Real estate investors
Buy, renovate, rent or flip. Qualify on the property, not your tax returns.
- DSCR rental loans, including no-ratio DSCR
- Fix-and-flip and bridge
- Hard money and construction
DSCR rental loans first · Most states
Investor capital built around your deal.
DSCR rental loans, including no-ratio DSCR, for 1–4 unit and small multifamily investors in most states, plus fix-and-flip, bridge, construction and commercial financing. Residential mortgages in California. Send the deal, get a written term sheet, close.
- Qualify on rentDSCR and no-ratio DSCR, select programs
- Term-sheet reviewSubject to review
- Loan closingSubject to underwriting
- CEO-level accessNo call center, straight answers
- DSCRqualify on rental income; no-ratio DSCR on select programs
- 20+ yearsin mortgage and real estate finance
- Most statesDSCR, bridge, construction and commercial financing; availability varies
- Californiainvestment property and home financing
Who we serve
Built for investors. Structured around the deal.
Blue Fox Capital Corporation arranges and places financing for real estate investors, commercial property owners and California homeowners. Pick your lane.
Commercial owners and sponsors
Multifamily, mixed-use, office, retail, industrial and owner-occupied buildings.
- Commercial mortgage, purchase and refinance
- Commercial bridge, transitional properties
- SBA 504, 7(a) and conventional owner-occupied
California homeowners
Purchase, refinance and equity access, arranged around your scenario instead of one bank’s box.
- Home and jumbo loans
- Bank statement, P&L and 1099 programs
- Second mortgages and HELOCs
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.
Lead programDSCR Investor Loans
Qualify on the property’s rental income, not personal tax returns. Standard DSCR and no-ratio DSCR on select programs, in most states.
- Purchase, refinance and cash-out
- No-ratio DSCR on select programs, with restrictions
- Long- and short-term rentals; LLC vesting on select programs
InvestorsFix-and-Flip & Bridge
Short-term financing to acquire, renovate or reposition investment property.
- Purchase and rehab funding on select programs
- Rehab funds released through draws
- Total loan capped by after-repair value
Asset-basedNationwide Hard Money
No-ratio hard money on 1–4 unit investment property in most states. Qualified on the property and your equity. Availability varies by program, property type and state.
- No DSCR or income ratio
- 1–4 unit investment property, most states
- Purchase, refinance and bridge; 2nd TDs on select programs
CommercialCommercial Mortgage
Long-term permanent financing for income-producing commercial property.
- Purchase and refinance
- Terms vary by program and property type
- 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 qualified on rent
- 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 rental, the rent; for a flip, the rehab budget and expected ARV.
02
Review financing options
We package the file for the right lender up front and discuss financing options after reviewing the request, subject to lender 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.
Closing timelines vary based on property, documentation, underwriting and lender approval.
Why Blue Fox Capital
Common sense underwriting and direct access.
Prepared files
We package your deal for the right lender up front, so underwriting starts with a complete file. Timelines depend on underwriting and lender approval.
Common sense underwriting
We look at the asset’s potential and your track record, not just a credit score or tax return.
Multi-state reach
Commercial and investor financing in most states; residential mortgages in California. Availability varies by program, property type and state.
Direct access
You get CEO-level access. No red tape, no runarounds, just straight answers and reliable execution.
DSCR first
DSCR rental loans, including no-ratio DSCR.
Blue Fox Capital Corporation arranges and places DSCR rental loans for 1–4 unit and small multifamily investors in most states: standard DSCR qualified on the property’s rent, and no-ratio DSCR programs that do not use a rent-to-payment ratio at all, subject to restrictions. Fix-and-flip, bridge, construction and commercial financing round out the desk.
- Standard DSCR qualified on the property’s rent, purchase, refinance and cash-out
- No-ratio DSCR on select programs, with lower leverage and other restrictions
- Long- and short-term rentals, LLC vesting and portfolio investors on select programs
Programs, terms and states vary and are subject to underwriting and approval.
Construction & Fix-and-Flip Loans
Building, renovating or flipping? Finance the whole cycle.
Ground-up construction, construction takeout and refinance, fix-and-flip and bridge financing for investors, builders and developers. Business-purpose loans on investment and commercial property only.
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, 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 long does it take to close a loan?
It depends on the property, the appraisal, title and the lender. Closing timelines depend on the property, title, appraisal and lender approval.
Will I need my own cash for a fix-and-flip?
Yes. Select programs fund the rehab budget through draws, 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.
What is a no-ratio DSCR loan?
A no-ratio DSCR program does not require the rent to cover the payment by any set ratio. It is useful for properties that are vacant, being repositioned or priced for appreciation rather than cash flow. Expect lower leverage, higher credit or reserve requirements and other restrictions, subject to lender approval. See No-Ratio DSCR Loans.
Do you post rates?
No. Pricing depends on the property, leverage, credit and the lender, and it changes daily. Request a term sheet for your scenario.
Do you arrange financing outside California?
Yes. Investor and commercial financing is available in most states, depending on the program and property type. Residential home loans are California only. Tell us the state and we will confirm up front.
Do I need an LLC?
Most business-purpose programs are made 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 will follow up.
Request a term sheet
Tell us about the deal
Planning a commercial refinance? Read our commercial loan maturity and refinance checklist.
The more we know up front, the more useful our review. We review the information and discuss potential financing options, subject to lender 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