and 90% of As-Is Value

Rehab Funds Up to 100% of Rehab Budget

Origination Fee 4 Points Due at Closing

Front-End Admin Fee $750

Back-End Admin Fee $750

1912 Capital

Loan Program Calculator

Estimate your maximum loan amount, monthly interest payment, closing fees, and approximate cash needed for each 1912 Capital loan program.

Enter Your Deal

Purchase Price

Rehab Budget

After Repair Value (ARV)

As-Is Value

Calculator assumptions: 6-month term, interest-only payments, maximum 65% LTARV, up to 100% of cost, up to 90% of as-is value, and up to 100% of the rehab budget.

Option 1

Low Down Payment Program

Designed to minimize upfront borrower cash.

Estimated Maximum Loan

$0

Interest Rate 18% Interest Only

Loan Term 6 Months

Estimated Monthly Interest $0

Origination Fee $0

Front-End Admin Fee $750

Back-End Admin Fee $750

Estimated Cash Toward Purchase $0

Estimated Total Interest — 6 Months $0

Option 2

Low Monthly Payment Program

Designed to reduce monthly carrying cost.

Estimated Maximum Loan

$0

Interest Rate 11% Interest Only

Loan Term 6 Months

Estimated Monthly Interest $0

Origination Fee $0

Front-End Admin Fee $750

Back-End Admin Fee $750

Estimated Cash Toward Purchase + Points $0

Estimated Total Interest — 6 Months $0

Quick Comparison

Monthly Payment Difference

$0

Additional Upfront Cost for 11% Program

$0

Estimated 6-Month Interest Savings at 11%

$0

Ready to Submit Your Deal?

Send us the property details and our team will review your loan request.

Loan Request Call 602-610-1912

This calculator is for illustrative purposes only and does not constitute a loan approval, commitment, term sheet, or guarantee of funding. Actual loan amount, advance rate, pricing, fees, interest, and required borrower cash are subject to underwriting, property valuation, title review, borrower qualifications, and final approval by 1912 Capital.

Standard Loan Terms

Clear requirements. Straightforward servicing.

Review the core payment, guaranty, prepayment, and property eligibility requirements below.

Automatic Monthly Payments All monthly payments are automatically drafted via ACH on the 5th of each month.

Personal Guaranty All principals of the borrowing entity must personally guarantee the loan.

Prepayment The loan must earn at least one month of interest. No prepayment penalty after the first month.

Eligible Property Type Residential 1–4 units.

Fee Schedule

Know the cost at every stage of the loan.

Fees are shown by amount and when each fee becomes due.

Fee	Amount	When Due
Origination Fee	0 Points (18%) or 4 Points (11%)	Loan Closing
Front-End Admin Fee	$750	Loan Closing
Draw Fee	$250 (includes up to 5 draws)	Loan Closing
Additional Draws	$100 per draw after draw 5	At Draw
Same-Day Draw Expedite	$100	At Draw
3-Month Extension	$900	Extension
6-Month Extension	$1,500	Extension
Back-End Admin Fee	$750	Loan Payoff

Not Ready to Submit a Loan Request?

Have a deal you’d like us to review first?

Share the property address, purchase price, and rehab budget, and requested closing date.

Submit a Project for Review