Fix and Flip Loans

Up to 92.5% LTC

Need to move fast on a deal? We connect investors with lenders who fund fix and flip projects based on the value and potential of the property — not your personal income or tax returns.

• Up to 92.5% of total project cost

• No personal income verification required

• Based on property value and project potential

• Fast closings so you don't lose the deal

• Term sheets in 24-48 hours

Fix and flip financing is ideal for investors buying distressed properties, renovating them, and reselling for profit. Whether it's your first flip or your fiftieth we can find the right capital for your project.

Bridge Loans

Need short term financing to bridge the gap between buying and selling — or buying and refinancing? Bridge loans give you the capital to move on your next deal without waiting for your current one to close.

• Fast, flexible short term financing

• Based on property value not personal income

• No tax returns required

• Term sheets in 24-48 hours

Bridge loans are perfect for investors who need to act quickly and can't wait on traditional bank timelines.

Ground Up Construction Loans

Up to 90% LTC

We connect builders and developers with lenders who fund ground up construction projects from the ground up — literally. Capital is staged based on project costs, timeline, and completed value.

• Up to 90% of total project cost

• Staged draws based on construction milestones

• Based on completed project value not personal income

• Works for single family, multifamily, and mixed use construction

• Term sheets in 24-48 hours

Whether you're building one house or an entire development we can find the right construction financing for your project.

DSCR Loans — Rental Property Financing

Up to 80% LTV

DSCR loans — Debt Service Coverage Ratio loans — let you qualify based on the rental income the property generates, not your personal tax returns or W2. This is the go-to loan for rental property investors.

• Up to 80% LTV on purchases

• No personal income verification required

• Qualify based on the property's rental income

• Works for single family rentals, multifamily, and short term rentals

• Ideal for self employed investors and anyone with complex tax returns

• Term sheets in 24-48 hours

If a bank has ever turned you down because your personal income looked complicated on paper, a DSCR loan is your answer.

Cash Out Refinance

Up to 75% LTV

Already own investment properties? Pull the equity out and put it to work on your next deal — without selling.

• Up to 75% LTV cash out

• No personal income verification required

• Based on the property's value and rental income

• Works for single family, multifamily, and short term rental properties

• Term sheets in 24-48 hours

Cash out refinances are one of the most powerful tools in a real estate investor's toolkit. Stop letting your equity sit idle.

Why White Oak Private Capital

• No personal income verification on all loan programs

• Term sheets in 24-48 hours — we move as fast as your deals do

• No set minimum or maximum loan amount — bring us any deal

• Nationwide — we work with investors in all 50 states

• Personal service — you work directly with Carter Wright from day one to closing, no call centers, no handoffs

We are intentionally small so every investor gets the attention their deal deserves.