Direct access
Direct access to the decision-maker.
How It Works
A clear path from your project details to closing, with direct communication at every step.
Step by Step
What happens after you submit your deal
We aim to provide an efficient initial review when we receive the basic property, borrower, financing, and exit-strategy information.
- 1
Submit the deal
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.
- 2
Initial deal review
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.
- 3
Underwriting and proposed terms
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.
- 4
Closing and funding
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.
How fast can we fund?
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.
What we review initially
Property
Location, property type, current condition, occupancy, purchase price or current value, and intended use.
Project
Renovation scope, budget, timeline, contractor information, permits, and expected completed condition.
Borrower
Experience, financial strength, available liquidity, entity structure, documentation, and prior project history.
Financing
Requested loan amount, purchase or refinance purpose, proposed leverage, loan term, and use of proceeds.
Repayment plan
Sale, refinance, rental stabilization, or another documented repayment strategy.
Not every factor carries the same weight in every transaction. The complete opportunity is reviewed together.
What we may request
- Purchase contract or current ownership information.
- Property details and photos.
- Renovation scope and budget.
- Contractor or project information.
- Comparable sales or valuation support.
- Borrower identification and entity documents.
- Prior project history.
- Bank statements or reserve verification.
- Insurance information.
- Proposed exit strategy.
- Other documentation needed for underwriting and closing.
Required documents vary by transaction. We will identify the documents needed for the specific opportunity.
View Loan RequirementsWhat may be included in proposed terms?
- Proposed loan amount.
- Interest rate.
- Points.
- Loan term.
- Estimated monthly interest.
- Purchase and renovation funding.
- Required borrower equity.
- Reserve requirements.
- Draw structure.
- Minimum interest.
- Closing conditions.
- Extension provisions, if applicable.
- Expected payoff or exit requirements.
- Lender and third-party costs.
Proposed terms are subject to review, documentation, final approval, and closing conditions. A preliminary discussion or indication of interest is not a commitment to lend.
What happens before closing?
- 1
Confirm the proposed terms.
Review the proposed loan amount, pricing, leverage, reserves, fees, and conditions.
- 2
Complete due diligence.
Provide required property, borrower, title, insurance, entity, valuation, and project documentation.
- 3
Resolve open conditions.
Address questions, missing documents, title items, insurance requirements, valuation issues, or project concerns.
- 4
Coordinate the closing.
Work with the title company, attorney, escrow agent, borrower, and other closing professionals.
- 5
Sign and fund.
Complete the required closing documents and satisfy the final funding conditions.
Closing timing depends on the transaction and the completion of all required conditions.
How renovation draws generally work
For approved projects, renovation funds may be advanced in draws as work is completed and verified. Draws are generally subject to the loan documents, project budget, inspections, photographs, invoices, receipts, lien waivers, contractor information, or other required documentation.
- 1.Complete an approved portion of the work.
- 2.Submit the required draw documentation.
- 3.Complete any required inspection or verification.
- 4.Address questions or outstanding conditions.
- 5.Receive the approved draw according to the loan documents.
Draw amounts, timing, inspection requirements, and documentation vary by project. Approval of a loan does not guarantee approval of every future draw request.
Who will I communicate with?
DS Capital Connect is built around direct communication. Borrowers can discuss the opportunity, proposed terms, documentation, project questions, and payoff process with the lending team.
Communication does not replace required underwriting, inspections, documentation, title review, insurance, or closing procedures.
Call the Decision-MakerHow is the loan repaid?
The loan may be repaid through the sale of the completed property, a refinance into permanent or rental financing, a cash-out refinance, the sale of another property, or another documented repayment source.
The borrower should communicate with DS Capital Connect before the scheduled maturity date if the expected repayment plan changes.
If the loan will not be repaid by maturity, extension terms, additional interest, fees, or other conditions may apply. Borrowers should review the loan documents and contact the lender before maturity.
Before you submit your deal
- Know the property address.
- Know the purchase price or current value.
- Estimate the renovation budget.
- Estimate the completed or stabilized value.
- Identify the desired loan amount.
- Prepare a basic exit strategy.
- Identify the desired closing date.
- Gather available property photos and project information.
- Be prepared to discuss your experience and available reserves.
You do not need to have every document ready before starting the conversation, but complete information helps us evaluate the opportunity more effectively.
Submit Your DealHave a property under contract or a project ready to finance?
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.
A Better Borrowing Experience
Why investors work with DS Capital Connect
Local knowledge
Local Capital Region market knowledge.
Clear expectations
Clear lender pricing and transaction expectations.
Relationship focused
Relationship-focused support from application through payoff.
Frequently Asked Questions
What Borrowers Want to Know
Do you lend to LLCs?
Yes — our loans are business-purpose loans made to LLC borrowers only, not to individuals purchasing personal residences.
Do you check credit?
Yes, but it is one piece of the picture, not a pass/fail cutoff. We use a TransUnion SmartMove report to review credit and background alongside your track record, cash reserves, and the deal itself.
What is the $48 fee for?
That is the cost of the TransUnion SmartMove credit and background check, paid directly by you through their platform. It is not a fee we collect.
How quickly can I receive an initial deal review?
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.
Do you work with first-time flippers?
Generally, we look for borrowers with a track record of at least a few completed projects. If you are newer, a personal introduction or referral from someone we know can help us evaluate the opportunity.
What loan amounts are available?
Loans generally range from $100,000 to $400,000. The amount available depends on the borrower, property, valuation, project budget, documentation, and exit strategy.
Do you fund renovations?
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.
What types of properties do you finance?
We finance qualifying non-owner-occupied investment properties for fix-and-flip, buy-and-hold, BRRRR, and cash-out refinance strategies.
Are there any hidden fees?
We explain lender charges and identify standard third-party costs such as title, legal, escrow, recording, and insurance expenses before closing whenever possible.
What areas do you serve?
We focus on New York's Capital Region, including Albany, Schenectady, Saratoga, Rensselaer, and surrounding counties.
What information should I submit?
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.
Are these business-purpose loans?
Yes. These are business-purpose loans for investment property and are not intended for an owner-occupied personal residence.
How much of my own money do I need?
The required contribution and reserves depend on the property and borrower. We review leverage, liquidity after closing, project costs, and the repayment plan together.
What documentation do I need?
Documentation varies by transaction. A signed purchase contract is needed for a purchase term sheet, and we will explain the remaining entity, property, financial, title, insurance, and project documents required for your situation.
What happens after I submit my deal?
We complete an initial deal review of the property, borrower, financing, project, and repayment information to see whether the opportunity may fit our lending parameters. If it appears to fit, we move into more detailed underwriting and discuss proposed terms. An initial review is not an approval or a commitment to lend.
What factors affect approval?
We look at the property and its condition, the renovation scope and budget, the valuation support, your experience and prior projects, your entity and documentation, available liquidity and reserves, the requested leverage, and your repayment or exit strategy. The complete opportunity is reviewed together, subject to underwriting.
How are interest rates and points determined?
Pricing is set within our general guidelines and depends on the borrower, property, leverage, project scope, documentation, and exit strategy. Proposed terms are subject to review, documentation, final approval, and closing conditions.
How are renovation draws handled?
For approved projects, renovation funds may be advanced as draws after work is completed and verified. Draw requests are generally subject to the loan documents, project budget, inspections, photos, invoices, receipts, lien waivers, and contractor information. Approval of a loan does not guarantee approval of every future draw request.
What can delay closing?
Common items include incomplete submissions, title or lien issues, insurance requirements, valuation or inspection questions, entity and ownership documentation, contract deadlines, renovation or contractor information, and response times from the borrower and closing professionals.
What happens if my project takes longer than expected?
Contact us before the scheduled loan maturity date. If the loan will not be repaid by maturity, extension terms, additional interest, fees, or other conditions may apply. Borrowers should review their loan documents and reach out early.
How is the loan repaid?
The loan may be repaid through the sale of the completed property, a refinance into permanent or rental financing, a cash-out refinance, the sale of another property, or another documented repayment source.
Does submitting an inquiry guarantee approval?
No. Submitting an inquiry does not guarantee approval and does not create a commitment to lend. It starts a conversation and an initial deal review.
Have a question that's not answered here?
Reach out directly — no call center, no loan committee.
Ask a QuestionWant to know whether your deal may fit?
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.