Flexible Capital for Real Estate Investors When Banks Say No

Secure the funds you need fast without the red tape. We specialize in Non-QM, DSCR, Fix & Flip and Construction loans to help you close more deals

Real Estate Capital Structured for Speed, Flexibility, and Execution

Capital provides flexible, business-purpose financing for real estate investors, developers, and operators who need certainty, speed, and structure—not bank checklists.

We specialize in deals that require creative underwriting, fast execution, and real-world flexibility.

Why This Exists

Traditional lenders are built for simplicity—not reality.

Investors today face:

  • Complex income and entity structures
  • Tight timelines and competitive deals
  • Properties that don’t fit retail guidelines

Our Capital division exists to solve that gap.

We help investors close deals others can’t by structuring capital around the deal—not forcing the deal into a box.

Who We Work With

This capital is designed specifically for:

  • Buy & Hold Investors
    Scaling rental portfolios using cash-flow-based financing
  • Fix & Flip Operators
    Acquiring and renovating properties on tight timelines
  • Developers
    Ground-up construction and heavy value-add projects
  • Self-Employed & Business Owners
    Using Non-QM and alternative documentation solutions

Not a fit for:
Owner-occupied primary residences, rate-only shoppers, or deals without a defined strategy.

Capital Solutions

We offer access to multiple capital sources and structures, including:

DSCR Investor Loans

  • Qualify based on property cash flow
  • No tax returns required
  • Ideal for scaling rental portfolios

Fix & Flip / Bridge Financing

  • Fast closings for time-sensitive acquisitions
  • Purchase + rehab structures
  • Designed for experienced operators

Construction & Development Loans

  • Ground-up and major renovation projects
  • Structured draw schedules
  • Flexible terms based on experience and deal strength

Non-QM & Bank Statement Loans

Every deal is reviewed individually. Structure matters more than rates.

How We’re Different

Why Investors Choose The Fernandez Group

We are not a single lender.
We are not a retail bank.
We are not a rate sheet.

Our advantage comes from deal-level thinking.

  • Multiple capital sources, not one box
  • Faster decisions and cleaner communication
  • Investor-first underwriting approach
  • Clear expectations and transparency
  • Long-term relationships over one-off transactions

We don’t promise miracles. We deliver clarity and execution.

Our Process

What to Expect

1️⃣ Initial Strategy Call or Deal Submission
We understand the deal, timeline, and objectives.

2️⃣ Deal Review & Structuring
We identify the best capital structure based on risk and execution.

3️⃣ Capital Execution
If it fits, we move quickly and decisively.

4️⃣ Ongoing Relationship
Many of our clients fund multiple deals with us over time.

No pressure. No wasted time.

Part of a Larger Platform

Capital is one pillar of our vertically integrated ecosystem.

Our clients benefit from:

  • Real estate execution insight
  • AI-powered systems and automation
  • SDR and deal-flow infrastructure
  • Long-term strategic alignment

This allows us to support investors beyond a single transaction.

Get Started

If you have a deal that needs capital—or you’re planning one—the first step is a conversation.

Schedule a Strategy Call

Compliance Notice

Business-purpose lending only.
All loans subject to underwriting and approval.
Terms and availability may vary by transaction.

The Fernandez Group | Capital Division
DRE 01369708 | NMLS 1957778