Questions? We have answers.
1. What services does BM Capital Funding offer?
We provide a wide range of real estate investment services designed to help investors grow and scale. Our funding solutions include Fix & Flip, Buy & Hold, Refinance, Commercial, New Construction, and Private Money Loans. In addition, we offer essential investor tools like Proof of Funds Letters, Collateral DNA Reports, Debt Stack Reports, and exclusive high-equity off-market property leads—so you’re not competing with other investors in your area.
2. What are the benefits of private money lending?
Private money lending offers flexibility and speed that traditional banks can’t match. Benefits include:
- Fast access to capital for time-sensitive deals.
- Flexible loan terms customized to your needs.
- No minimum credit score requirements.
- Funding options for properties that may not qualify for conventional financing.
3. Are you a lender or a broker, and are there fees or commissions involved?
BM Capital Funding Solutions operates as both a lender and a broker.
If we’re unable to directly fund your deal, we’ll leverage our nationwide network of trusted private lenders to secure the financing you need. Our goal is to provide investors with the best options, competitive rates, and fast closings.
All loans include a standard 3% broker fee, which is typical across the industry.
For those seeking 100% funding, we also offer joint venture (split-equity) opportunities covering the purchase, rehab, and closing costs.
4. Do you lend on owner-occupied or consumer residential loans?
No. We only Fund or Broker business-purpose, non-owner-occupied deals. We do not offer consumer mortgages.
5. Is there a minimum credit score requirement?
For fix and flip and DSCR Loans, we have no minimum credit score requirement. We still review credit and background, and your score and overall borrowing profile will affect the rate, leverage, and terms you qualify for.
6. Do I need prior experience?
No experience is required for fix & flip loans. Experience can improve pricing, leverage, and speed, but first-time investors are always welcome. At BM Capital, we know everyone starts as a new investor, our goal is to help you scale and become an experienced, successful one.
7. How do you decide the amount to lend?
Loan amounts are based primarily on the asset under contract, not the borrower’s credit. For bridge/fix & flip loans up to 90% of purchase and 100% of rehab, with a max of about 70% of after-repair value (ARV). Our Joint Venture program covers 100% of purchase, rehab, and closing costs up to 70% of the after repair value.
8. Can I get 100% financing?
Yes! Through our joint venture funding program, we can provide up to 100% of the purchase, rehab, and closing costs, up to 70% of the property’s After-Repair Value (ARV).
9. What does “True 100% Funding” mean?
True 100% Funding means we cover your purchase, rehab, and closing costs up to 70% of the ARV when a joint venture agreement is established between BM Capital Funding and the investor.
10. What’s the Joint Venture (JV) Program?
Our Joint Venture (JV) Program is designed for contractors of any trade who want to grow beyond working for investors and start building wealth as investor-partners. With BM Capital Funding as your JV partner, you earn your regular contractor fee and also share in the profits when the property sells.
Here’s how it works:
- Bring us a property under contract, or purchase a list of high-equity, off-market leads from our Services page.
- We’ll analyze the deal, agree on the scope, budget, roles, and profit split before closing.
- You handle the rehab and cover monthly interest-only payments during the flip.
- Once the property sells, profits are split exactly as agreed—no hidden terms, no credit score or experience requirements.
This program is perfect for contractors ready to step into the investor role, scale their own business, and create long-term wealth.
We bring the capital. You bring the deal. Together, we build wealth!
11. Who qualifies for the JV Program?
Any contractor or investor can qualify for our Joint Venture Program no minimum credit score or prior experience is required. Whether you’re new to investing or already experienced in property rehabs, our program is designed to help you scale and transition from working for others to becoming an investor-contractor. If you’re motivated, reliable, and ready to grow your business, you’re exactly who we want to partner with.
12. How do I get started with a JV deal?
Getting started is simple:
- Submit a deal you already have under contract or purchase a list of high-equity, off-market leads through our Services page.
- We analyze the deal together to confirm the numbers make sense.
- Agree on terms — including the scope of work, budget, and profit split.
- You handle the rehab, stay on budget, and make monthly interest-only payments during the flip.
- Once the property sells, profits are distributed exactly as agreed.
It’s a true partnership: you bring the deal and work ethic, we bring the funding and support.
13. Why do contractors choose BM Capital Funding?
Contractors choose BM Capital Funding because we offer true partnership, not just financing. Unlike traditional investors who take most of the profit, our Joint Venture Program gives you the chance to earn your regular contractor fee and a share of the profits when the property sells.
Here’s what sets us apart:
- No credit or experience requirements — we focus on good deals, not credit scores.
- Profit-sharing structure — you invest your time and skill, and we invest the capital.
- Transparency and collaboration — every deal’s scope, budget, and profit split are agreed upon before work begins.
- Long-term wealth creation — we help contractors evolve into investors and grow their own businesses.
With BM Capital Funding, you’re not just working on someone else’s project, you’re building your own financial future.
14. How long does it take to close a deal?
Once all required documents are submitted, we can typically close in as little as 14 business days.
However, delays often occur when documentation isn’t provided promptly, so we recommend allowing around 30 days from start to finish. The faster you provide everything, the faster we can get your deal funded.
15. What does “FHA Cap” mean?
The FHA Cap is the maximum loan limit allowed by the Federal Housing Administration (FHA) in the county where your property is located.
You can look up your area’s cap here: FHA Mortgage Limits (hud.gov)
16. What does ARV mean?
ARV (After-Repair Value) refers to the estimated market value of a property after renovations or improvements are completed.
17. What does “Asset-Based Lending” mean?
Asset-based lending focuses primarily on the value of the property, not the borrower’s credit.
While we consider your ability to repay, the loan decision and terms are based on the asset’s value and potential rather than personal financial history.
18. What are your loan terms?
- Loan amounts: $30,000 up to the FHA Cap (based on location and deal structure).
- Rates: Starting at 7% interest, with 0–3% origination fees, and no prepayment penalties.
- Loan terms:
- 6 to 24 months for Fix & Flip loans.
- Up to 30 years for Buy & Hold or Refinance loans.
- One loan is approved per new borrower until a successful track record is established.
19. Do I need an appraisal, and what does it cost?
Yes. BM Capital Funding requires an appraisal prior to closing.
Appraisal costs typically range from $400 to $700, depending on the property’s location and type.
20. Do I need a licensed and bonded contractor bid?
In most cases, yes. We require an itemized bid from a licensed and insured contractor before processing the loan to ensure project accuracy and budget integrity.
21. Is my information kept confidential?
Absolutely 100%!
Your privacy is our priority. All client information is treated with the highest level of confidentiality. When you work with BM Capital Funding, you’re partnering with a reputable, trustworthy company that values professionalism, transparency, and respect in every transaction.