The real estate market never stands still—and, as Florida’s leading balance sheet lender, neither does A&S Capital.

It is this commitment to constant innovation and meeting evolving client needs that has led us to recently expand our menu of services to include two new highly competitive offerings: Residential 1-4 Units Bridge Loans and Debt Service Coverage Ratio (DSCR) 30 Year Loans. Both of these products are designed to empower investors to fully leverage the fast, flexible financing that can make the difference between a near-win and your next, best success. Do we have your attention? 😉

Here are the details:

Residential 1-4 Units Bridge

Whether you’re seeking to purchase, fix & flip, refi, or invest in ground-up construction, A&S Capital can make the process more streamlined and advantageous.

Some benefits of our Residential 1-4 Units Bridge loans include:

• First-Time Borrowers & Foreign Nationals Accepted: Whether you're a seasoned investor or a first-time borrower, we welcome you! Our goal is to facilitate growth and success in the real estate market, and we are committed to supporting borrowers at every point of entry and level of experience.
• Leverage Up to 90% LTC and 75% LTV: Unlock the potential of your investment with a loan that covers up to 90% of the Loan to Cost (LTC), and 75% of the Loan to ARV (LTV). Maximize your resources and seize the right property without breaking the bank.
• Pricing from 10.25% and 1.25 Points: Benefit from our competitive pricing starting at just 11%, accompanied by 1.5 points. We believe in providing you with flexible and affordable financing options to support your real estate endeavors.
• As-disbursed Interest (No Prepayment Penalty!): As many of our projects contain a holdback for the renovations of the properties, we give our borrowers added flexibility by completely eliminating any type of prepayment penalty, and only charging interest on the money that is drawn from the holdback.
• Closing in 2-3 Weeks: Time is of the essence in real estate transactions. With our streamlined process, we guarantee a swift closing within 2-3 weeks. Take advantage of opportunities in the market without unnecessary delays.

DSCR (30 YR Loans)

Ready to level the real estate market playing field and tap a powerful financing tool that will allow you to build your holdings portfolio faster and smarter?

Look no further than A&S Capital’s 30 Year Fixed DSCR loans of up to $2.5 million, which—starting at 1.0x for 1-4 Units, 1.15x for multifamily—accelerate the investment process by qualifying your loan using the cash flow of the property rather than personal income.

From purchase to refi to cash-out, some highlights of our DSCR loans include…

• Your Investment Properties, Your Way: Maximize your leverage and agility whether you’re seeking to invest in a single family home, 2-4 units, condos, townhomes, multifamily (5 to 10 units) or even short-term vacation rentals.
• Location, Location, Location: A&S Capital DSCR loans are available in major markets, population 250,000 and above.
• Rates Tailored to Your Needs (Starting at a competitive 7.75%): 30 Year Fixed, 5/6 ARM, 7/6 ARM, 10/6 ARM
• Prepayment Penalty: Standard declining penalty.

Ready to get started? A&S Capital offers bespoke solutions for virtually all real estate bridge funding needs. Our professional team is dedicated to making the loan process painless, transparent and successful for domestic and foreign clients alike.