We provide funding for residential, non-owner occupied properties and commercial properties including (but not limited to): single family, condo, town home, retail, multi family, warehouse and mixed-use. We do not loan on mobile or manufactured homes.

We lend within the United States of America, primarily 40+ States

Loans can be processed and funded in as little as 10 days

Our approvals are primarily based on an investor’s ability to succeed. Damaged credit or self-employed is ok, most programs do not require a minimum credit score to participate

On our bridge or rehab loans there are NO pre-payment penalties.

In most cases $75,000.00

Yes, the nature of our fix & flip loans are to provide you the funding for the purchase and renovation of your investment property.

Upfront costs for appraisal, inspection, etc… will vary based on your loan options. We will not exceed 4 points or 4% of the total loan value for any product or service offered

  • Bridge & Renovation Loans: 8.5% – 14% Interest Only
  • Buy & Hold or Refinance: 6.5% – 14%
  • Interest Rates Will Vary Depending on Asset & Borrower Risk
  • Bridge & Renovation Loans: 10% – 25% Down Payment
  • Buy & Hold: 25% – 35% Down payment

No. Our loans are for investment properties only.

No. There cannot be any secondary finance including the Seller holding the Note.

Most loans will close in your LLC or Corporation, depending on your structure but some states allow for you to close in your personal name, please inquire within for further details

Yes, we run credit but our loans are asset based

Yes. All properties require a broker price opinion or appraisal, which may take up to 7+ days to receive and prices vary depending on the region of order.

We order the valuation which allows the process to be hassle free and hopefully expedited

Not necessarily, we only verify information to be certain you can make the minimum down payment and service the interest payments for the term of the loan.

If there is sufficient equity in a project then it may be considered to roll interest payments into the loan during the term of construction/renovation.

  • Bridge or Renovation Loans: Up to 90% of Purchase, Up to 80% of As-Is value
  • Buy & Hold or Refinance Loans: Up to 75% LTV Max, in most cases for new clients we will allow 65% max LTV

Our Mailing Address

Smoky Mountain Capital, LLC
174 W. Comstock Suite 113
Winter Park, FL 32708

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