General
Who is Clontz Capital?
We’re a private real estate lender founded by investors, for investors. We provide non-conventional financing — DSCR, Acquisition & Rehab, and Ground Up Construction — with the speed of a boutique firm and nationwide reach.
What types of loans do you offer?
Three core products: DSCR rental loans, Acquisition & Rehab loans, and Ground Up Construction loans.
Where do you lend?
Across 47 states. We regularly work with out-of-state investors buying in new markets.
Do you work with first-time investors?
Yes — we work with investors at every level. Our premier terms are reserved for seasoned investors with a track record, and newer investors may see different terms. We’ll walk you through exactly what to expect.
Qualifying & Eligibility
What credit score do I need?
Minimum credit requirements vary by product — generally a 660 FICO for DSCR and a 620 FICO for Ground Up Construction. If you fall below the minimum, partnering with someone who has stronger credit and real estate experience is a solid path, then reapply.
Do I need to show my income?
We don’t lend based on your personal income. For our 30-year DSCR loans, we use a DSCR calculation — the property’s rent minus the payment, taxes, and insurance. For Acquisition & Rehab and Ground Up Construction, we use a 6-month payment liquidity reserve requirement instead.
Can I finance a property from out of state?
Absolutely. We finance for out-of-state investors regularly and lend across 47 states.
What if I’m using a contractor?
Make sure your contractor is properly licensed, insured, and pulling permits where required. As long as that’s in place, it won’t affect your loan.
What if I’m not using a contractor?
No problem — we regularly work with owner-operators. You don’t need to be a licensed contractor to do the work yourself.
Our Loan Products
What is a DSCR loan?
Long-term rental financing that qualifies on the property’s cash flow instead of your personal income. Our DSCR loans are 30-year fixed-rate, with an optional 10-year interest-only period.
What is an Acquisition & Rehab loan?
Short-term financing to buy and renovate, then sell or hold — up to 100% LTC and 75% of ARV, terms up to 24 months, with rates from 8.5% for seasoned investors.
What is a Ground Up Construction loan?
Short-term financing to build new residential projects from the ground up, with funds released in flexible draws tied to construction milestones. Up to 90% LTC, with rates from 8.5% for experienced builders.
The Process
How fast can I get a term sheet?
As quickly as 15 minutes.
How long does it take to close?
Typically 15–30 days from application to closing.
What does the process look like?
Five steps: a consultation call, your application, an appraisal, underwriting, and closing. Your loan officer keeps you informed at every stage.