CONNECTED CAPITAL
Capital programs

Five programs.
One pipeline.

Each program below has a defined borrower profile, leverage envelope, and pricing band. The rate bands are illustrative — actual pricing depends on FICO, experience, asset class, and the partner shelf at the time of submission. Run the appraisal engine first if you're not sure which program fits the deal.

Long-Term · 30 yr

DSCR Rental

Property-based qualification — no W-2, no personal tax returns. The deal pencils on the rent roll's coverage of the proposed debt service.

Rate band7.50–9.50%
Term30 yr fixed
Min FICO620
Max LTV80%
Min DSCR1.00–1.20×
Deal size$150K – $3M
Asset class1–10 unit
Close21–35 days

Best for

  • Buy-and-hold single-family rentals
  • Stabilized 2–4 unit and small multifamily
  • Refinances out of higher-rate bridge debt
  • Cash-out on appreciated rental portfolios

What we need from you

  • Property address and current rent roll
  • Mid-FICO authorization
  • Entity formation docs (LLC operating agreement)
  • 2 months PITI reserves; landlord experience optional
Apply for DSCR → Run an appraisal ↗
Bridge · 6–18 mo

Hard Money

Speed-and-asset capital. Decisions on collateral and exit, not on tax-return income. 7–14 day close when the file is clean.

Rate band10.00–13.00%
Origination2–3 pts
Term6–18 months
Max LTV (PP)up to 90%
Rehab funding100% (in draws)
Max LTCup to 85%
Max LTARV75%
Close7–14 days

Best for

  • Single-family fix-and-flips
  • Light value-add multifamily (cosmetic rehab)
  • Auction acquisitions on a clock
  • Bridge capital between a non-conforming purchase and the perm refi

What we need from you

  • Purchase contract or pre-purchase term sheet
  • Scope of work + line-item rehab budget
  • Investor track record (deals last 36 mo)
  • Exit plan: sale (HUD-1 from prior flip) or DSCR refi pre-qual
Apply for Hard Money →
Hybrid Bridge-to-Perm

Soft Money

The middle gear. Lower rate than hard money, lighter doc than agency. Built for stabilized-or-nearly-stabilized assets that need 12–24 months before a permanent takeout.

Rate band8.50–10.50%
Term12–36 months
AmortizationI/O or 30-yr
Max LTV75%
Min DSCR1.10×
Min FICO650
Deal size$500K – $5M
Close14–28 days

Best for

  • Mid-renovation multifamily that's 60–80% stabilized
  • Owners exiting expensive bridge before they're ready for agency
  • Mixed-use with retail tenant turnover in flight
  • Cash-out for follow-on acquisition while the perm is in underwriting

What we need from you

  • Current T-3 / T-12 financials
  • Rent roll with lease-end dates
  • Existing payoff statement (if refi)
  • Path-to-agency plan if takeout is the exit
Apply for Soft Money →
Permanent · Non-Agency

Permanent

Long-fixed non-agency for stabilized assets that don't fit the agency box — small balance, single-asset SPE, mixed-use, or a sponsor with a story.

Rate band7.00–8.75%
Term5 / 7 / 10 yr fixed
Amortization25–30 yr
Max LTV75%
Min DSCR1.20×
Deal size$1M – $10M
Asset class5–50 unit MF / MU
Close35–60 days

Best for

  • Stabilized small-balance multifamily that's below agency size minimums
  • Mixed-use with retail revenue that agency wants to discount
  • Sponsors with credit story (recent BK, tax-lien clear, etc.)
  • Takeout of value-add bridge into long-fixed

What we need from you

  • Stabilized T-12 with $25/unit/month or better reserve line
  • Current rent roll, in-place leases
  • 2 years of operating financials
  • Sponsor REO schedule + entity-level financials
Apply for Permanent →
Agency · Fannie / Freddie

Agency Multifamily

Fannie Mae small balance and Freddie Mac SBL, plus large-loan agency through correspondent partners. The cheapest long-fixed capital available if the deal fits the box.

Rate band6.25–7.50%
Term5 / 7 / 10 / 12 yr
Amortization30 yr
Max LTV75–80%
Min DSCR1.20–1.25×
Min loan$1M
Asset class5+ unit stabilized MF
Close45–75 days

Best for

  • Stabilized 5+ unit multifamily with 90%+ occupancy and 12 months seasoning
  • Takeout of successful value-add bridge
  • Acquisitions of institutional-quality multifamily assets
  • Sponsors with verifiable net worth and liquidity

What we need from you

  • T-12, current rent roll, operating statements
  • Full sponsor financial package (PFS, REO schedule, 2 yrs tax returns)
  • Property inspection / Phase I environmental (we coordinate)
  • Verified borrower net worth ≥ loan amount, liquidity ≥ 9 mo PITI
Apply for Agency → See agency case studies ↗

Not sure which program?

Run the appraisal engine on the deal first. The cascade tells us as-stabilized minus the back-out — and that ratio versus your purchase price tells us instantly which capital tier the pencil supports. Bridge if it's value-add. Permanent if it's stabilized but doesn't fit agency. Agency if it does.

Open the appraisal engine →
Rate bands are illustrative and reflect typical pricing as of mid-2026 for clean files with verified borrower profiles. Final pricing is subject to underwriting and the active capital partner shelf at the time of submission. Rates, fees, and leverage are not commitments. Connected Capital Corp LLC acts as a mortgage broker; loans are originated and funded by third-party lenders.