Commercial & Land
Commercial Real Estate Financing
Rates from 8.75%
- Up to 75% LTV, 30-year loan options
- Office, retail, industrial, self-storage, hotels
- Land, houses of worship, mixed-use, warehouse
- No-doc and no-income options available
Funding Dreams. Building Futures.Real Estate Capital,
Real Estate Capital,
Engineered for Investors.
S&P Capital Mortgage delivers institutional-grade financing for homeowners, investors, builders, and commercial borrowers. FHA, Conventional, Reverse, Commercial, DSCR, Ground-Up Construction, and Fix & Flip — closed with speed, precision, and discretion.
$500M+
Capital Deployed
5 Days
Fastest Close
50 States
Nationwide Lending
8.75%
Rates Starting From
Financing Solutions
Capital solutions tailored to every stage of your investment.
From acquisition to construction to long-term rental, our lending programs are built to match the sophistication of your strategy.
DSCR / Rental
DSCR & Rental Property Loans
Up to 85% Purchase • 80% Cash-Out
- Qualify on property cash flow — no tax returns required
- 40-year loan options available
- Interest-only and adjustable programs
- Single-family, 2–4 units, and portfolio loans
Ground-Up Construction
New Construction Program
Up to 100% Project Financing
- Up to 85% LTC for multifamily builds
- 1–4 units and 5+ unit projects
- Fast closings with flexible draw structures
- Built for experienced builders and developers
Fix & Flip
Fix & Flip Bridge Financing
Up to 100% Purchase + Rehab
- Close in as little as 5 days
- No minimum FICO options
- Interest rates from 5% to 9%
- No payments until property sale on qualifying deals
FHA Home Loans
FHA Residential Financing
Down Payments as Low as 3.5%
- Flexible credit guidelines for first-time and repeat buyers
- Low down payment with competitive fixed rates
- Gift funds and down-payment assistance accepted
- Purchase, rate-and-term, and streamline refinance options
Conventional Loans
Conventional Mortgage Financing
Up to 97% LTV • Primary, Second Home & Investment
- Fannie Mae and Freddie Mac conforming and high-balance programs
- Fixed and adjustable rate options — 10, 15, 20, 25, 30-year terms
- Jumbo financing for high-value properties
- Purchase, refinance, and cash-out refinance available
Reverse Mortgage
Reverse Mortgage for Homeowners 62+
Tax-Free* Access to Home Equity
- HECM and proprietary jumbo reverse programs
- No monthly mortgage payments required
- Retain ownership of your home — remain in it for life
- Lump sum, line of credit, or monthly disbursement options
VA Home Loans
VA Loans for Veterans & Active Duty
$0 Down • No PMI • Competitive Fixed Rates
- 100% financing for eligible veterans, active duty, and surviving spouses
- No private mortgage insurance — lower monthly payments
- Flexible credit guidelines and reduced closing costs
- Purchase, IRRRL streamline refinance, and cash-out refinance
The S&P AdvantageBuilt on trust.
Built on trust.
Focused on results.
We understand that in real estate, capital is only as valuable as the speed and certainty behind it. Our platform combines institutional underwriting with the responsiveness of a private lender — so your next deal never waits.
Fast Decisions
Term sheets in 24–48 hours. Closings in as few as 5 days when speed decides the deal.
No Tax Returns
Asset-based and DSCR programs qualify on property performance, not personal income.
Creative Structures
Bridge, mezzanine, and interest-only options tailored to your capital stack.
Scale Your Portfolio
Portfolio lines and repeat-borrower programs designed for serious operators.
Nationwide Reach
Licensed and lending across the country from our Atlanta and Raleigh offices.
Experienced Team
Decades of combined underwriting and capital-markets experience on every file.
Mortgage Protection
Don't lose your home. Protect what matters most.
One straightforward policy covers death, disability, and critical illness — helping keep your family in their home and preserving the equity you've worked to build. Coverage is available on new originations and existing mortgages, residential and investment alike.
- Pay Off Your MortgageHelp keep your family in their home.
- Financial Peace of MindProtection when your family needs it most.
- Covers You 24/7On or off the job, at home or away.
- Simple & AffordableStraightforward protection that fits your budget.
No Medical Exam Fast & Easy Approval Protect Your Family's Future
Request Protection Details →Coverage & Rates
One policy. Three levels of protection.
$250K
Coverage
Rates From
$17.62/mo
$500K
Coverage
Rates From
$27.82/mo
$1M
Coverage
Rates From
$47.37/mo
Rates From
$17.62/mo
Sample rates. Final premium based on age, coverage, and underwriting.
Covers
Death, Disability & Critical Illness
Eligibility
No medical exam — fast approval
Enrollment
At closing or added to existing loans
Beneficiaries
Family, estate, or designated heirs
Begin Your Application
Let's build your next success story.
Submit your scenario and a senior loan officer will respond within one business day.
Our Office. Nationwide Reach.
Where you'll find us.
Southeast Headquarters
Atlanta, GA
Alvis Shaw
Branch Manager
Carolinas Office
Raleigh, NC
Akila Proctor
Branch Manager
Recently Closed
A track record of funded results.
A selection of recent transactions closed by the S&P Capital Mortgage team — across residential, investment, and commercial asset classes.
Closed
Fix & Flip Bridge
Atlanta, GA
Single-Family Residence
Loan Amount
$485,000
Closed
DSCR Rental Loan
Decatur, GA
Multifamily Duplex
Loan Amount
$742,500
Closed
Ground-Up Construction
Charlotte, NC
New Construction SFR
Loan Amount
$610,000
Closed
Commercial Real Estate
Marietta, GA
Retail Strip Center
Loan Amount
$1,250,000
Representative closings. Specific terms, rates, and structures vary by borrower, asset, and program. All transactions subject to underwriting approval.