Short-term financing to buy and renovate investment properties, with up to 90% of cost financed and no prepayment penalty.
Private lending for real estate investors
Capital that movesyour investments forward.
Flexible real estate financing built for investors who move with purpose. From fix and flips to long-term rental portfolios, AE Capital Partners helps turn opportunity into progress.
- Up to 90% loan to cost on fix & flips
- 90%
- Unit residential & multifamily properties
- 1–10
- Response on deals submitted via the portal
- 24 hr
- Construction draws can fund in as little as one business day
- 1 day
Lending programs
Six ways to finance the next deal.
Real estate loans tailored exclusively for investors — from short-term renovation capital to 30-year rental financing. Every program is underwritten in-house.
Compare every program
Financing for vacation and short-term rental properties listed on Airbnb, VRBO, or similar platforms.
Ground-up construction financing for single-family homes, townhomes, and ADUs — managed in-house, with draws that fund in as little as one business day.
30-year DSCR rental financing for single-family and multifamily investment properties, with low or no prepayment penalty options.
Multi-year interim financing that bridges an acquisition, stabilization, or refinance — with no prepayment penalties.
A 30-year loan that qualifies you through bank statement analysis — built for self-employed investors and business owners.
The AE Capital advantage
A lender that works like a partner.
We've heavily invested in our people, processes, and technology so every investor gets an exceptional experience — from the first conversation to the final payoff.
- 01
In-house underwriting
Underwriting, construction loan management, and servicing teams work under one roof — so decisions don't wait on a third party.
- 02
A dedicated team, start to payoff
From your initial conversation to the final payoff, you work with the same dedicated team of lending specialists.
- 03
Construction loan management
Draws are administered in-house and fund in as little as one business day, keeping your project on schedule.
- 04
Digital deal submission
Submit a deal through the online portal in minutes. Deals submitted directly through the portal get a response within 24 hours.
- 05
Flexible financing
Six programs spanning value-add, bridge, construction, and long-term rental financing — with no prepayment penalties on short-term loans.
- 06
Relationship-focused
We aim to be a long-term partner in your real estate journey, offering the support and resources you need to grow.
Built for real estate investors
From first flip to full portfolio.
We presently finance transactions involving 1–10 units, prioritizing urban and suburban locations. Our specialties include fix & flips, rental properties, and house hacks.
Single-family homes in urban and suburban markets — our core focus.
Explore Buy & Hold LoansOur lending process
Six steps. Measured in minutes, not weeks.
A digital-first lending experience designed around investors. Submitting a deal takes minutes — and our team responds within 24 hours.
- 1
Submit a Deal
Click Submit a Deal to create an account or sign in, then input the details for your project.
- 2
Confirm Your Closing Date
Make sure your closing date is accurate and in line with the closing timelines listed in our FAQ.
- 3
Our Team Responds
Our team responds within 24 hours to clients who submit a deal directly through the portal.
- 4
Eligibility Email
If your deal is eligible for financing, you'll receive an automated email about your deal.
- 5
Provide Information
Upload the information and documents requested for your file so it's ready for underwriting.
- 6
Title, Insurance & Closing
Our fulfillment team orders title and insurance and reaches out for any additional information needed to close.
Lending criteria
Know where your deal stands — before you submit.
Our published fix & flip financing criteria. Rental, construction, and bank statement programs have their own ratios — see each program for details.
- Credit score
660+
660 minimum FICO and no serious delinquencies in the past 2 years.
- Max loan ratios
90% / 75%
Up to 90% loan to cost and 75% loan to after-repair value.
- Loan amount
$100K – $1.5M
Per property; minimum $50,000 per unit on 2+ units.
- Property type
1–8 units
Single-family, 2–4 unit, or 5–8 unit. Manufactured and mixed-use properties are not eligible.
- Minimum liquidity
$25K+
$25K minimum down payment, plus closing costs and 3 months of payments.
- Prepayment
None
No prepayment penalties on fix & flip loans.
- Purpose
Buy + renovate
Short-term mortgages to buy and renovate properties.
- Guarantor
One signer
One guarantor and signer with at least 25% ownership of the borrowing entity.
Full eligibility criteria
All loans are subject to underwriting review and approval. Program terms, ratios, and eligibility requirements are subject to change without notice. This is not a commitment to lend.
Quick deal check
0/4
Might your fix & flip deal fit?
Not every box checked? Other programs have different requirements — talk with our team about the right fit.
Call 310-810-1374This self-check is for general guidance only and is not a credit decision, pre-approval, or commitment to lend. Nothing you select here is stored or submitted.
Our team in focus
The people behind your capital.
CEO & Founder
Antonio Edwards
“My mission is to provide real estate investors with the funding resources they need, provided by experts who have the knowledge, experience, and patience — for investors who not only need funding for their deals, but who are also seeking a smooth experience. My goal is to help you get the funding you need so that you can take your real estate portfolio to the next level as quickly as possible.”
Antonio Edwards is widely acclaimed as one of the most successful real estate investors and leading educators in the U.S. today. After starting real estate with no money, years of trial and error, including more than a few painful mistakes and shaping lessons in the school of hard knocks, he eventually cracked the code to becoming a master in the real estate world.
Antonio has 15 years of real estate investing experience and has closed nearly 1,000 real estate investment properties.
Questions & answers
Straight answers.
The questions real estate investors ask us most. Don't see yours? Call us at 310-810-1374.
All FAQsWe 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.
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 or platform.
We do not. We'll lend up to 90% loan to cost depending on experience.
The first step is to connect with our team to align you with the right product. From there, an AE Capital Partners advisor will help you create your account and submit your deal through the portal.
This depends on the type of loan product. 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.
We only require one guarantor and signer with at least 25% ownership of the entity.
The most common reasons are:
- The property is not in a state that we finance, or is in a location that an appraiser would consider rural.
- Property value (or purchase price).
- Credit score.
- Liquidity.
- Newer investors taking on extensive rehab projects.
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). We also offer short-term rental and bank statement loan programs.
Ready when you are
Your next investment starts with the right capital.
Whether you're acquiring, renovating, building, or expanding your portfolio, connect with a lending partner that understands real estate investing.
Prefer to talk? Call 310-810-1374