Fix & Flip Loans
- Up to 100% financing for purchase and renovation
- Up to 75% ARV
- Rates starting at 8.5%
- No tax returns required
- No minimum FICO requirement
- Closings in as little as 48 hours
VETERAN-OWNED PRIVATE LENDER
Real estate loans, funded fast.
Fix & flip, DSCR rental and ground-up construction financing for investors who need to move quickly and maximize leverage.
- Up to 100% financing on fix & flips
- DSCR rates starting at 5.875%
- No tax returns required on fix & flips
- Closings in as little as 48 hours on qualifying deals
Request a loan
A loan officer will review your deal and send you a customized term sheet within 24 hours.
No application feeLending in all 50 states
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HOW IT WORKS
Three steps to funded.
- Request your loan. Fill out the short form. It takes about 30 seconds. No application fee.
- Get your term sheet. A loan officer reviews your deal and sends you a customized term sheet within 24 hours.
- Close in as little as 48 hours. Flexible underwriting and fast closings on qualifying transactions.
LOAN PROGRAMS
Three programs. One lender.
DSCR Rental Loans
- Up to 80% LTV (including cash-outs)
- Up to 80% LTV on qualifying cash-out refinances
- Rates starting at 5.875%
- Minimum 660 FICO
- No traditional income documentation required
Ground-Up Construction Loans
- Up to 85% LTC
- Financing for land and construction costs
- Rates starting at 8.5%
- No prior ground-up construction experience required
WHY ROMERO CAPITAL
Speed, flexibility and leverage.
Romero Capital is built for real estate investors who need to move quickly. Whether you're acquiring your next flip, pulling equity from a rental, or building from the ground up, we're here to help you get the deal funded.
- Flexible underwriting and competitive rates
- All three programs under one roof, lending in all 50 states
- Closings in as little as 48 hours on qualifying transactions
- Veteran-owned and operated: discipline, integrity and execution
Frequently asked questions
What loan programs does Romero Capital offer?
Romero Capital offers three core loan programs for real estate investors: Fix & Flip Loans for short-term acquisition and renovation projects, DSCR Rental Loans for long-term buy-and-hold or cash-out strategies, and Ground-Up Construction Loans for land acquisition and new development. All programs are structured around asset value and investor performance.
How fast can I close on a loan with Romero Capital?
We move fast. Closings can happen in as little as 48 hours for qualified deals. Our streamlined underwriting process is built around the asset, not bureaucratic timelines, so when your deal needs to close quickly, we're ready to execute.
What documentation is required to apply for a loan?
Documentation requirements vary by loan type. Fix & Flip and Construction loans are primarily asset-based, requiring property details, purchase contract, and scope of work. DSCR Rental Loans do not require traditional income documentation for qualifying programs. Qualification is based on the property's rental income and debt service coverage ratio.
Is Romero Capital veteran-owned and operated?
Yes. Romero Capital Corp is proudly veteran-owned and operated. Our team brings the same discipline, integrity, and commitment to execution that defines military service, applied directly to private real estate lending and investor relationships.
Where does Romero Capital lend?
We lend in all 50 states. All loans are subject to underwriting and property qualification.
How do I get loan terms for my specific deal?
All advertised rates and leverage are presented as starting points. Final terms are subject to underwriting and property qualification. To get terms specific to your deal, submit your project details and a loan officer will send you a customized term sheet within 24 hours. There is no application fee.
Contact us
Call: (980) 980-1101
Email: info@romerocapitalcorp.com
Office: 8350 Arrowridge Blvd, Charlotte, NC 28273
Book a call: Schedule a discovery meeting
All rates, leverage and terms shown are starting points and are subject to underwriting, property qualification and change without notice. This is not a commitment to lend. © 2026 Romero Capital Corp.