Frequently Asked Questions

Find answers to common questions about our lending solutions

General Questions

What makes 411 Capital Lender different from traditional banks?

Unlike traditional banks, 411 Capital Lender specializes in providing fast, flexible financing solutions specifically designed for real estate investors and business owners. Here’s what sets us apart:

Faster approval and funding timelines (days instead of weeks or months)
Greater flexibility in loan structures to accommodate diverse investment strategies
Focus on property value and investment potential rather than solely on borrower credit
Expertise in investment real estate and business capital needs
Personalized service with direct access to decision-makers
We understand investment opportunities often require quick decisions and funding, which is why we’ve streamlined our processes to help you capitalize on time-sensitive deals.

What geographic areas do you serve?

411 Capital Lender provides financing solutions in all 50 states. We have particular expertise in major metropolitan areas and growing markets across the United States. Whether you’re investing in urban centers, suburban communities, or emerging markets, our team has the knowledge and capabilities to support your financing needs nationwide.

What types of properties do you finance?

We finance a wide range of property types, including:

Single-family residences
Multi-family properties (2-4 units and 5+ units)
Mixed-use buildings
Office buildings
Retail properties
Industrial properties
Land with development plans

If you have a property type not listed here, please contact us to discuss your specific situation. We evaluate each opportunity on its merits and may be able to create a customized solution.

How quickly can I get funded?

Our funding timelines vary by loan type, but we pride ourselves on speed and efficiency:

Initial approvals typically occur within 24-48 hours of receiving your complete application
Fix & Flip and Bridge loans can close in as little as 7-10 business days
Rental property and commercial real estate loans generally close within 2-3 weeks
Business loans can fund in as few as 5-7 business days, depending on complexity

For time-sensitive opportunities, we can sometimes expedite the process further. Be sure to communicate any urgent timelines when applying, and we’ll work to accommodate your needs.

What credit score is required for your loans?

While we consider credit scores as part of our underwriting process, we take a holistic approach to loan approval. Different loan products have different credit requirements:

For real estate investment loans (Fix & Flip, Rental): Minimum 620 credit score preferred, though exceptions can be made for strong deals
For DSCR No Ratio loans: Minimum 700 credit score
For commercial real estate: Typically 650+ credit score
For business loans: 650+ for optimal terms

Even if your credit score is below these thresholds, we encourage you to apply. We evaluate each application individually, considering factors such as property value, investment experience, and strength of the deal.