CALVIN FUNDING
Private Money for your Real Estate Vison
REFINANCE
Refinancing an investment property is key to accelerated growth and financial flexibility. A Cash-Out Refinance unlocks built-up equity, providing immediate, tax-advantaged capital that can be quickly reinvested into new acquisitions, allowing you to rapidly scale your portfolio. Alternatively, the Refinance, Repair, and Sell strategy is an immediate profit booster. By securing funds for necessary property repairs and upgrades through a refinance, you significantly increase the property’s market value, ensuring a much higher sale price and maximizing your final return on investment. Both options put you in greater control of your capital and investment timeline.
PURCHASE FIX & FLIP
Fix and Flip and Fix and Hold strategies offer investors distinct pathways to profitability. Fix and Flip is focused on high-speed returns: the primary advantage is generating rapid, high-percentage profits through efficient renovations and quick sales, allowing capital to be swiftly redeployed into the next deal. Conversely, Fix and Hold is centered on generating long-term wealth: the advantage lies in creating consistent passive income through monthly rental cash flow, benefiting from tax deductions, and building substantial equity through sustained property appreciation. Both models use value-add improvements to maximize the final financial outcome, whether it’s a large lump sum profit or steady, increasing long-term income.
PROBLEM PROPERTY
Those requiring extensive repair, facing foreclosure, or situated in transitional areas—are often instantly rejected by traditional banks due to strict risk models that prioritize pristine assets. This is where private money lending steps in. We focus on the property’s underlying asset value and your investment plan, providing the fast, flexible capital banks won’t. This financing is a crucial benefit for investors, allowing them to seize time-sensitive opportunities for Fix and Flip or Fix and Hold strategies. Crucially, the funding doesn’t just benefit the investor; by financing the renovation of these distressed assets, you directly contribute to improving the neighborhood by eliminating blight, increasing local property values, and fostering community revitalization.
Our Services
It’s Fast
In the investment world, time is money. A quick closing can be the difference between securing a lucrative deal and missing out entirely.The Calvin Funding Difference: We bypass the bureaucracy and endless paperwork of traditional banks. While banks take 1–3 months, we focus on the asset and the deal’s viability, allowing us to approve and fund your loan in a matter of days or weeks. This speed gives you a powerful competitive advantage when making offers on properties.
It Looks at Collateral, Not You
Traditional lenders are obsessed with your personal credit history, income statements, and debt-to-income ratios—factors that often disqualify savvy investors with complex finances.
- The Calvin Funding Difference: As asset-based lenders, our primary concern is the value and equity of the real estate collateral. We want to see that the property (post-repair value) provides solid security for the loan. This means your personal financial history is less of a barrier, allowing you to secure funding based on the strength of your investment.
It’s Everywhere
Private money is available precisely because it offers individuals and private firms a way to deploy their capital for a higher return than low-yield vehicles like CDs or bonds. This means there is an active, eager lending market ready to fund your project.
- The Calvin Funding Difference: We leverage private capital for high-yield, secured real estate investments. By partnering with us, you are tapping into a resource pool that is specifically looking to fuel deals like yours, ensuring the capital you need is readily available to move your projects forward.
It’s Creative
Banks have rigid underwriting standards that prevent them from lending on properties that need significant work, are vacant, or are simply non-conforming. This creates a massive opportunity for private investors.
- The Calvin Funding Difference: We specialize in financing properties that require renovation (fix-and-flips), construction, or are a bridge to traditional financing. We look at the potential of the property—the promised post-rehab value—allowing you to fund promising investment properties that other lenders would immediately reject.
It’s Flexible
Unlike a bank’s standardized loan products, private money lenders have the freedom to structure loans that truly fit the needs and timeline of a specific investment project.
- The Calvin Funding Difference: We offer customized terms, repayment schedules, and loan structures designed around the specific timeline and exit strategy of your project. Whether you need a short-term bridge loan for a quick flip or a specific draw schedule for construction, Calvin Funding is more willing to work with you to develop a creative structure that ensures your project’s success.
5. It’s Everywhere: Capital That Maximizes Potential
Testimonials
We bought a severely distressed property that no bank would touch. Calvin Funding immediately saw the potential and had a term sheet back to me within 48 hours. They understood the exit strategy and guided us through the entire process. They don’t shy away from complex deals; the embrace them. They are now my exclusive source for Private Money
“The difference with Calvin Funding is the communication. I was never left waiting or wondering where my loan stood. Their team was professional, transparent and responsive from the initial application to the final closing wire. Knowing I have a reliable funding partner like them allows me to focus entirely on finding and managing my next great deal”
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