Cash-out and rate-and-term refinancing for residential investment and commercial real estate. Minimal paperwork. No W-2s. No tax returns. Run by investors for investors.
We do NOT pull credit. We’ll email you a full LOAN QUOTE.
No obligation. Your information stays confidential and is used only to respond to your inquiry. A loan officer will be in touch shortly, or call 1-888-858-3241 for immediate assistance.
Residential investment and commercial real estate, structured around your deal.
Pull equity out of a property you already own to fund your next acquisition, cover renovation costs, or build reserves. Up to 80% LTV on qualifying deals.
Move off a rate or structure that no longer serves the asset. Fixed terms from 12 months to 30 years, sized to your hold strategy rather than a lender’s default.
Replace expensive short-term financing — or a balloon coming due — with long-term debt before the clock runs out. One of the most common files we close.
Qualify the property on its own cash flow. Built for investors with portfolios, entity ownership, or tax returns that don’t tell the whole story.
Multifamily, retail, office, warehouse, mixed-use, and small-balance commercial from $100K to $75 million. Owner-occupied commercial is eligible.
Ground-up construction takeouts and bank statement qualification for self-employed sponsors and investors whose income doesn’t present neatly on paper.
You’re against a maturity date, a rate lock, or a contract on the next property — and your lender goes quiet for two days. Every experienced investor has lost a deal that way.
We answer within the hour during business hours, frequently in minutes. When something changes in your file, you hear it the same day, not the week of closing. That isn’t a courtesy we extend when things are slow; it’s built into how we run files, because in a time-sensitive deal, information delivered late is information that already cost you money.
You’ll also be talking to someone who has done what you do. Most of our loan officers are real estate investors themselves — they’ve run flips, held rentals, managed contractors, and sat on the wrong side of a lender’s silence. Your consultation is a conversation about draw schedules, exit strategy, and DSCR math, not a script read from a call center.
Get my rate quote| AMZA Capital | Traditional bank | |
|---|---|---|
| Underwriting basis | Property, business plan, and sponsor experience | Personal income and debt-to-income ratios |
| Response time | Within the hour | Two days to a week |
| Deals outside the box | Structured case by case | Automatic decline |
| Maximum LTV | Up to 80% | Lower caps, strict seasoning |
| Loan size | $100K to $75 million | Often capped well below |
| Time to close | 2 to 5 weeks | Weeks to months |
| Who you speak with | A loan officer who invests in real estate | Whoever answers the queue |
Terms subject to underwriting. Not all borrowers or properties will qualify.
Tell us about the property and what you’re trying to accomplish using the form — about a minute. No obligation, and no impact on your credit to ask.
A loan officer reviews the file and comes back the same day with a pricing proposal, or with what would need to change to make the deal work. We’ll tell you if it doesn’t pencil.
Lock your terms and fund. Terms run 12 months to 30 years, sized to your hold period rather than a rigid product menu.
Residential investment property — single-family rentals and 1–4 unit buildings — plus the full commercial spectrum: multifamily, retail, office, warehouse, and mixed-use. Owner-occupied commercial qualifies. We do not finance owner-occupied 1–4 unit residential; every loan we write is business-purpose.
Up to 80% LTV depending on the property, its income, and your equity position. Rate-and-term refinancing with no cash out is available as well.
Yes, and it’s one of the most common files we close. If you have a balloon approaching or short-term debt that’s become expensive to carry, moving into long-term financing is exactly what these programs are for.
Yes. Entity ownership — LLCs, corporations, trusts — is standard for the investors we work with and creates no complication.
Nationwide, with the exception of Alaska, Arizona, Minnesota, Nevada, North Dakota, South Dakota, and Vermont. AMZA Capital is licensed under NMLS 2262631 and CA DFPI 60DBO 86104.
That’s usually why investors come to us. Partial seasoning, an unusual entity structure, a property mid-repositioning, income that doesn’t present cleanly on a return — we look at the asset, the business plan, and your track record, and work to find a structure. If it can’t be done, we’ll tell you plainly and explain what would need to change.
One short form and a loan officer will come back to you with a no-obligation pricing proposal. Up to 80% LTV, $100K to $75 million, closings in 2 to 5 weeks.
Prefer to talk? Call 1-888-858-3241.
