FAQ

Still have questions? Take a look at the FAQ or reach out anytime. If you’re feeling ready, go ahead and get started.

General Questions

  • Black Grid Capital is a real estate lending and investment company focused on helping investors secure fast, flexible financing for fix-and-flips, rental properties, new construction, DSCR loans, bridge financing, and investment opportunities.

  • Black Grid Capital can provide financing solutions including:

    • Fix & Flip Loans

    • Ground-Up Construction Loans

    • DSCR Rental Loans

    • Bridge Loans

    • Cash-Out Refinance Loans

    • Transactional Funding

    • Short-Term Investor Loans

    • Portfolio Financing

  • We work with:

    • Real estate investors

    • Flippers

    • Builders

    • Landlords

    • Developers

    • Wholesalers

    • First-time investors

    • Experienced operators scaling portfolios

  • Yes. First-time investors may qualify depending on the deal strength, down payment, exit strategy, and supporting financials.

  • Black Grid Capital can work in multiple states depending on the loan program and property type. Availability may vary by lender and market conditions.

Loan Questions

  • Pre-approvals can often happen within 24–48 hours after receiving the required documents.

  • Some loans can close in as little as 7–14 business days depending on title, appraisal, underwriting, and borrower responsiveness.

  • Programs vary. Some loan products are more deal-focused than borrower-focused. Higher scores generally receive better terms.

  • Certain programs, such as DSCR loans, may not require traditional income verification.

  • A DSCR (Debt Service Coverage Ratio) loan qualifies the property based on rental income instead of personal income.

  • Yes. Many fix-and-flip and construction loans include rehab funding draws.

  • Loan leverage depends on:

    • Experience

    • Credit profile

    • Property condition

    • Market

    • Exit strategy

    Some programs may finance a high percentage of purchase and rehab costs.

  • Yes. Many investors use a BRRRR strategy:

    1. Buy

    2. Rehab

    3. Rent

    4. Refinance

    5. Repeat

Fix & Flip Questions

  • Eligible properties may include:

    • Single-family homes

    • Duplexes

    • Triplexes

    • Fourplexes

    • Small multifamily

    • Certain mixed-use properties

  • Yes. Loan options may include cosmetic rehabs, full gut renovations, additions, and redevelopment projects.

  • Yes. Experienced investors may qualify for portfolio or multiple simultaneous projects.

  • Not always. Strong deals and strong teams can still qualify.

Construction Loan Questions

  • Yes. Black Grid Capital can assist with financing for:

    • Spec homes

    • Investment builds

    • Multifamily construction

    • Build-to-rent projects

    • Certain development opportunities

  • Yes. Construction loans generally use staged draw disbursements based on completed work.

  • Typically yes, or at minimum plans and a clear permitting path depending on the project stage.

Rental Property Questions

  • Yes. DSCR and rental property financing options are available.

  • Certain programs may allow short-term rental properties depending on location and projected income.

  • Yes. Cash-out refinance and portfolio refinance options may be available.

Process Questions

  • Common items include:

    • Purchase contract

    • Scope of work

    • Budget

    • Bank statements

    • Entity documents

    • Rehab experience

    • Insurance information

  • Yes. Many investors close in an LLC or business entity.

  • Some programs have none, while others may include one depending on the loan structure.

  • Loan points vary by program, leverage, and borrower profile.

Investor & Partnership Questions

  • Certain opportunities may qualify for strategic partnerships or joint venture discussions.

  • Yes. Black Grid Capital may offer referral and affiliate opportunities.

  • Affiliates may receive compensation for referring qualified borrowers that successfully close loans.

    • Realtors

    • Contractors

    • CPAs

    • Insurance agents

    • Real estate educators

    • Influencers

    • Wholesalers

    • Investor groups

Why Black Grid Capital?

  • Black Grid Capital focuses on:

    • Fast communication

    • Investor-focused lending

    • Flexible solutions

    • Relationship-based business

    • Scalable financing strategies

    • Creative problem solving for investors

  • No. Black Grid Capital focuses on private and alternative real estate financing solutions designed for investors.

  • Submit:

    • Property address

    • Purchase price

    • Rehab budget

    • Estimated ARV

    • Timeline

    • Exit strategy

    A lending specialist can then review the opportunity and discuss available financing options.

Begin the process with clarity and a structured path forward.

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Residential real estate investment market and housing opportunities