Our Lending Products
Blue Fox Capital offers a comprehensive suite of commercial and residential mortgage solutions for real estate investors and business owners. Whether you need fast bridge financing, long-term DSCR loans, or flexible Non-QM options, we have the right product for your deal.
Hard Money Loans
Close in 5–10 Days | Up to 75% LTV | Nationwide*
Asset-based financing for investors who need speed. No income documentation required, flexible credit standards (600+), and funding in as little as 5 days. Ideal for auction purchases, fix-and-flip projects, bridge financing, and competitive markets.
Learn More About Hard Money Loans →
DSCR Investor Loans
Loans Starting at $250K+ | Qualify on Property Income | Nationwide*
Qualify based on your investment property rental income — not your personal tax returns. No limit on property count, 30-year amortization, and programs for both long-term rentals and short-term/Airbnb properties. Perfect for portfolio investors and self-employed borrowers.
Commercial Mortgage Loans
$500K+ Loans | Terms Up to 10 Years | California*
Competitive commercial financing for multifamily, office, retail, industrial, and mixed-use properties. Owner-occupied and investment options available with non-recourse financing, interest rate swaps, and SBA programs. fast term sheet turnaround.
Learn More About Commercial Mortgages →
Non-QM & Alternative-Income Loans
Up to 90% LTV | 30-Year Terms | California*
Designed for self-employed borrowers, business owners, and freelancers who don’t fit traditional lending boxes. Programs include bank statement loans, alternative-income, 1099 income, asset depletion, and foreign national options. Minimum 620 credit score.
Learn More About Non-QM Loans →
Construction Loans
Ground-Up and Heavy Rehab | Draw-Funded | Nationwide*
Construction and heavy rehabilitation financing for investors, builders, and developers. Interest-only during construction, funded by draw against completed work.
Learn More About Construction Loans →
Jumbo Home Loans
Above Conforming Limits | Full-Doc and Alternative-Income | California*
Jumbo residential financing including bank statement, accountant-prepared P&L, 1099, and asset depletion documentation options.
Learn More About Jumbo Home Loans →
Home Loans
Purchase and Refinance | Conventional and Alternative-Doc | California*
Residential mortgage financing for California buyers and homeowners, including cash-out refinance.
Second Mortgages
Access Equity Without Refinancing | Three Structures*
Conventional seconds and HELOCs, hard money seconds, and reverse mortgage seconds. Keep your existing first mortgage in place.
Learn More About Second Mortgages →
Reverse Mortgages
Homeowners 62 and Older | No Monthly Payment Required | California*
FHA HECM, proprietary jumbo reverse, and stand-alone reverse second mortgages. Borrower remains responsible for taxes, insurance, and maintenance.
Learn More About Reverse Mortgages →
Additional Programs
- Bridge Loans — Short-term financing to bridge the gap between purchase and permanent financing
- Fix-and-Flip Loans — Acquisition + renovation financing for residential investment properties
- Construction Loans — Ground-up construction financing for new builds
- Conventional Investment Property Loans — Traditional financing for qualifying investors
- Raw Land Loans — Financing for undeveloped land purchases
Why Blue Fox Capital?
- 24-Hour Term Sheets — Get a quote fast so you can move on your deal
- CEO-Level Access — Work directly with decision-makers, not call centers
- Flexible Underwriting — We find solutions for complex deals others turn down
- Nationwide Reach — Business-purpose DSCR and hard money financing available nationwide
Ready to Get Started?
Contact us today for a no-obligation quote. Call (310) 756-3619 or request your term sheet online.
Explore All Loan Programs
For Real Estate Investors: Hard Money Loans | DSCR Investor Loans | Construction Loans
Commercial: Commercial Mortgage Loans | Commercial Bridge Loans | Multifamily & Mixed-Use Loans | Owner-Occupied Commercial Loans
Homeowners: Home Loans | Jumbo Home Loans | Non-QM & Alternative-Income Loans | Second Mortgages
Homeowners 62 and Older: Reverse Mortgages
Ready to discuss your deal? Request a Quote or call (310) 756-3619
*All loan programs, rates, terms, and conditions are subject to change without notice and may vary based on borrower qualifications, property type, and market conditions. Stated rates, LTV limits, and loan amounts represent general program parameters and are not guaranteed. Approval is not guaranteed and is subject to underwriting review. Blue Fox Capital Corp is a licensed mortgage broker (NMLS #1840487) and does not make direct loans. Loans are arranged through third-party lenders. Business-purpose and commercial financing is available nationwide; consumer mortgage products are offered in California only. Contact us for current rates and program details. Equal Housing Opportunity.