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Solutions for Flippers, Rental Investors and Builders

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Solutions for Flippers, Rental Investors and Builders

Portfolio Loans: The Equity Extraction Machine

Stop Letting Your Bank Tell You How Big You Can Dream.

You’ve played by the rules. You’ve built a solid portfolio. But now, your local bank is talking about “exposure limits” and “debt-to-income ratios” that make no sense for a professional. They’re treating you like a liability instead of a success story.

Our Portfolio Loans are the “Unlock” Button.

  • Extract Your Equity: Cash-out up to 75% LTV to fund your next acquisition. Stop leaving “dead money” in your buildings.
  • No Max Limits: Whether you have 5 properties or 50, we don’t have “unit count” caps.
  • Long-Term Peace of Mind: 5, 10, and 30-year fixed terms available. No more worrying about a “maturity wall” every three years.
  • Non-Recourse Options: Protect your personal assets while you grow your empire.

Bridge Loans: Speed is Your Only Real Advantage

In This Market, the Fast Eat the Slow.

When the perfect multifamily deal pops up in Woodlawn or the West Loop, you don’t have 60 days to wait for a committee to “evaluate your global cash flow.” You need to move now.

We put you in control to grab the deal before your competition even finishes their morning coffee.

  • High Leverage: Up to 80% LTV on acquisitions.
  • Short & Punchy: 12, 18, and 24-month options to get you to stabilization.
  • No Prepayment Penalty: We want you to win. If you flip it or refi early, we don’t punish you for being efficient.
  • Bridge-to-Permanent: We don’t just get you in; we have the path to get you into long-term debt once the asset is seasoned.

Fix-and-Flip: Funding the Vision, Not Just the Math

Remember Why You Started?

That electric feeling when you walk through a gut-rehab and see the potential no one else does? I love that. But nothing kills that buzz faster than a lender who treats you like a “risk.”

We fund the hustle. From $100K starters to $5M multi-unit projects.

  • Max Leverage: Up to 92.5% LTC (Loan to Cost). We put up the lion’s share of the money so you can keep your cash for the next project.
  • 100% Rehab Funding: We don’t just fund the purchase; we fund the transformation.
  • Fast Track Closing: We can close in as little as 10 days.
  • Seasoned Pro Rates: The better your track record, the better your terms. We grow with you.

New Construction: Personal Attention, Professional Speed

Build Without the Bureaucracy.

Your local community bank knows your name, but they still make you jump through the same hoops for every single project.

We give you the personal attention of a local bank with the speed of a private fund.

  • Fast-Tracked Draws: We know that “time is money” on a job site. Our draw process is built for builders, not accountants.
  • Higher LTVs: Get up to 85% LTC on your builds.
  • Simple Approvals: Once we’ve done one deal together, your next one is essentially “pre-approved.” Send the plans, the budget, and let’s get to work.

Strategic Partner Section

Look, I’m going to be straight with you. Most lenders treat multifamily deals like they’re processing car loans. They use cookie-cutter spreadsheets and have zero understanding of what it’s like to manage a rehab in Chicago.

I live in this world. I know that foundations crack and contractors walk off jobs. You don’t need a “loan officer”—you need a Strategic Partner who has the gut and the checkbook to back your play.

One quick thing: I’m a capital provider, not a lawyer or a CPA. I’m here to help you move fast and fund deals, but you should always run your specific tax and legal moves by your own pros. Let’s keep your business—and your legacy—protected.

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Disclaimer

Not Investment or Legal Advice

The information provided in this article, including any “Word On The Street” advice, is for educational and informational purposes only. It does not constitute financial, investment, legal, or tax advice. Lester Myers and Ste Capital Group are private money capital providers, not licensed investment advisors, attorneys, or CPAs.

Risk Disclosure

Real estate investing involves significant risk, including the potential loss of principal. Past performance is not indicative of future results. Before making any investment decisions or altering your retirement account structure (such as establishing a Self-Directed IRA), you should consult with qualified professional advisors to ensure compliance with IRS regulations and to evaluate your specific financial situation.

No Attorney-Client or Fiduciary Relationship

Engagement with this content does not create a fiduciary or professional-client relationship. While we strive for accuracy, tax laws and market conditions change frequently; therefore, the reliability or completeness of the information provided cannot be guaranteed.

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