Fix-and-flip
Finance the purchase and eligible renovation costs for projects intended for resale.
Explore Loan ProgramsLoan Programs
Straightforward short-term financing for qualifying investment properties in New York's Capital Region. Every program is subject to underwriting, valuation, and title review.
Investment Strategies
Financing for your investment strategy
Business-purpose financing for qualifying borrowers and investment properties.
BRRRR
Use a purchase, renovation, rental, and refinance strategy where the property and borrower qualify.
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Cash-out refinance
Access equity in an eligible investment property for business or investment purposes.
Explore Loan ProgramsAt a Glance
Private financing for investment properties
- Loan amounts
- $100,000–$400,000
- Loan types
- Fix-and-flip, buy-and-hold, BRRRR, and cash-out refinance
- Loan term
- Generally 12 months, interest-only (payments generally cover interest only)
- Pricing
- 12%–14% interest and 1–3 points, depending on the transaction
- Renovation financing
- May be available in arrears, subject to approval and project conditions
- Service area
- Albany, Schenectady, Saratoga, Rensselaer, and surrounding counties
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.
Who We Help
Who We Help
We work best with real-estate investors who have a well-defined project, realistic numbers, sufficient liquidity, and a clear repayment plan.
We are generally not the right lender for owner-occupied homes, unsecured business loans, or projects outside our lending area.
- Fix-and-flip investors
- BRRRR and value-add investors
- Experienced local landlords
- Borrowers purchasing distressed or underperforming properties
- Contractors and real-estate professionals entering investment projects
- Repeat borrowers who need dependable local financing
Want 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.
This information is for general purposes only and does not constitute a commitment to lend. All loans are subject to underwriting, valuation, title review, documentation, applicable requirements, and final approval.
DS Capital Connect provides business-purpose financing for eligible real-estate investment transactions. These loans are generally intended for business or investment purposes and are not intended for personal, family, or household use.