Real estate investors
Buy, renovate, rent or flip. Qualify on the property, not your tax returns.
- Fix-and-flip and bridge
- DSCR rental loans, 30 and 40-year terms
- Hard money and construction
Direct lender on select programs · Mortgage broker for the rest
Investor capital that closes on your timeline.
DSCR rental, fix-and-flip, bridge, hard money, construction and commercial financing for real estate investors nationwide. Residential and reverse mortgages in California. Send the deal, get a written term sheet, close.
- 24-hour term sheetOur target on every deal
- Up to 80% LTVDSCR rental loans, select programs
- 5–10 day closingsPossible on asset-based loans
- CEO-level accessNo call center, straight answers
- 20+ yearsin mortgage and real estate finance
- 24 hoursterm sheet target on every deal
- 5–10 daysclosings possible on select asset-based loans
- 40-yearDSCR terms on select rental programs
- Nationwidebusiness-purpose lending through our network
Who we lend to
Built for investors. Backed by a lender network.
Blue Fox Capital arranges specialized financing solutions, through our lending programs and third-party lenders, for commercial real estate investors. Pick your lane.
Commercial owners and sponsors
Multifamily, mixed-use, office, retail, industrial and owner-occupied buildings.
- Commercial mortgage, $500K+
- Commercial bridge, interest-only
- SBA 504, 7(a) and conventional owner-occupied
California homeowners
Purchase, refinance and equity access, shopped across lenders instead of one bank’s box.
- Home and jumbo loans
- Bank statement, P&L and 1099 programs
- Second and reverse mortgages
Loan programs
One desk. Every structure a deal needs.
Programs, terms and states vary by loan and are subject to approval. Rehab financing applies to select fix-and-flip programs and is limited by after-repair value. Investment properties only. Not all applicants will qualify.
InvestorsFix-and-Flip & Bridge
Short-term financing to acquire, renovate or reposition investment property.
- Up to 90% of purchase price
- Up to 100% of rehab costs
- Typically capped at 70–75% of ARV
RentalDSCR Investor Loans
Qualify on rental income, not personal tax returns. Long-term and short-term rentals.
- Minimum loan $250,000
- Up to 80% LTV on select programs
- Terms up to 40 years
SpeedHard Money Loans
Fast asset-based financing when speed matters more than bank requirements.
- Closings possible in 5–10 days
- Compete with cash offers
- 2nd TDs and cross-collateral options
CommercialCommercial Mortgage
Long-term permanent financing for income-producing commercial property.
- Minimum loan $500,000
- Terms up to 10 years, 30-year amortization
- Non-recourse options may be available
MultifamilyMultifamily & Mixed-Use
Financing for 5+ unit buildings and mixed-use properties, bridge to permanent.
- Bridge and long-term options
- DSCR for 5–8 unit and 2–8 unit mixed-use
- Agency-style permanent where available
Alt-incomeNon-QM & Alternative-Income
DSCR, bank-statement, P&L and 1099 options when tax returns understate what you earn.
- Investor rentals up to 80% LTV
- Qualify on rent or alternative documentation
- Primary residence options in California
How it works
Send the deal. Get terms. Close.
01
Send the deal
Address, purchase price or value, loan amount, your track record and your timeline. For a flip, the rehab budget and expected ARV.
02
Term sheet in 24 hours
We package the file for the right lender up front and target a written term sheet within 24 hours. A term sheet isn’t an approval.
03
Diligence and close
Appraisal, title and entity documents. We manage conditions with the lender and line up your exit before you need it.
Asset-based loans can close in as little as 5–10 days when the property and file support it, subject to lender approval. Commercial mortgages typically close in 30–60 days.
Why Blue Fox Capital
Common sense underwriting, direct access, real speed.
Speed to close
Time kills deals. We package your deal for the right lender up front, so qualified loans can close quickly, in days on some asset-based loans when the file supports it.
Common sense underwriting
We look at the asset’s potential and your track record, not just a credit score or tax return.
Lender network
Commercial and investor financing nationwide; residential and reverse mortgages in California.
Direct access
You get CEO-level access. No red tape, no runarounds, just straight answers and reliable execution.
Direct lending
We fund select programs with our own capital.
Blue Fox Capital is a direct lender on hard money bridge loans from $500,000 to $2,000,000 on investment and commercial property, and on select DSCR, fix-and-flip and construction programs. Everything else we place across third-party lenders and compare structures for you.
- Hard money bridge loans, $500K to $2M, decided in house
- Fast50: a high-equity investor program up to 50% LTV with simple documentation and no minimum credit score
- Large-balance investor loans, $2M to $10M in major metros, for experienced investors
Programs, terms and states vary and are subject to underwriting and approval.
Blue Fox Property Management
Own a rental in Desert Hot Springs? We manage it too.
Marketing, tenant screening, rent collection, maintenance coordination and California compliance, handled by a licensed and insured brokerage that lives and works here.
Leadership
Daniel Eckhouse, Founder & CEO
Two decades across every market cycle
Daniel has structured and arranged complex commercial, residential and investment property loans for over 20 years. His philosophy: transparent, fast, reliable capital for investors who are underserved by traditional banks, with a financing strategy built around your exit.
Daniel Eckhouse – CA DRE Broker #01977403, NMLS #217328. Blue Fox Capital Corporation – CA DRE #01527288, NMLS #1840487.
Questions investors ask
Straight answers
How fast can a loan close?
It depends on the property, the appraisal, title and the lender. Asset-based loans can close in as little as 5–10 days when the file supports it, subject to lender approval. Many take longer, and commercial mortgages typically run 30–60 days.
Do you offer 100% financing?
No. Select programs fund up to 100% of the rehab budget, but you’ll still need funds for part of the purchase price, closing costs and carrying costs, and the total loan is capped by the after-repair value.
What is a DSCR loan?
A DSCR loan qualifies you on the rental property’s income instead of your personal income. If the rent covers the monthly housing payment by the margin the program requires, you may qualify, subject to credit, reserves, appraisal and lender approval.
Do you post rates?
No. Pricing depends on the property, leverage, credit, prepayment structure and the lender, and it changes daily. Request a term sheet for your scenario.
Do you lend outside California?
Commercial and investor financing nationwide through our lender network, subject to lender approval. Residential and reverse mortgages in California only.
Do I need an LLC?
Most business-purpose programs lend to an entity, such as an LLC or corporation, and require a personal guarantee. LLC vesting is allowed on select DSCR programs.
Have a deal? Let’s put terms on it.
Send the address, loan amount and timeline. A loan advisor replies within one business day.
Request a term sheet
Tell us about the deal
The more we know up front, the faster the term sheet. We target a written term sheet within 24 hours. A term sheet is not an approval.
- Property address and type
- Purchase price or value, and the loan amount
- Rehab budget and ARV, or rent, if it applies
- Your timeline and exit
(310) 756-3619
dan@bluefoxcapital.com
66350 Pierson Blvd., Suite A, Desert Hot Springs, CA 92240
By submitting you agree to our Privacy Policy and SMS Terms. Text-message consent is optional and is not a condition of any loan or service.