Latest Posts

Browse our articles for helpful lending tips and advice.


Multifamily Investment Strategies

Explore the different strategies for multifamily real estate investing.

Read Multifamily Investment Strategies


Q1 Multifamily Recap and Market Overview

We take a brief look at multifamily investing in Q1 and anticipate positive outcomes in Q2.

Read Q1 Multifamily Recap


Unlocking the Power of Data Analytics: Maximizing Success in Multifamily Investments

Find out why data makes all the difference when investing in multifamily.

Read Maximize Success in Multifamily

Company News

New Capital Partners

CALCAP Lending, Inc. Announces Two New Capital Partners to Originate and Fund Apartment Loans up to $20mm.

Read New Capital Partners


Real Estate Asset Management

Understand what a real estate asset manager does to determine if working with one aligns with your investment goals.

Read RE Asset Management

Fix and Flip

The Future of Fix and Flips

Learn more about what past data and current market trends reveal about the future of fix and flip investments.

Read The Future of Fix and Flips

Real Estate Economics

How Population Trends Are Influencing The Rental Market in 2023

Take a look at how different generations are contributing to rental demand in 2023!

Read Rental Industry Trends for 2023


How to Find Investment Opportunities in 2023

Learn how to uncover unique investment opportunities in 2023!

Read Finding Investment Opportunities


How The Absorption Rate Can Help Real Estate Investors

Learn how absorption rates can help you make better real estate investments!

Read Absorption Rates For RE Investing

Construction Loans

Construction Budget and Line Item Overview

Familiarize yourself with the costs to consider for your construction budget by watching this short, helpful video!

Read Construction Budget Overview


Understanding The Four Phases of The Real Estate Cycle

Understanding the four phases of the real estate cycle is important so that you can continue to invest with confidence!

Read Understanding The Real Estate Cycle


Powerful Strategies For Real Estate Investing

Carefully consider the strategies in this article to determine which method of real estate investing would be right for you!

Read Real Estate Investing Strategies

Commercial Real Estate

Avoiding Change Orders in Commercial RE Projects

Change orders in commercial construction projects are inevitable. Use these tips to better equip yourself for success when changes occur.

Read Avoiding Change Orders


Real Estate Trends to Look Out For In 2023

Learn about what trends are impacting the real estate market in 2023.

Read RE Trends For 2023


Active Vs Passive Real Estate Investing

Understand the difference between active and passive real estate investing to determine which strategy is right for you!

Read Active Vs Passive RE Investing

Commercial Real Estate

Preparing For Real Estate Investing in 2023

Here are some ways you can prepare yourself for successful real estate investing in 2023!

Read Prepare For RE Investing


Multifamily Investing in 2023

Multifamily properties have consistently proven to be profitable investments. Learn more about what to expect from multifamily in 2023.

Read Multifamily Investing in 2023


Investing In Buy and Hold Properties

Buy and hold is a great strategy to earn passive income! Learn about buy and hold investments and what financing options to consider.

Read Buy and Hold Investments

Real Estate Economics

Investors and Developers Face Challenges Due to Rising Interest Rates

Take a look at the impact high interest rates and inflation are having on real estate developers and investors.

Read Challenges With Interest Rates

Fix and Flip

Weighing The Benefits and Risks of Fix and Flip Investments

Learn about the benefits and risks associated with fix and flip investments to determine if it’s right for you!

Read Benefits and Risks of Fix and Flips


Understanding Interest Only Loans

Learn more about how interest only loans work, the benefits and risks, and when it is most appropriate to obtain this type of financing.

Read Interest Only Loans

Commercial Real Estate

What Do Lenders Consider When Financing a CRE Loan?

Take a look at what lenders consider when funding a CRE loan and how to set yourself up for success.

Read Financing A CRE Loan

Commercial Real Estate

The Difference Between Loan Terms and Amortization

Understand the difference between loan terms and the amortization period to navigate the complexities associated with CRE loans.

Read Loan Terms Vs Amortization


Multifamily Loan Underwriting Made Simple

Here are 6 steps to guide you through the process of multifamily loan underwriting so you can feel confident and prepared.

Read Multifamily Loan Underwriting


Why Lenders Need to Have a Meticulous Process

In this article learn what makes a trustworthy lender and understand why due diligence is a crucial part of a lender’s job.

Read Lenders Due Diligence

Commercial Real Estate

Closing Costs to Expect With a Commercial Real Estate Loan

Move forward in your investment confidently and familiarize yourself with the common fees associated with the closing of a CRE loan.

Read CRE Loan Closing Costs


How Rent Control Impacts Real Estate Investors

Rent control is gaining traction as some rental markets heat up! Learn more about how this impacts real estate investors.

Read How Rent Control Impacts RE Investors


Diversifying Your Real Estate Portfolio

Want to ensure steady growth, less risk, and consistent returns on your real estate investments? Consider diversifying your portfolio!

Read Diversifying Your RE Portfolio


Understanding Cash on Cash Return

Using and understanding real estate investing calculations before securing a deal can be extremely beneficial for real estate investors.

Read Cash on Cash Return


Where People Are Moving and Why

Grow your investments by keeping up with what types of properties and locations are in demand.

Read Where Are People Moving?

Commercial Real Estate

Preparing for A Commercial Real Estate Loan

Preparing for your loan is important! Here is everything you can expect to provide when applying for a loan with CALCAP Lending!

Read Preparing for A CRE Loan

Real Estate Economics

Housing Inventory and Growth Report - Summer 2022

Here is a brief look at housing inventory and growth from Summer 2022.

Read Summer 2022 Market Report


How Technology is Impacting The Real Estate Industry

Understanding the impact that technology is having on the real estate industry is crucial in determining your real estate strategy.

Read Tech and The RE Industry


Leverage Ratios In Action

Learn more about leverage ratios in action and how certain ratios can impact your investments!

Read Leverage Ratios In Action


What is Your Exit Strategy?

Maximize returns and minimize risk by finding the right exit strategy before you invest!

Read What is Your Exit Strategy?

Commercial Real Estate

Why is Commercial Real Estate Data is So Important for Real Estate Professionals

If you're seeking an edge on the competition or looking to maximize financial success then we suggest you dive into the data!

Read Importance of CRE Data


Tips for Selecting a Private Money Lender

Consider these tips for selecting a private money lender for your next real estate investment.

Read Selecting A Private Money Lender


Filling the Country’s Housing Gap with BTRs

Find out what’s causing a boom in build to rent communities and if you should get involved!

Read Build to Rent Investments


Financing Accessory Dwelling Units to Level Up Your Investments

Discover your options for financing an accessory dwelling unit with CALCAP Lending.

Read Financing Accessory Dwelling Units


Different Types of Loans for RE Investors & When to Use Them

Learn about the different types of loans offered for investment properties and when to use them.

Read RE Investment Loans


Single Family Investing vs. Multifamily Investing

Consider the pros and cons with single family and multifamily investments to help you decide which type of property is right for you!

Read Single Family vs Multifamily


How Rising Interest Rates Impact Real Estate Investors

Interest rates are rising, but with the right strategy and loan product you can build your portfolio in any market!

Read Interest Rates and RE Investing

Fix and Flip

Pros and Cons of Fix and Flip Loans

Learn more about the pros and cons associated with fix and flip loans before you invest!

Read Fix and Flip Loans


Mitigate Risks Associated with Real Estate Investments

Learn about the different types of risk you must consider when investing in real estate and some tips on how to avoid some common issues.

Read Mitigate Risks in RE Investments


5 Advantages of Using A Private Lender

Private money lenders can offer significant benefits on real estate loans and are worth exploring for any investment property.

Read 5 Advantages of Using A Private Lender

Residential Real Estate

Why You Should Consider Investing in Residential Real Estate

Looking to invest, but you’re not sure where to start? Take a look at some of the benefits of investing in residential real estate!

Read Investing In Residential Real Estate

Commercial Real Estate

How Preferred Equity Can Be Used For Your Next CRE Investment

A creative, alternative financing option that carries reasonable risk while providing steady returns on commercial real estate investments.

Read Investing with Preferred Equity

Rental Properties

Why Single Family Rentals Are a Smart Investment

Learn about the advantages of investing in single family rentals!

Read Single Family Rentals

Fix and Flip

The Most Efficient Way to Finance a Fix and Flip

Set yourself up for success by learning about the most efficient way to finance a fix and flip!

Read Financing A Fix and Flip

Bridge Loans

What is Bridge Debt Financing and Is It Right For You?

Learn more about bridge loans and consider the pros and cons associated with this short-term financing option.

Read Is Bridge Debt Financing For You?

Real Estate Economics

Economics Suggest A Less Severe Housing Bubble

Find out how different types of RE investment opportunities are making an impact on the housing market!

Read About the 2022 Housing Bubble

Construction Loans

Why Partner With a Seasoned Construction Lender?

Alleviate risks associated with construction loans by partnering with an experienced lender.

Read Partnering w/ Construction Lenders
Palm trees in LA against a pink/blue sky.

About CALCAP Lending

A division of CALCAP Advisors, CALCAP Lending benefits from the expertise of a seasoned team of professionals with extensive, successful track-records covering a variety of disciplines and leading large, nationally-recognized institutions. A private money direct lender, CALCAP Lending provides short to mid-term financing for property investors and businesses looking to purchase, refinance, renovate, and construct residential or commercial properties.

Lending FAQs

You've got questions, we've got answers.

What is private money lending?

Private money lending is a collateral-based lending strategy that is often associated with shorter terms and more attractive features. A private money loan offers more flexibility than a conventional mortgage or bank loan.

How does a private money loan work?

Private money lenders provide financing using money from private entities. Private money loans often work as bridges to help investors gather funds to achieve their short term real estate goals, but long term, permanent options may also provide.

Why would I choose a private money lender?

There are many advantages to using a private money lender for your real estate investments! Private money lenders can be more lenient when it comes to borrower credit issues, often there are no prepayment penalties, you can leverage your cash to buy multiple properties, and private money loans are quicker when compared with institutional loans.

Can I get prequalified for a loan?

CALCAP has a responsive loan team who are able to prequalify you. Contact a loan specialist at 833.816.5580 to get started.

How long does the lending process take?

Private money lending can be a quick and painless process. From start to finish, 30 days is common, however, turn around times can be as short as 10 business days.

Can I still be approved for a loan if I have bad credit?

Generally yes, we understand that people have temporary financial issues that come up, and we want to work with you to help you rise up financially to a better place. Offsets to credit concerns may include experience as a real estate investor, good cash reserves, and/or larger down payments.

I am a broker or investor, how can I work with CALCAP?

Business is built on relationships. Ours is no different. CALCAP Value and Preferred Partners receive exclusive rates and services. For more details and to submit your application, visit our partners page.

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