Borrowers
Clear lending guidance for active real estate borrowers.
If you are buying, refinancing, stabilizing, or building, this page helps you choose the right Sphinx Capital loan quickly.
Seasoned borrower-focused execution since 2015
Clear guidance across DSCR, bridge, construction, and selected commercial financing
Built to help you choose the right loan and next step quickly
Borrower proof
Who This Is For
Borrowers who need the right loan for the property and plan.
Use this page when you want to see quickly whether your financing need belongs in DSCR, bridge, or construction before you apply.
- Landlords and vacation-rental owners seeking long-term DSCR purchase or refinance financing
- Fix-and-flip and transition borrowers who need short-term bridge capital to move fast
- Developers and builders seeking ground-up construction capital with credible execution support
Choose By Strategy
Choose the program that matches how the property will perform.
Start with the business plan. The right loan becomes clearer when you match financing to the real strategy.
DSCR for hold strategy
Use DSCR when rental income is the main driver and the goal is long-term ownership, purchase, or refinance.
Bridge for transition
Use bridge when the property, rent, or business plan is still in motion and permanent debt is not the right first stop.
Construction for ground-up delivery
Use construction when the borrower needs a build-focused structure for residential, subdivision, multifamily, or selective commercial development.
Recent Context
Recent closings show the range.
These loans show the range of financing Sphinx Capital closes nationwide.
- $812,000 SFR Bridge Refi in Atlanta, GA
- $7,800,000 Multifamily Bridge in Los Angeles, CA
- $5,500,000 Subdivision Construction in Denver, CO
Next Step
Move from loan choice to application.
Once you know which program fits, the next step is a clear application.
Choose the program path that matches the business plan before you apply.
Use the DSCR calculator when a rental property needs a quick rent check before you apply.
Start the application when the property, borrower, and loan request are clear.
Use the application to move the request into live review.
Ready to choose a loan and apply?
Use the borrower page to get oriented, then start the application when you are ready.