AirCap Funding – Private Lending for Real Estate Investors
AirCap Funding
Private Lending Solutions

The Capital Your
Next Deal
Deserves.

Where Capital Meets Passion

AirCap Funding specializes exclusively in non-owner occupied investment property loans — rehab, DSCR, ground-up, bridge, multifamily, and more. No conventional financing. Just creative capital built for investors.

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Funding at a Glance
72hr
Avg. Term Sheet
620+
Min. Credit Score (as of 4/26)
8+
Loan Programs
100%
Broker-Sourced
"We shop the market so you close with confidence."
New — Investor Education

Private Money Mastery — learn before you borrow.

Our 7-module course teaches new investors everything about rehab loans, DSCR loans, and how to protect yourself from predatory lenders — taught by the broker who will fund your deals. Fund a deal with us within 6 months and we refund your course in full.

Preview the Course → Coming soon · 7 modules · 5–6 hrs
Term sheet checklist included
Deal analysis spreadsheets
Free guide available now
Free if we fund your deal
Who We Are

Your Advocate in Private Lending

AirCap Funding is a private lending brokerage built exclusively for real estate investors — founded by an active investor who has been on your side of the table. We know what a tight closing timeline feels like. We know how lenders underwrite deals. And we know how to position your file to win.

We specialize in non-owner occupied investment property loans only — no traditional mortgages, no conventional financing. Just creative, flexible capital structured around your deal and your strategy.

Talk to a Broker
Investment Properties Only
We exclusively fund non-owner occupied investment properties. No primary residences, no conventional loans — just focused, expert lending for real estate investors.
Investor-to-Investor Insight
Our founder is an active real estate investor. That means we understand ARVs, deal timelines, draw schedules, and exit strategies — not just loan applications.
No Jargon, No Surprises
We've sat across the table from lenders ourselves. We break down every term sheet in plain language so you know exactly what you're signing before you sign it.
Loan Programs

Capital for Every Strategy

Creative financing is our specialty. Whatever your investment strategy, we have a loan program built for it — with the lender relationships to back it up.

01
Rehab Loans
Fix & Flip Financing

Speed and leverage for investors acquiring distressed properties. Close fast, renovate confidently, and maximize ROI on every flip.

  • Up to 90% LTC / 75% ARV
  • 12–18 month terms
  • Interest-only payments
  • Fast closings — as few as 10 days
  • Draws for renovation funds
  • Minimum 620 credit score (as of 4/26)
02
DSCR Loans
Rental Property Financing

Qualify based on property cash flow — not personal income. Scale your rental portfolio without tax return headaches.

  • No income verification required
  • Single-family to small multifamily
  • 30-year fixed options available
  • Short-term rental friendly
  • Cash-out refinance available
  • Minimum 620 credit score (as of 4/26)
03
Ground Up
New Construction Financing

Build from scratch with a lender who understands draw schedules, timelines, and what it takes to get a project across the finish line.

  • Up to 85% LTC on construction
  • Staged draw disbursements
  • 12–24 month terms
  • SFR, ADU & small multifamily
  • New & experienced builders welcome
  • Minimum 620 credit score (as of 4/26)
04
Bridge Loans
Short-Term Capital Solutions

Move fast when opportunity strikes. Bridge loans fill the gap between where you are and where your long-term financing begins.

  • 6–24 month terms
  • Close in days, not weeks
  • Residential & commercial properties
  • Ideal for time-sensitive acquisitions
  • Refinance or sell as exit strategy
  • Minimum 620 credit score (as of 4/26)
05
Hard Money
Asset-Based Lending

When conventional financing says no, hard money says yes. Collateral-driven loans for investors who need speed and flexibility above all else.

  • Asset-based underwriting
  • Less emphasis on credit history
  • Close in as little as 5–7 days
  • Distressed & non-warrantable properties
  • Ideal for auction & wholesale deals
  • Minimum 620 credit score (as of 4/26)
06
Multifamily
2–50+ Unit Properties

Scale from small multifamily to large apartment complexes with loan structures designed for income-producing residential portfolios.

  • 2–4 unit to 50+ unit properties
  • Purchase, refinance & cash-out
  • Agency & non-agency options
  • Value-add & stabilized assets
  • Portfolio loan programs available
  • Minimum 620 credit score (as of 4/26)
07
Fix & Hold
Renovate, Rent & Refinance

The BRRRR strategy made simple. Acquire, renovate, stabilize, and refinance into long-term debt — all under one lending relationship.

  • Acquisition + rehab financing
  • Transition into DSCR or rental loan
  • One broker, start to finish
  • SFR & small multifamily
  • Ideal for BRRRR investors
  • Minimum 620 credit score (as of 4/26)
08
Cash-Out Refi
Unlock Your Equity

Put your equity to work. Pull capital from existing properties to fund your next acquisition, renovation, or portfolio expansion.

  • Access built-up equity tax-efficiently
  • Investment & rental properties
  • DSCR-based qualification available
  • Competitive LTV up to 75–80%
  • Recycle capital across your portfolio
  • Minimum 620 credit score (as of 4/26)
The Process

From Application
to Closing

1
Submit Your Deal

Share your project details — property address, purchase price, rehab budget, and exit strategy. We'll review it same day.

2
We Shop the Market

We present your deal to our network of vetted private lenders and source the best terms available for your specific project.

3
Review Your Term Sheet

Receive a clear, side-by-side comparison of offers. We walk you through every line so you can make a confident, informed decision.

4
Close & Execute

We coordinate directly with the lender and title company to keep your timeline on track from approval through closing.

Why Work With a Broker
Who's Also an Investor?
  • We've been on your side of the table — we get it
  • Access to multiple lenders, not just one
  • We know how to structure your file to get approved
  • No cost to you — we're compensated by the lender
  • Expert file preparation to maximize approvals
  • Transparent communication at every stage
  • Ongoing support as your portfolio grows
Our Difference

Why Investors Choose
AirCap Funding

We're not a call center. We're investors helping investors — with the access, expertise, and drive to get your deal done right.

Speed to Close

Time kills deals. We move quickly — term sheets within 72 hours and closings in as few as 10 business days for qualified projects.

Lender Network

Deep relationships with vetted private lenders means more options, more flexibility, and better terms than going direct to a single institution.

We're Investors Too

Our founder is an active real estate investor. We understand your deal, your numbers, and what's actually at stake when timelines are tight.

Investor Aligned

Your success is our business. We don't earn unless your deal closes — which means we're working as hard as you are to make it happen.

All Loan Types

Rehab, DSCR, or ground-up — we handle every strategy under one roof. No need to shop multiple brokers as your business grows.

No Hidden Fees

Straightforward, transparent pricing. We walk you through every cost before you commit — no surprises at the closing table.

Get Funded

Let's Talk About
Your Deal

Ready to get a quote or just have questions? Reach out and a broker will be in touch within one business day.

⚠ We fund non-owner occupied investment properties only. We do not offer conventional or primary residence financing.

Fundme@aircapfunding.com
Response within 1 business day
Investor Education — AirCap Funding

Stop getting taken advantage of in the private money world.

The complete self-study course on rehab loans, DSCR loans, and private financing — taught by the AirCap broker who has seen every trick in the book.

Taught by AirCap Funding · Private Lending Broker · Rehab & DSCR Specialist
Coming Soon
Notify Me at Launch → See the Curriculum
Launch Status
Coming Soon
Pricing announced at launch
  • 7 core modules · 5–6 hours of video
  • Term sheet checklist + deal spreadsheets
  • Lender vetting guide + red flag card
  • 30-day money-back guarantee
The AirCap Promise
Fund a deal with us within 6 months of enrolling — we refund your course in full.
Notify Me at Launch →
Be first to know · No spam · Unsubscribe anytime

The AirCap Promise — this course can cost you nothing.

Enroll today. If you fund a real estate deal through AirCap Funding within 6 months of enrollment, we refund your course price in full. The education gets you ready. We help you execute. If we do our job, you get your money back.

Effectively Free

When you close a deal with AirCap within 6 months

Free Resource

The Private Money Survival Guide

Not ready to wait for the course? Start here. This free 2-page guide covers the 7 most important things every new investor must know before talking to a single lender — including how to spot upfront fee scams, what ARV means and why getting it wrong kills your profit, and the one question that exposes a bad broker immediately.

  • The 3 types of private lenders — and which one actually serves you
  • The #1 question to ask before paying any upfront fees
  • Why your personal income doesn't matter for rental financing
  • How brokers get paid — and why a good one costs you nothing extra
  • The term sheet trap most beginners fall into
Download Free — No Email Required

2-page PDF · Instant download · No signup needed

AirCap Funding · Private Money Mastery
The Private Money
Survival Guide
7 Things Every New Investor Must Know
1
The 3 Types of Private Lenders
2
Upfront Fee Red Flags
3
What ARV Means & Why It Matters
4
The Term Sheet Trap
+ 3 more insider insights inside
Free Download www.AirCapFunding.com
The Problem

New investors lose money every day — not from bad deals, but from bad financing.

  • ✕You got approved, then the rate changed at closing — and you weren't sure if that was normal
  • ✕You signed a term sheet without fully understanding the extension clause on page 9
  • ✕You've Googled "hard money lender" and have no idea how to tell a good one from a predatory one
  • ✕Terms like "prepayment penalty," "seasoning," and "LLPA pricing" — you've nodded along pretending you knew
  • ✕You're ready to scale but don't know which loan product fits your next strategy
What Changes

After this course, you walk into every lender conversation as an equal.

Decode any term sheet
Know what every line means, what's normal, and what to push back on before you sign.
Calculate your own numbers
Run DSCR and ARV yourself before a lender ever quotes you a figure.
Spot predatory tactics
The 5 most common schemes targeting new investors — and how to identify them before they cost you.
Build a trusted team
Know who to hire, what to ask, and how to verify every person in your lending chain.
The Curriculum

7 modules. Everything you need. Nothing you don't.

5–6 hours of self-paced video, built to develop knowledge in the right order. Click any module to see the lessons.

01

The Private Lending Landscape

How banks vs. private lenders think about risk, the 5 major loan types, who the players are, and the red flags that signal predatory lending before you ever submit an application.

How banks vs. private lenders see risk differently
The mindset shift that changes everything about how you prepare
The 5 major private loan types every investor must know
Rehab, DSCR, bridge, hard money, and new construction — side by side
Who the players are: lenders, brokers, servicers, and youInsider tip
Understanding the food chain so you know who's actually on your side
Red flags in the private lending worldWatch out
The 10 most common ways new investors get burned before they start
Foundation ›
02

Rehab Loans (Fix & Flip Financing)

ARV, LTC, draw schedules, inspections, how to present your scope of work — and the rehab loan traps that cost investors thousands at closing.

How rehab loans are structured: ARV, LTC, draw schedules
Why the money doesn't come all at once — and what that means for your project
The draw process: inspections, disbursements, timelinesTake action
Step-by-step so you're never waiting on funds mid-renovation
How lenders underwrite your scope of workInsider tip
What they're looking for and how to present your project professionally
Rehab loan traps: padding reserves, hidden fees, rate locksWatch out
Real scenarios from the broker's desk
Building your contractor relationship to satisfy a lender
What lenders actually want from your GC before they approve your file
Core Product ›
03

DSCR Loans (Rental Property Financing)

Calculate DSCR yourself, understand how lenders treat short-term rental income, and learn the gotchas — prepayment penalties, seasoning, LLPA pricing — that cost investors thousands.

What DSCR means and how to calculate it yourselfTake action
The single number that determines if your rental deal gets funded
DSCR vs. conventional investment loans
Side-by-side breakdown with real numbers — when each makes sense
How lenders look at rental income: leases, market rents, short-termInsider tip
Airbnb and STR rules vary widely — know before you apply
DSCR loan pricing: why your rate is higher and how to reduce it
Points, LTV, credit score, and DSCR ratio all move the needle
Scaling a rental portfolio with DSCR loans
How investors finance 5, 10, 20+ doors without W-2 income
DSCR gotchas: prepayment penalties, seasoning, LLPA pricingWatch out
Know these before you sign — they cost investors thousands
Core Product ›
04

Reading the Loan: Terms, Fees & the Term Sheet

Anatomy of a term sheet, line by line. What's a normal fee and what isn't. Extension clauses, default rates, exit fees — and a framework for comparing two loan offers.

Anatomy of a term sheet — every line item explainedTake action
Nothing gets glossed over — this is where new investors get surprised
Points, origination, and junk fees: what's normal, what's notWatch out
Industry benchmarks so you can negotiate intelligently
Extension clauses, default rates, and exit feesWatch out
The back pages most borrowers never read — until it's too late
How to compare two loan offers on an apples-to-apples basisTake action
The lowest rate is not always the best deal
Questions you must ask every lender before submittingInsider tip
Print this checklist and use it every time
Checklists ›
05

Protecting Yourself: Due Diligence & Common Scams

The module that pays for the whole course. The 5 most common predatory schemes, how to verify any lender is legitimate, and when to walk away — even after you've invested time.

The 5 most common predatory lending schemes targeting new investorsWatch out
Bait-and-switch rates, fake approval letters, and more — with real examples
How to verify a lender is legitimate before you give them anythingTake action
State licensing, NMLS lookups, and what online reviews actually tell you
Understanding the role of the broker: fiduciary or not?Insider tip
Honesty about incentives — including your broker's
Title, insurance, and entity structure basics
You don't need a law degree — just enough to ask the right questions
When to walk away from a deal or a lenderWatch out
The psychology of sunk costs — and why investors stay too long
Protection ›
06

Running the Numbers: Deal Analysis

Fix & flip pro forma, rental cash flow analysis using DSCR logic, and how to think like an underwriter before you submit — so nothing kills your deal in underwriting.

Fix & flip pro forma: ARV, purchase, rehab, carry costs, profitSpreadsheet included
Fill-in-the-blank template ready to use on your next deal
Rental property cash flow analysis using DSCR logicSpreadsheet included
NOI, debt service, cash-on-cash return — explained without jargon
How lenders stress-test your numbers — and how to prepareInsider tip
Think like an underwriter before you submit your file
Deal killers: what kills a loan in underwriting after approvalWatch out
Title issues, contractor liens, appraisal gaps — prevention is cheaper than fixing
Spreadsheets ›
07

Building Your Private Lending Team & Next Steps

How to find a trustworthy broker, who the five core team members are, and a step-by-step walkthrough of your first deal from letter of intent to close.

How to find and vet a trustworthy lending brokerTake action
What to look for, what to ask, and green vs. red flag behaviors
Building your core team: lender, title, attorney, CPA, contractor
The five people who protect you at every stage of a deal
How to approach your first deal with confidenceTake action
Step-by-step from letter of intent to closing table
Scaling up: from one deal to a portfolioInsider tip
How experienced investors manage relationships and credit lines over time
Resources, communities, and what to learn next
Curated next steps — not a firehose
Action Plan ›
Who This Is For

Built for investors at every entry point

The Complete Beginner

You've never taken a private loan before. You want to understand the landscape before you make any moves — and avoid the mistakes that cost newcomers thousands.

The First-Deal Investor

You've done one or two deals but aren't sure you got the best terms. You want to level up before your next transaction.

The Fix & Flip Operator

You're actively flipping but feel uncertain about your rehab loan terms, draw process, or how to present projects to lenders professionally.

The Portfolio Builder

You want 5, 10, or 20+ doors and need to understand DSCR loans — and how to use them to scale without W-2 income qualification.

What's Included

Everything you need to protect yourself and execute with confidence

I.

5–6 Hours of Video

Structured lessons across 7 modules, paced for someone with no prior experience in private lending.

II.

Term Sheet Checklist

Print-ready checklist of every question to ask and every line to review before signing any loan agreement.

III.

Deal Analysis Spreadsheets

Fix & flip pro forma and rental cash flow calculator — pre-built and ready to use on your next deal.

IV.

Lender Vetting Guide

Step-by-step process for verifying any private lender's legitimacy before you submit an application or pay a fee.

V.

Red Flag Reference Card

Quick-reference card of the 15 most common predatory lending warning signs — keep it on your desk.

VI.

Lifetime Access + Updates

The lending landscape changes. Your access doesn't expire and all course updates are included at no additional charge.

Coming Soon

Be the first to know when we launch.

Drop your email below and we'll notify you the moment the course goes live — plus early access pricing for subscribers.

No spam. Unsubscribe anytime. Early subscribers get first access.

The AirCap Promise
Fund a real estate deal through AirCap within 6 months of enrolling and we refund your course price in full. The course can cost you nothing.
Coming Soon

The lender already knows all of this.
Now you will too.

The course is on its way. Sign up to be notified at launch and get early access pricing — then fund a deal with AirCap within 6 months and your course is free.

Notify Me at Launch →
No spam · Early access pricing for subscribers · Unsubscribe anytime
FAQ

Common questions

Do I need any prior real estate experience?+
No. The course is built for someone who has never taken a private loan before. Module 1 establishes the full landscape before any product-specific content. If you already have experience, you'll move quickly through early material and find the most value in Modules 4 and 5.
How exactly does the AirCap 6-month refund work?+
Simple — if you enroll in this course and then use AirCap Funding to close a real estate deal within 6 months of your enrollment date, we refund your course price in full. The deal must close through AirCap. There's no minimum loan size or property type restriction beyond our standard investment property focus.
How is this different from free YouTube content?+
Free content teaches concepts. This course teaches what goes wrong in practice — from a broker who has processed hundreds of loans and seen the mistakes firsthand. The protection content in Module 5 alone covers scenarios you won't find on YouTube because most content creators aren't incentivized to warn you about lender tricks.
Is this specific to a particular market or state?+
The core concepts apply nationwide. How rehab loans are structured, how DSCR is calculated, how to read a term sheet — these don't change by state. Where regulations or norms vary, that's noted explicitly in the curriculum.
Can I work with AirCap as my broker after taking the course?+
Yes — and that's the point. VIP students get a direct broker relationship built into their enrollment. Core and Complete students are welcome to reach out when they're ready to close a deal. The course makes you a better borrower, which means we can work together more efficiently from day one.
How long do I have access to the course?+
Lifetime access. The lending landscape evolves and course updates are included at no charge. You'll be notified when new material is added.
Free Resources

Everything free. No email required.

Tools, guides, and plain-language breakdowns to help you navigate the private lending world before — and after — you talk to a single lender.

Free PDF Download

The Private Money Survival Guide

2-page guide · Instant download · No signup

The 7 most important things every new investor must know before talking to a single lender. Covers upfront fee scams, ARV explained, how brokers get paid, the term sheet trap, and more.

  • The 3 types of private lenders — and which serves you
  • The #1 question to ask before paying any upfront fee
  • Why your income doesn't matter for rental financing
  • How brokers get paid and who's actually on your side
  • The term sheet trap most beginners fall into
Download Free
Reference Guide

Private Lending Keyword Breakdown

25 terms · Plain language · No jargon

Every term a private lender will use — explained in plain English. Stop nodding along. Start knowing exactly what you're agreeing to.

Scroll to see all 25 terms · Click any term to expand

Want to go deeper?

The full course is coming soon.

7 modules covering everything from reading a term sheet to scaling a rental portfolio — plus the AirCap Promise: fund a deal with us within 6 months and the course is free.