DS Capital Connect is a direct private lender for experienced real-estate investors seeking financing for fix-and-flip, buy-and-hold, BRRRR, and cash-out refinance projects.
Review your deal directly with a local decision-maker and receive clear terms without unnecessary lender layers.
Tell us about the property, the project, and your target closing date.
Local underwriting • Direct communication • Clear loan terms
Points are an upfront loan fee calculated as a percentage of the loan amount. One point equals 1% of the loan amount.
Published terms are general guidelines. Exact pricing, leverage, reserves, draw terms, fees, and closing conditions depend on the borrower, property, valuation, documentation, project budget, and exit strategy.
Information shown is based on company records and may include completed, active, or previously funded transactions. Results and loan terms vary by borrower, property, project, and market conditions.
Real-estate investors often need more than a loan rate. They need a lender who understands the property, responds quickly, explains the terms clearly, and stays involved through closing, draws, and payoff.
We aim to provide an efficient initial review when we receive the basic property, borrower, financing, and exit-strategy information. Closing timing depends on the completeness of the file, title, insurance, valuation, documentation, and other closing conditions.
Efficient initial deal review
Before you move forward, we explain the proposed interest rate, points, leverage, reserves, closing conditions, and other important terms as clearly as possible.
Clear expectations before closing
Work directly with the decision-maker instead of being passed between multiple departments. We aim to keep communication straightforward from initial review through payoff.
Direct access to your lender
We explain lender charges and identify standard third-party costs, such as title, legal, escrow, recording, and insurance expenses, before closing whenever possible.
Transparent loan economics
We evaluate the borrower, property, purchase price, renovation budget, estimated value, available reserves, and exit strategy together—not just one number in isolation.
Deal-specific underwriting
Business-purpose financing for qualifying borrowers and investment properties.
Finance the purchase and eligible renovation costs for projects intended for resale.
Explore Loan Programs
Use a purchase, renovation, rental, and refinance strategy where the property and borrower qualify.
Explore Loan Programs
Access equity in an eligible investment property for business or investment purposes.
Explore Loan ProgramsDirect access to the decision-maker.
Local Capital Region market knowledge.
Clear lender pricing and transaction expectations.
Relationship-focused support from application through payoff.
Every investment property has its own purchase price, renovation plan, valuation, borrower profile, and exit strategy. Our lending decisions are based on understanding the complete opportunity.
Fix & Flip
Purchase and renovation financing
Fix & Flip
Purchase and renovation financing
Fix & Flip
Purchase and renovation financing
"I had a contract with a 10-day close and DS Capital Connect made it happen. No runaround, no last-minute surprises on terms — just a straightforward term sheet and a fast closing. This is who I call first now."
Repeat borrower, Capital Region
Fix-and-flip investor
"What I appreciate most is that I'm talking to Dan directly, not a processing center. When I had a question about my draw schedule, I got an answer in minutes, not days."
Buy-and-hold investor, Capital Region
Buy-and-hold
"No junk fees, no surprises at closing — the numbers on the term sheet matched the numbers at the table. For a BRRRR deal where timing matters, that reliability is worth more than shaving a point off the rate."
Repeat borrower, Capital Region
BRRRR investor
Testimonials reflect individual borrower experiences. Individual experiences and results vary.
DS Capital Connect is a local, direct private lender focused on investment-property financing in New York’s Capital Region. We take the time to understand the property, the project, the borrower, and the repayment plan so we can have a productive lending conversation.
Dan is the Managing Member of DS Capital Connect, a Certified Private Lender, a licensed Realtor, and a CRREIA sponsor.
We aim to provide an efficient initial review when we receive the basic property, borrower, financing, and exit-strategy information.
Send us the basic details about the property, purchase or refinance request, renovation budget, estimated value, requested loan amount, exit strategy, and desired closing date.
Providing complete information at the beginning helps us evaluate the opportunity more efficiently.
We review the basic property, borrower, financing, project, and repayment information to determine whether the opportunity may fit our lending parameters.
An initial review is not an approval or commitment to lend.
If the opportunity appears to fit, we review the borrower, property, valuation, purchase price, renovation budget, reserves, experience, documentation, and exit strategy in greater detail.
Potential terms may include the interest rate, points, loan amount, leverage, reserves, draw structure, fees, and closing conditions.
After the required due diligence, title, insurance, entity, legal, valuation, and closing requirements are satisfied, the transaction can proceed toward closing and funding.
Closing and funding depend on the completeness of the file and satisfaction of final conditions.
We can fund within five business days.
Submitting an inquiry does not guarantee approval or create a commitment to lend. All loans are subject to underwriting, documentation, valuation, title, insurance, and final closing conditions.
Send us the basic property, project, borrower, and financing information. We will review the opportunity and let you know whether it may fit our lending parameters.
Closing timing depends on the completeness of the file, title, insurance, valuation, documentation, borrower responsiveness, and other closing conditions.
Submitting an inquiry does not guarantee approval or create a commitment to lend. All loans are subject to underwriting, documentation, valuation, title, insurance, and final closing conditions.
Interest rate is only one part of the cost of a private loan. Before moving forward, compare the complete cost of financing, including interest, points, lender fees, third-party charges, draw requirements, minimum interest, extension provisions, and closing conditions.
DS Capital Connect aims to explain known lender charges and expected transaction costs as early as practical so borrowers can evaluate the financing with a clearer understanding of the economics.
We do not charge application, processing, underwriting, document-preparation, draw, or servicing fees. Points are an upfront loan fee calculated as a percentage of the loan amount. One point equals 1% of the loan amount.
Third-party costs are not always controlled by the lender and may vary by property, location, title condition, closing professional, insurer, inspection requirements, and transaction structure.
Two loans with different interest rates may have different total costs. Compare the rate, points, minimum interest, lender fees, draw requirements, extension terms, closing conditions, and expected holding period before choosing a financing option.
Loan structures vary among lenders. Borrowers should compare the total cost, leverage, draw process, minimum interest, closing conditions, extension provisions, and communication expectations — not only the interest rate.
Interest rates and points vary by transaction. Current general guidelines are 12%–14% interest and 1–3 points, subject to the borrower, property, leverage, project risk, and exit strategy.
Minimum interest: generally three months of interest. This means the borrower may owe at least the stated minimum interest amount even if the loan is repaid earlier.
Interest-only payments generally cover the interest due during the loan term and do not reduce the principal balance. The outstanding principal is generally due at payoff, refinance, sale, or maturity. Payoff terms are set in each borrower's loan documents and are not identical for every loan.
Renovation and sale timelines can change. If the loan is not repaid by the scheduled maturity date, extension terms, fees, additional interest, or other conditions may apply. Borrowers should review the loan documents and communicate with the lender before maturity. Extensions are not automatic or guaranteed.
Every loan is different. The best way to understand potential terms is to discuss the specific property, project, borrower, and exit strategy.
Published terms are general guidelines. Exact pricing, leverage, reserves, draw terms, fees, and closing conditions depend on the borrower, property, valuation, documentation, project budget, and exit strategy.
We finance qualifying non-owner-occupied investment properties for fix-and-flip, buy-and-hold, BRRRR, and cash-out refinance strategies.
Loans generally range from $100,000 to $400,000. The amount available depends on the borrower, property, valuation, project budget, documentation, and exit strategy.
Once you submit the basic property and financing details, we can determine whether the opportunity may fit our lending parameters. Any timing depends on receiving complete, accurate information and is not a commitment to lend.
For eligible projects, renovation financing may be available in arrears as completed work is documented and approved. Draw terms are subject to the property, borrower, and final loan approval.
Start with the property address, purchase price or current value, renovation budget, estimated completed value, requested loan amount, exit strategy, experience, reserves, and desired closing date.
We focus on New York's Capital Region, including Albany, Schenectady, Saratoga, Rensselaer, and surrounding counties.
Yes. These are business-purpose loans for investment property and are not intended for an owner-occupied personal residence.
Review our lending programs and funded-project examples, then send us the basic details about your opportunity. We will review the information and let you know whether it may fit our lending parameters.
Prefer to speak directly? Call 518-288-6023.
Submitting an inquiry does not guarantee approval or create a commitment to lend. All loans are subject to underwriting, documentation, valuation, title, insurance, and final closing conditions.