Capstone Capital Partners

About Capstone Capital Partners

Capstone Capital Partners is hard money lender based in Austin, TX. They provide funding in Dallas, Austin, San Antonio, Fort Worth, and Houston. They provide commercial hard money loans, rental property loans, builder loans, hard money bridge loans, and fix and flip hard money loans. Their lending parameters are versatile, including terms between 6 months and 18 months, loan amounts ranging from $100,000 to $800,000 with a maximum LTV of 70%, and rates ranging between 9.99% and 14%. They will make loans on all of the following property types: single family, multi-family, apartments, office units, retail storefronts, hotels/motels, storage facilities, senior housing communities, mixed use buildings, undeveloped land, churches, warehouse spaces, industrial buildings, and medical buildings.

Loan Types Offered: Investment Property Loans, Fix and Flip Loans, Commercial Hard Money Loans, New Construction Loans, Bridge Loans

Property Types Covered: Single Family, Multi Family, Apartment, Office, Retail, Hotel, Storage, Assisted Living, Mixed Use, Land, Church, Warehouse, Industrial, Medical

Areas Served: Dallas, Austin, San Antonio, Fort Worth, Houston

Lending Guidelines for Capstone Capital Partners

Below are the general loan guidelines published on the Capstone Capital Partners website. Please confirm all terms and rates directly with the lender.

Loan Examples

The following loans are for education purposes only. They do not represent actual loans executed by Capstone Capital Partners.

Loan Example 1

Alvin takes a hard money loan from Capstone Capital Partners in order to renovate a townhome to resale in Dallas, TX. The price of the house is $240,000. The lender agrees to write a loan with a 65% loan to value (LTV) so they are willing to loan $156,000 on the project. The parameters of the note also stipulate a five percent origination fee that is to be paid at closing and a 18 month, interest-only note with a 14% interest rate.

Accordingly, the borrower will need to make a $84,000 down payment plus pay a $7,800 origination fee. The lender will collect $1,820 in monthly interest from the Alvin. This is calculated by taking the full note value of $156,000, multiplying that by the 14% interest rate, and then dividing that amount by 12. If Alvin sells the property for $312,000 after 18 months, he would realize a total profit of $31,440 after subtracting the principle of $156,000, the cash paid at the close of $84,000, the origination points of $7,800, and the aggregate interest payments of $32,760. This gross profit doesn't account for remodeling costs.

Loan Example 2

Capstone Capital Partners issues a hard money loan to Jodi for a rehab project in Dallas, TX. The deal includes the following:

$250,000 purchase price
85% loan to value (LTV)
6 month term
14% interest rate
5% origination fee

If Jodi achieves her goal of a $300,000 sales price, the outcome of the deal would be the following:

$300,000 sales price
- $212,500 principle (85% LTV)
- $37,500 cash paid at closing (15% on 85% LTV)
- $10,625 origination fee (5% of the $212,500 principle amount)
- $14,875 total interest paid (6 months x 14% interest)
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= $24,500 gross profit (does not include taxes or renovation costs)