AE Capital Partners

Real Estate Loans Exclusively Tailored for Investors

Get Quick and Easy Funding: Your One-Stop Solution For All Your Investing Needs!

Fix & Flip

Buy & Hold

Short Term Rentals

Bridge Loans

Construction

Are You Ready?

We presently provide financing for transactions involving 1-10 units, prioritizing urban and suburban locations. Our specialties include Fix & Flips, Rental Properties, and House Hacks. Let's Get Started!

Submit A Deal

Learn More About

At AE Capital Partners, you’ll find a private lending company that stands out with a unique, client-focused approach. From your initial conversation to the final payoff, you’ll be working with our dedicated team of experts committed to your success. We specialize in various loan products for real estate investors, including new construction and multifamily loans.

Our in-house underwriting, construction loan management, and servicing teams are second to none. They understand the critical role we play in your real estate ventures and work harmoniously to support and facilitate the growth of your business. We’ve heavily invested in our people, processes, and technology to ensure you have an exceptional customer experience.

At AE Capital Partners, we build long-lasting relationships with our clients. Our goal is to be a trusted partner in your real estate journey, offering the support and resources you need to succeed. With our comprehensive expertise and unwavering dedication, you can be confident you’re working with a private lending company that truly cares about your business. Let us help you unlock new opportunities and achieve your real estate ambitions with our unparalleled service and support.

Our Simple 6-Step Process

Experience a Cutting-Edge Digital Solution for Real Estate Investment Financing, Designed with Your Needs in Mind. Our innovative platform transforms traditional lending, putting you first every time.

Step 1: Submit A Deal

Click the submit a deal button to create an account or to sign in and input the details for the project.

Step 4: Automated Email

If your deal is eligible for financing, you will receive an automated email about your deal.

Step 2: Closing Date

Please ensure the closing date is accurate and inline with the closing timelines listed in the FAQ's.

Step 5: Information

Please ensure the closing date is accurate and inline with the closing timelines listed in the FAQ's.

Step 3: Our Team

Our team will respond to clients who submitted a deal directly this portal within 24 hours.

Step 6: Insurance

Our fulfillment team will order title and insurance, and reach out to you for any additional info for closing.

The whole process takes minutes!

Submit A Deal

REAL ESTATE INVESTOR

Lending Programs

Fix and Flip

- Finance up to 90% loan to cost
- Single-family & multifamily properties
- No Prepayment Penalties
- Close in as little as 5 business days

Get Funded

Short-Term Rental

- Finance up to 75% loan to value, 70% for cashout Single-family & multifamily properties
- Low or no Prepayment Penalty
- Must be listed on AirBNB, VRBO, or similar site

Get Funded

Bridge Loans

- Finance up to 75% loan to value, 65% for cashout
- Single-family & multifamily properties
- No Prepayment Penalties
- Multi-year bridge loan

Get Funded

Buy and Hold

- Finance up to 80% loan to value, 75% for cashout
- Single-family & multifamily properties
- Low or no Prepayment Penalty options
- Minimum DSCR 0.75

Get Funded

Construction

- Finance up to 80% loan to cost, 65% of the value after completion
- Single-family, townhomes, and ADUs
- No Prepayment Penalties
- Draws fund in as little as 1 business day

Get Funded

Bank Statement

- Finance up to 80% loan to value, 75% for cashout 30-year term with competitive pricing
- Low or no Prepayment Penalty options
- Qualify based on Bank Statement Analysis

Get Funded

Our Eligibility Criteria

Navigate Fix & Flip Financing Criteria with Confidence

Credit Score

660 minimum FICO and no serious delinquencies in the past 2 years.

Max Loan Ratios

Up to 90% Loan to cost and 75% Loan to after-repair value on loan ratios.

Loan Terms

$100,000 - $1,500,000 per property; minimum $50,000/unit on 2+ units

Property Value

Click the submit a deal button to create an account or to sign in and input the details.

Property Type

Single family, 2-4 unit, or 5-8 unit. Manufactured and mixed use not eligible.

Prepay Penalty

Freedom to Repay: Enjoy Flexibility with No Prepayment Penalties on All Loans

Purpose

Short-term mortgages to buy and renovate properties on all loan types.

Minimum Liquidity

$25k Minimum Down, Closing Cost and 3 Months Payments

OUR TEAM IN FOCUS

Meet Our Team

FREQUENTLY ASKED QUESTIONS

Questions & Answers

Do you do a hard credit pull? How often?

We only do hard pulls for rental loans AFTER you've accepted an offer and once the loan is in underwriting. We utilize soft pulls for short-term mortgages.

Do you lend at the auction?

We require title insurance on our loans, which a lot of local auction properties will not have. Some online auctions go through a closing agent that provides title insurance, but the borrower should check with the seller/platform.

Do you offer 100% Loan to Cost financing?

We do not. We'll lend up to 90% Loan to Cost depending on experience.

How Do You Qualify For A Loan?

First step is to connect with your concierge to align you with the right product style (Hard Money or Conventional). Then you’ll align with the appropriate BetterLife REF Advisor to get your account created, submit your deal (Hard Money or DSCR), or complete a soft application (For Conventional Financing).

How fast can you close?

This will depend on the type of loan product. Note that the following timelines start when the file is ready for underwriting (all info and documents uploaded), not necessarily when the loan is submitted or under contract. Rehab/bridge loans – 10 business days for a new client, 5-7 business days for repeat clients Rental loans – 4 weeks for single properties, 5-8 weeks for most portfolios Construction – 3+ weeks, depending on complexity 5+ Unit Multifamily – 4-6 weeks, depending on complexity and appraisal timelines

How many people need to guarantee or sign (for recourse loans)?

We only require one guarantor and signer with at least 25% ownership of the entity.

What are the five common reasons why a loan submission gets denied?

Property is not in a state that we finance or in a location that an appraiser would consider rural
Property value (or purchase price) < $100,000, or loan amount < $125,000 (or less than $50,000 per unit for multifamily)
Credit score < 680 or has major delinquencies over the past 2-4 years
Liquidity < $25,000 or not enough to cover down payment, closing costs, 3-6 months of payments, or rehab reserves
Newer investors taking on extensive rehab projects

What types of products do you offer?

12-month value-add loans, 24-month bridge loans, 12-month construction loans, and 30-year DSCR rental loans (both amortizing fixed and interest-only adjustable rates).

Investors Unlock Your Financing Options Now!

Get Quick and Easy Funding: Your One-Stop Solution for All Investing Needs

Our Process

Submit A Deal

Real Estate Loans Exclusively Tailored for Investors

Get Quick and Easy Funding: Your One-Stop Solution For All Your Investing Needs!

Are You Ready?

We presently provide financing for transactions involving 1-10 units, prioritizing urban and suburban locations. Our specialties include Fix & Flips, Rental Properties, and House Hacks. Let's Get Started!

Learn More About