FAQs

A Syntra Point Capital loan is a short-term, asset-based loan secured by real estate and funded by private capital.

Borrowers typically receive 70–85% of a property’s purchase price or value. Loans are generally repaid within 6–18 months, often with interest-only payments and a balloon payment at the end of the term.

Yes. We regularly evaluate residential, rental, and commercial real estate transactions. We evaluate transactions based on the asset, the execution plan, and sponsor experience — not rigid institutional checklists.

Approvals are typically granted within 24 hours and settlements can take place in less than a week. Many loans we close are within a few business days. Remember, however, that the lender does have due diligence and underwriting to conduct depending on the overall project. This may include: property inspections, order and inspect title work, and have lender documents drafted.

Yes. If your transaction requires a lender pre-approval letter, we can typically provide one the same day after reviewing the deal.

Hard money loans typically include 2–3 points, depending on the project.

One point equals 1% of the loan amount. Points may be paid at closing or sometimes rolled into the loan.

Borrowers may also be responsible for third-party costs such as property inspections, document preparation, or underwriting fees. All fees are disclosed upfront.

Private loans are best suited for short-term real estate investments such as acquisitions, renovations, or bridge financing.

They are generally not appropriate for long-term financing, owner-occupied properties, or transactions with very little equity.

Most private lenders prefer to stay below 70–75% loan-to-value to ensure adequate collateral protection.

No. Syntra Point Capital provides business-purpose loans only. We do not lend on owner-occupied primary residences due to federal and state consumer lending regulations.

Loan terms vary depending on the asset, leverage, and project complexity.

Most loans are short-term bridge loans with interest-only payments and terms typically ranging from 6 to 18 months.

Pricing and structure are finalized after the deal is reviewed.

Prepayment terms vary by transaction. While most loans do not have a prey-payment penalty, in some cases we require a minimum interest period to ensure investors receive a baseline return. Any prepayment terms are clearly disclosed during the approval process.

Most deals can be reviewed with just a few key details: property address, purchase price, estimated after repair value (if applicable), renovation budget, and your exit strategy. Additional documentation may be requested during underwriting.

Often, yes. Secondary financing or seller-held notes are sometimes permitted depending on the structure of the transaction. As the senior lender, our loan must remain in first lien position, and any secondary financing must be disclosed and approved.

Yes. We require a title search and lender’s title insurance to ensure clear ownership and confirm our first lien position.

Borrowers are responsible for standard title and escrow closing costs associated with the transaction.

No. Each deal is evaluated independently. If the transaction makes sense, the number of properties you own is generally not a limiting factor.

Sometimes. Loan leverage depends on the purchase price, property value, and project plan. In some cases borrowers are required to contribute capital to the transaction, while in others the loan may cover most or all of the purchase price and rehab (if applicable).

Closing costs are typically the borrower’s responsibility.

Not always. In many cases we can evaluate the property using internal valuation methods, broker price opinions (BPOs), or comparable sales.

A full appraisal may be required for certain transactions depending on the asset and loan structure.

Syntra Point Capital is based in Colorado and lends nationwide on a case-by-case basis depending on the deal.

Start by submitting a Loan Application or contacting us directly.

We will review the deal, evaluate the property, confirm clear title, and determine whether the transaction fits our lending criteria. The process is typically much faster than traditional bank financing.

Yes. We regularly work with mortgage brokers and referral partners. If you have a borrower who needs fast private financing, feel free to submit the deal or contact us to discuss the opportunity.

Sometimes. Documentation requirements vary by transaction. After an initial review of the deal, we will let you know which documents are required for underwriting.

Syntra Point Capital is a commercial / business-purpose lender and does not originate consumer mortgages.

We lend exclusively on investment and commercial real estate, and our loans are funded either directly by us or through private capital partners.

No. Most loans are interest-only with a balloon payment due at the end of the term, typically 6–18 months.

In certain situations we may offer amortizing structures for stabilized income-producing properties.

Loans are typically based on the property’s value, which may include the after-repair value (ARV) for renovation projects.

If a property is purchased significantly below its value, it may be possible to finance most or all of the purchase price depending on the deal structure.

Sometimes. In certain cases points may be rolled into the loan. Most other closing costs — including title, escrow, and third-party fees — are typically paid at closing.

Our loans are used by real estate investors, house flippers, landlords, and builders who need fast capital for acquisitions, renovations, or bridge financing.

Speed, flexibility, and simplicity.

Our loans are designed for time-sensitive real estate transactions where traditional bank financing may be too slow or restrictive. Private capital allows approvals and funding in days rather than weeks or months.

Most loans close within 5–10 business days, depending on the property and documentation.

In certain cases, term sheets can be issued the same day, with funding possible in as little as a few days once title and underwriting are complete.

We finance a wide range of investment properties, including:

• Single-family rentals
• Fix-and-flip projects
• Multifamily properties
• Mixed-use buildings
• Commercial properties
• Land with a development plan

Our primary focus is the value of the real estate, the deal structure, and your exit strategy. Credit scores may be reviewed but are typically not the primary qualification factor.

Loan amounts typically range from $75,000 to $2,000,000+, depending on the property and deal structure. Maximum loan size is determined by the property value and our loan-to-value (LTV) guidelines.

Typical loan terms include:

• Loan term: 6–18 months
• Interest rates: 9%–14%
• Origination fees: 1–3 points
• Payments: Interest-only

Loan amounts typically range up to 65–75% of the property’s value or after-repair value (ARV), depending on the deal structure, borrower experience, and property type.

Yes. We offer refinance solutions including cash-out refinances, bridge loans, and short-term financing for investment properties.

Yes. For renovation projects, we may fund both the purchase and the rehab budget. Construction funds are typically released through draw requests as work is completed.

If you need fast, flexible financing for a real estate investment opportunity, a Syntra Point Capital loan may be a good fit. Our loans are designed for borrowers who need to move quickly without the delays of traditional bank financing.

Submit your deal online or call us directly. We review most deals within 24 hours and provide a term sheet outlining next steps. Once approved, we can close quickly and fund your project in just a few days.