Get Your Investment Property Funded — Even When Other Lenders Say No
We specialize in difficult financing scenarios including DSCR, Fix & Flip, New Construction, Commercial Real Estate and Business Loans.
Need Financing for an Investment Property Deal? Let's Structure the Right Loan.
Get Expert Financing Guidance Before You Apply
Get a term sheet first — no credit pull, no full application required.
We structure your deal upfront so you only move forward when it makes sense.
• DSCR long-term rental loans• Fix & Flip financing • New Construction financing • Commercial Real Estate Loans • Bridge Loans • Business Loans • Foreign National financing All terms are preliminary and subject to full application, credit approval, and underwriting.
Just submit your property details and we’ll structure the best financing solution for your investment.
• DSCR long-term rental loans• Fix & Flip financing • New Construction financing • Commercial Real Estate Loans • Bridge Loans • Business Loans • Foreign National financing All terms are preliminary and subject to full application, credit approval, and underwriting.
Just submit your property details and we’ll structure the best financing solution for your investment.
Why Real Estate Investors Choose SooCapital
We don’t just offer loans — we structure deals that make sense.
At SooCapital, we work with real estate investors across the country to secure financing for deals that traditional lenders often decline.
What Makes Us Different
✔ Get Your Deal Structured First
We review your scenario before you spend time, money, or pull credit. Our goal is to determine whether the deal makes sense before moving forward.
✔ Investor-Focused Lending
DSCR, Fix & Flip, New Construction, Commercial & Portfolio loans — we specialize in investment deals.
✔ We Solve Problems Other Lenders Won't
Many of our clients come to us after being declined by a bank, facing complex documentation requirements, or needing a specialized loan structure.
✔ Solutions For Difficult Deals
Foreign nationals, complex income, unique properties, construction projects, commercial real estate, and investors turned down by traditional banks..
✔ Creative Loan Structuring
We help borrowers navigate complex scenarios by matching each deal with the right lending solutions.
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✔ Nationwide Lending
We fund deals across the U.S. (with a few state exceptions)..
Our Loan Programs
Fix & Flip Loans
Fix & flip loans are short-term loans designed for real estate investors to purchase and renovate properties. These loans provide funding for the property purchase and renovation costs, allowing investors to improve the property and sell it for a profit or refinance into a long-term rental loan.
- Up to 75% LTV
- 90% Purchase Financing
- 100% Rehab Financing
- 6-24 Month Term
New Construction Loans
New construction loans provide financing for real estate investors to build residential or investment properties from the ground up. These loans typically cover the cost of the construction, and project expenses, allowing investors to build new properties to sell or hold as long-term rental investments.
- Up to 75% LTV
- Up to 90% Loan to Cost
- Term 9-24 Months
- First-Time Builders Allowed
DSCR Rental Loans
DSCR loans are designed for real estate investors purchasing or refinancing rental properties with 1–4 units. These loans qualify borrowers based on the property’s rental income rather than personal income, making them ideal for investors looking to expand their rental portfolios.
- Up to 80% LTV for Purchases
- Up to 75% LTV Cash Outs Refinance
- No Personal Income Verified
- Qualify using Debt Service Coverage Ratio
- APPLY HERE FOR CASHOUT
Commercial Loans
Commercial loans provide financing for investors purchasing or refinancing income-producing commercial properties such as office buildings, retail centers, warehouses, daycare facilities, light industrial, automotive, self-storage, mixed-use properties, commercial condos and multifamily 5 + buildings. These loans are designed to help investors acquire, improve, or refinance commercial real estate.
- Up to 70% LTV Commercial
- Up to 75% LTV Multifamily & Mixed Use
- 30 Year Term
- No Personal Income Verified
Portfolio Blanket Loans
Portfolio blanket loans allow real estate investors to finance or refinance multiple properties under one loan. This structure simplifies financing by combining several investment properties into a single loan with one monthly payment, making it easier for investors to manage and scale their real estate portfolios.
- Up to 10 doors
- Up to 75% LTV
- 30 Year Term
- No Personal Income Verified
Business Loans & Line Of Credit
Business loans provide financing for entrepreneurs and business owners to start, grow, or expand their businesses. These loans can be used for working capital, equipment purchases, business expansion, or other operational needs.
- Funding between $5k-3M$
- Short-Term Loans
- Unsecured (no collateral attached)
- Bank-Term Loans
- Lines Of Credit
- Minimum Fico 550
Bridge Loans
Bridge loans are short-term financing solutions designed to help real estate investors quickly purchase or refinance properties. These loans provide temporary funding until the property is sold or refinanced into a long-term loan. Bridge loans are often used for value-add properties, time-sensitive acquisitions, or transitional real estate investments.
- Interest Only Payments
- Purchase & Cashout Refinance
- Up to 24 Month Term
- No Personal Income Verified
- 1-4 Units
Asset-Based Real Estate Loan
This program provides financing based primarily on the equity and value of the property rather than the borrower’s credit score. Loans are available up to 50% loan-to-value (LTV) and can be used for a wide range of properties including 1–4 unit residential, multifamily properties with 5+ units, and commercial real estate such as mixed-use buildings, retail, office, warehouse, automotive, self-storage, daycare facilities, and commercial condos.
This solution is designed for investors and property owners who have strong equity in their real estate and need flexible financing options.
- No Minimum Fico Required
- Up to 50% LTV
- 30 Year Term
- No Personal Income Verified
Business Credit Cards
Business credit cards provide flexible access to capital for business owners to manage everyday expenses and cash flow. They can be used for purchases such as inventory, supplies, marketing, travel, and operational costs while helping businesses build and strengthen their credit profile. Many business credit cards also offer rewards, expense tracking, and spending controls designed specifically for business use.
- Funding up to $150k
- 0% interest for 6-18 months
- Reports to business credit
- Revolving Line
Jacqueline Galvan
Founder & CEO | Commercial Mortgage Broker
Jacqueline Galvan is the Founder and CEO of SooCapital Investment Loans, a nationwide brokerage specializing in financing for real estate investors.
With over 20 years of experience in mortgage lending, Jacqueline works with investors across the country to structure financing for investment properties including fix-and-flip projects, new construction, DSCR rental loans, commercial real estate, and portfolio loans.
Jacqueline holds a Bachelor of Arts in Political Science from the University of North Texas (UNT) and is known by many of her clients as “The Funding Queen” for her ability to help investors secure the capital they need to grow their real estate portfolios.
Her focus is helping investors access strategic financing solutions that allow them to scale and build long-term wealth through real estate.
With over 20 years of experience in mortgage lending, Jacqueline works with investors across the country to structure financing for investment properties including fix-and-flip projects, new construction, DSCR rental loans, commercial real estate, and portfolio loans.
Jacqueline holds a Bachelor of Arts in Political Science from the University of North Texas (UNT) and is known by many of her clients as “The Funding Queen” for her ability to help investors secure the capital they need to grow their real estate portfolios.
Her focus is helping investors access strategic financing solutions that allow them to scale and build long-term wealth through real estate.
Steven Haig
Co-Founder & Managing Director - Commercial & Multifamily Lending
949.510.9497
Myra Loya
Director of
Investment Lending
972.510.7273
Alex Lozano
Director of Investment Lending/Recruiter
915.626.8455
Perla Gonzalez
Director of
Investment Lending
915.502.3495
SooCapital Loans Applications Below
Lets Get You FUNDED Today!!!
We Lend in all states except SD, ND, VT, MN, NV, UT, WA & OR.