Private Real Estate Lending
Real Deals.Real Funding.Real Results.
Flexible real estate financing built for investors, developers, and opportunities that move fast.
The SAREL Difference
Real estate lending that moves with you.
Real estate opportunities don’t always fit neatly inside a traditional lending box.
SAREL Capital provides financing designed around real investors and real deals. We combine speed, flexibility, and personal service to help borrowers move confidently when the right opportunity comes along.
SPEED
When a deal moves quickly, your financing needs to keep up.
FLEXIBILITY
Every deal is different. We look at the property, the opportunity, and the complete picture.
RELATIONSHIPS
We want to be the lender you call for your first deal, your fifth, and your fiftieth.
EXPERIENCE
Our focus is investment financing, so we understand how investors, builders, and developers work.
Qualify on the Deal
Most investors think they need a big paycheck to buy more property. They don’t.
At SAREL Capital, we look at the deal, not your pay stubs. If the property makes money, it can qualify.
Your bank wants
- Two years of tax returns
- A W-2
- A story
We want one thing
Does the property pay for itself?
If the rent covers the mortgage, you are in business. No pay stubs. No income verification. Just the deal.
Loan Programs
Financing built for real estate investors.
Buy it. Fix it. Rent it. Refinance it. Repeat.
SAREL Capital funds the whole cycle. Fix-and-flip loans to get in, DSCR loans to hold it long term. One lender, start to finish.
How It Works
From deal to closing.
Financing shouldn’t be the complicated part of your investment.
Why SAREL?
More than a loan. A lending relationship.
We know successful investors aren’t looking for another complicated lending process. They’re looking for a financing partner who understands their business.
SAREL Capital is built around responsiveness, transparency, and relationships. We want borrowers to know who they’re working with, be able to ask questions, and have a lending partner they can come back to as their portfolio grows.
Real Deals. Real Funding. Real Results.
Who We Work With
From a first flip to a full development.
Whether it’s a $300,000 flip or a multimillion-dollar project, the conversation starts the same way: tell us about the deal.
- Real estate investors
- Fix-and-flip investors
- Rental property investors
- Builders
- Developers
- Experienced investors expanding their portfolios
- Newer investors with strong opportunities
- Real estate professionals seeking reliable financing for their clients
Self-employed. Ten properties. Great cash flow. Denied by the bank.
Sound familiar?
At SAREL Capital, we do not care what your 1040 says. We care what the rent roll says.
See DSCR loans →Have a deal in front of you?
Send us the property, the numbers, and the plan. A real person on our team will review it and reach out.
Loan Programs
Financing built for real estate investors.
Every program starts with the property and the plan. Tell us what you’re working on and we’ll find the structure that fits.
One Lender, Start to Finish
- Buy it.Fix & Flip loan
- Fix it.Fix & Flip loan
- Rent it.DSCR loan
- Refinance it.DSCR loan
- Repeat.Your next deal
SAREL Capital funds the whole cycle. Fix-and-flip loans to get in, DSCR loans to hold it long term. One lender, start to finish.
Not sure which program fits?
Send the deal anyway. Figuring out the right structure is part of our job.
How It Works
From deal to closing.
Financing shouldn’t be the complicated part of your investment. Here’s what working with us looks like.
What to Send
The more we know, the faster we can move.
You don’t need a finished package to reach out. These are the details that help us review a deal quickly:
- Property address and typeRequired
- Purchase price and closing dateDeal
- Rehab or construction budgetIf applicable
- Estimated after-repair valueIf applicable
- Expected monthly rentRentals
- Your track recordExperience
- Purchase contract, scope of workOptional
About Us
Financing that understands real estate.
SAREL Capital was created with a simple belief: real estate investors deserve financing that understands the way real estate actually works.
What We Stand For
Real at every step.
- Real estate.Investment financing is all we do.
- Real relationships.You’ll know who you’re working with.
- Real opportunities.We look at the deal, not just a checklist.
- Real people.Someone on our team reviews every deal.
What We’re Building
A lender you can actually talk to.
Our goal is to build a lending company known not only for getting deals funded, but for being responsive, transparent, and genuinely invested in the long-term success of the people we work with.
Every property and every investor is different. That’s why we take a deal-focused, relationship-driven approach instead of forcing every borrower into the same box. Whether you’re acquiring your next investment property, renovating a home for resale, building from the ground up, or growing a rental portfolio, our goal is simple: help you move from opportunity to closing with confidence.
Frequently Asked Questions
Have questions? We have answers.
Real estate financing doesn’t have to feel complicated. Here are answers to some of the questions we hear most often.
Do you work with first-time real estate investors?
Yes! We absolutely work with first-time investors. You don’t need a long track record to start investing in real estate. We’ll take the time to understand your deal, walk you through the financing process, and help you determine which loan option makes the most sense for your project.
What types of loans does SAREL Capital offer?
We provide financing solutions for real estate investors, including fix-and-flip loans, DSCR rental loans, and ground-up construction loans. Loan options and terms vary based on the property, project, borrower, and overall deal.
How quickly can I get funded?
Every deal is different, but we understand that real estate moves quickly. Our goal is to keep the process straightforward, communicate clearly, and move your loan toward closing as efficiently as possible.
Do you lend based on the property or my personal income?
It depends on the loan program. Some investor loan products focus heavily on the property and the strength of the deal rather than traditional income documentation. For example, DSCR loans generally evaluate the property’s rental income in relation to its debt obligations.
What is a DSCR loan?
A Debt Service Coverage Ratio (DSCR) loan is designed for real estate investors purchasing or refinancing rental properties. Rather than relying primarily on your personal income, qualification generally focuses on the property’s rental income and its ability to cover the associated debt payments.
What is a fix-and-flip loan?
Fix-and-flip financing is designed for investors purchasing a property that they plan to renovate and resell. Financing may include funds toward the purchase and renovation, depending on the specific loan program and deal.
Do you finance ground-up construction?
Yes. We can help investors secure financing for eligible ground-up residential investment projects, from acquiring the property or land through construction.
Do I need perfect credit?
Not necessarily. Credit is one part of the overall loan evaluation, but requirements vary by loan type and lender. We look at the complete picture and help identify financing options that fit your particular deal and borrower profile.
How much money do I need to put down?
Down-payment and equity requirements vary depending on the loan program, property, experience, credit profile, and specifics of the transaction. Once we know more about your deal, we can give you a clearer idea of what to expect.
Can I get prequalified before I find a property?
Yes. Getting your financing lined up before you find a property can help you understand your purchasing power and prepare you to move quickly when the right opportunity comes along.
What information do you need to review my deal?
Typically, we’ll start with some basic information about you, the property, purchase price, estimated renovation or construction costs, expected property value, and your plans for the property. From there, we’ll let you know what additional documentation is needed.
Do you only work with experienced developers?
No. We work with investors at different stages, from people preparing for their first investment property to experienced investors building larger portfolios.
Do you finance primary residences?
SAREL Capital is focused on business-purpose real estate financing for investors, rather than traditional owner-occupied residential mortgages.
What areas do you lend in?
Our available lending areas depend on the loan program and lending partner. Contact us with the property address and deal details, and we’ll let you know what options are available.
How do I get started?
Tell us about your deal. We’ll review the details, discuss potential financing options, and help you understand the next steps.
Submit a Deal
Tell us about the deal.
A few minutes here gives us what we need to review your opportunity. Only the basics are required. Share what you know and we’ll follow up on the rest.
Thanks. Your deal is in.
A member of the SAREL Capital team will review your information and reach out to discuss next steps.
Contact
Let’s talk about your next deal.
Have a property under contract? Planning your next project? Looking for financing for your rental portfolio? Tell us what you’re working on.
Already have the numbers?
Skip the back-and-forth. Send the deal and we’ll start our review.
Message received.
Thanks for reaching out. Someone from SAREL Capital will get back to you shortly.
Legal
Privacy Policy
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SAREL Capital collects the information you provide through this website, such as your name, contact details, and property and deal information, in order to review financing requests and respond to inquiries.
How we use information
We use submitted information to evaluate potential loans, communicate with you, and operate our business. We do not sell your personal information.
Contact
Questions about this policy can be sent to info@sarelcapital.com.
Legal
Terms of Use
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Information on this website is provided for general informational purposes. Nothing on this site is an offer to lend, a loan approval, or a commitment to lend. Loan programs, terms, and availability may change without notice.
Legal
Disclosures
Placeholder. Licensing, NMLS, Equal Housing, and state-specific disclosures depend on SAREL Capital’s actual licensing and lending structure and should be confirmed with counsel.
SAREL Capital provides business-purpose loans secured by non-owner-occupied investment real estate. Loans are not offered for personal, family, or household purposes.
All loans are subject to property review, underwriting, and approval. Submitting a deal or requesting a quote does not guarantee approval, specific terms, or a closing timeline.