Phoenix Capital is a principal private money lender backing real estate operators who move decisively. Like the phoenix — Egyptian, Greek, and older still — we fund rebirth, reconstruction, and return.
A traditional mortgage backed by Fannie Mae or Freddie Mac guidelines — ideal for borrowers with established credit and stable income. Available as 30-year fixed, 15-year fixed, and 5/6 or 7/6 ARMs.
Loan amounts up to current conforming limits
As little as 3% down for first-time buyers
15- and 30-year fixed-rate options
5/6, 7/6, and 10/6 ARM options available
PMI removable at 20% equity
Primary residence, second home, or investment property
02
FHA Loan
Low down payment, flexible credit — backed by HUD.
Government-insured loans designed to expand homeownership access. Ideal for first-time buyers, recovering credit, or higher debt ratios. Down payment can be as low as 3.5%.
3.5% minimum down payment
580+ FICO at full leverage; 500–579 at 10% down
DTI up to 56.9% with compensating factors
Gift funds allowed for 100% of down payment
Streamline refinance available
Assumable by qualified buyers
03
VA Loan
0% down for those who served.
100% financing for eligible active-duty service members, veterans, and qualifying surviving spouses. No PMI, competitive rates, and no prepayment penalty.
0% down payment required
No private mortgage insurance
Funding fee can be financed into loan
30-year fixed and ARM options
VA Interest Rate Reduction Refinance (IRRRL) available
Multiple uses across a lifetime
04
Bridge & Bridge-Cross Loan Program
Close fast. Compete with cash.
Use our Signature Bridge Loan product to close quickly on your next investment property, then convert to a Rental or conventional loan on your timeline. Close in your personal name or LLC. Use our quick-close option to compete with cash offers.
Purchase, Refinance, or Cash-Out Refinance — designed for investors who need to win the deal before the next lender even returns a call.
Investment Properties Only
Close in 3–5 Days
No Experience Necessary
In-House Underwriting
In-House Capital
Lending Since 2006
05
Renovation Loan Program
Capital that funds your next flip.
Use our Signature Renovation loan to fund your next flip project. Whether you've flipped 100 properties or this is your first, we provide fast, dependable, proven capital at competitive rates to make your next project profitable.
Want to Buy and Hold? Use the BRRRR Method — our capital lets you Buy, Rehab, Rent, Refinance & Repeat.
Investment Properties Only
Close in 3–5 Days
First-Time Flippers Welcome
Higher Leverage With More Experience
Lending Since 2006
06
Rental Loan Program
Long-term hold, investor-friendly terms.
Use our elite Rental loan product to purchase or refinance your rental property on a 30-year fixed at competitive rates — without using tax returns or personal income to qualify. Our rates are near conventional, with less hassle and more investor-friendly options.
BRRRR Method ready: refinance to permanent fixed rates once your remodel is complete and the property is rented. Also available as a Short-Term Rental (STR) Loan.
Investment Properties Only
No Tax Returns Needed
First-Time Investors Welcome
Lending Since 2006
07
Phoenix Business Funding
Multiple top funders. One 5-minute application.
Get your best funding options fast with our multi-funder platform — a single application that puts top funders in competition for your business, improving approval odds and repayment terms.
Lowest repayment rates in the industry, for top-performing businesses.
Smart funding for established businesses. Choose flexible pricing with 100% early-payoff interest waived, or our lowest rate with 25% interest savings on early payoff. Repayment as low as 1.15–1.25x vs. the industry's standard 1.26–1.5x.
Same-day capital for smaller businesses and gig workers.
Get $300 to $20,000 today. Apply, link your bank in minutes, review your terms in seconds, and accept funding instantly — designed for newer businesses and gig workers who don't fit traditional underwriting.
