U.S. DSCR Market Brief for Borrowers: June 2026 Read article →

A modern home financed through Sphinx Capital

Since 2015 · 1,000+ loans closed · $750M+ funded

Demystifying Real Estate Finance

Providing fast, flexible financing for residential and commercial properties nationwide.

Get a Quote → Talk With Us
  • 1,000+Loans closed
  • $750M+Capital provided
  • 11 YearsLending experience
American Association of Private Lenders, Proud Member

Proud member of the American Association of Private Lenders.

LOAN PROGRAMS

Four programs. Headline terms up front.

Start with the financing path that matches the deal, the borrower profile, and the exit plan.

DSCR

Long-term rental financing when property cash flow supports the loan.

6.50% Rate from
View DSCR program
Amount
$100K – $20M
Leverage
Up to 80% LTV
Close
As fast as 15 days
  • Rentals
  • Refinance
  • Portfolio
Recently funded $200,000 · SFR Rental Refi · Chicago, IL

Fix & Flip

Short-term capital to acquire, renovate, and exit, with terms visible upfront.

9.50% Rate from
View Fix & Flip program
Amount
$200K – $10M+
Leverage
Up to 90% LTC · 75% ARV
Close
As little as 10 days
  • Acquire
  • Renovate
  • Exit
Our speed Closings in as little as 10 days

Bridge

Short-term financing for properties still in transition before permanent debt.

SOFR + 3%¹ Rate from
View Bridge program
Amount
Deal-sized
Leverage
Transitional
Close
Fast review
  • Transition
  • Fast
  • Flexible
Recently funded $7,800,000 · Multifamily Bridge · Los Angeles, CA

Construction

Ground-up financing for residential builders and developers.

9.99% Rate from
View Construction program
Amount
$500K – $50M+
Leverage
75–90% LTC
Close
12–36 mo terms
  • Ground-up
  • Draws
  • Developers
Recently funded $5,500,000 · Subdivision Construction · Denver, CO

¹ Commercial bridge terms can start around SOFR + 3%. Rate figures are as-published and rate-sheet-governed; confirm current terms before applying.

CLIENT FEEDBACK

Borrowers cite responsiveness, transparency, and follow-through.

Working with Lance and Warren at Sphinx Capital has been a great experience! They are responsive, knowledgeable and make the process easy to understand. We now use them for all of our loan needs, both for renovations and DSCR refinances.
Katie N

CHOOSE THE RIGHT PATH

Move quickly toward the right loan.

Investors

Quick options for purchases, refinancing, and portfolio growth. See whether DSCR, bridge, or construction fits your scenario. Built for active, experienced investors who need certainty of closing.

Explore investor paths →

Brokers

We work with brokers and referral partners. Flexible involvement from a simple intro to full point-of-contact support. Over half of our business comes through partners, and those relationships are protected.

Explore broker partnerships →

Loan Programs

Compare DSCR, fix & flip, bridge, and construction side by side. See headline terms and where each program works best.

Browse loan programs →

WHY SPHINX

Built to close, not to stall.

10–15 day closes

Speed you can plan around, on DSCR and fix & flip.

Terms up front

Amount, leverage, rate, and close time before you commit.

Certainty of closing

Early terms, coordinated diligence, a step ahead of every deadline.

Relationships protected

Over half our business comes through partners, and it stays yours.

A real track record

1,000+ loans and $750M+ funded since 2015.

Business-purpose focus

Built for investors and brokers, not consumer mortgages.

RECENT FINANCINGS

A sample of what we close.

Recently funded transactions across Sphinx Capital's national lending footprint.

$2,960,000 16 SFR Portfolio Purchase · North Carolina
$2,850,000 24 Unit Multifamily · Tennessee
$1,500,000 Condo Portfolio · Texas
$3,663,000 24 Unit New Construction · Louisiana
$3,000,000 Condo Portfolio Construction · Georgia
$3,900,000 Single Family Fix and Flip · Florida
See all recent closings →

WHERE WE LEND

Lending in 46 states, coast to coast.

We fund business-purpose real estate loans nationwide. The four states shown in grey, North Dakota, South Dakota, Vermont, and Alaska, are the markets we do not serve today.

Map of the United States. Sphinx Capital lends in 46 states.
States we lend in Not currently lending

WHAT HAPPENS AFTER YOU APPLY

Three phases. Six steps. A direct path to funding.

  1. Initial review & terms
  2. Application & diligence
  3. Approval & funding
  1. Step 1

    Start the application

    Share the property, borrower, and loan details needed for an initial review.

  2. Step 2

    Review early terms

    We review the request and return early feedback and terms so you can judge fit and timing.

  3. Step 3

    Complete the package

    If the terms make sense, we gather the remaining items needed for full review.

  4. Step 4

    Order reports & diligence

    Appraisal, title, insurance, and related diligence are coordinated as needed.

  5. Step 5

    Final review

    We clear remaining questions and prepare the loan for approval.

  6. Step 6

    Close & fund

    After approval, the team coordinates closing so the loan can fund.

See the full process →

RUN THE NUMBERS

Check the numbers before you apply.

Use the DSCR calculator for a quick rent-to-payment read on a rental property, then move into the application when the deal is clear.

Open the DSCR Calculator →

TALK WITH US

Tell us about the deal.

Tell us what property you're buying, refinancing, or building, and we'll point you to the right next step.

Address
1343 Main Street, Suite 705, Sarasota, FL 34236

Ready to apply for a loan?

Start your application when you're ready, or talk with us first if you want help choosing the right loan.

Apply Now Talk With Us