Private Money Lender · Nationwide

Fast, Flexible Capital for Investors Who Build Wealth — Not Wait For It.

RS Capital funds real estate investors, builders, and developers nationwide with Fix & Flip, DSCR Rental, Bridge, and Ground-Up Construction loans — closed in days, not months.

✓ 10+ Years Lending ✓ Up to $3,000,000 Loans ✓ Up to 80% LTV Cash-Out ✓ Vacant & STR Properties OK

Get Your Free Rate Quote

No obligation. A loan advisor replies same day.

Start My Application →

Takes about 2 minutes. No cost, no obligation.

10+
Years Lending Nationwide
$500M+
Funded to Investors
46
States Nationwide
Our Loan Programs

One Lender. Every Program You Need.

Flexible financing for every stage of the deal — from acquisition to rehab to long-term hold.

Fix & Flip / Rehab

90% of purchase + 100% of rehab. Fast draws, no monthly payment options.

Up to 90% LTC Learn More →

DSCR Rental Loans

Qualify on property income, not personal income. Build long-term rental wealth.

Up to 40-Yr Term Learn More →

Ground-Up Construction

From lot purchase to final draw. New builds, custom homes, and development projects.

Flexible Draw Schedule Learn More →

Bridge Loans

Short-term capital to seize opportunities fast on time-sensitive acquisitions.

Close in Days Learn More →

Specialty Programs

Luxury builders, 2nd-position DSCR, rural fix & flip, and portfolio financing.

Custom Structured Learn More →
Why Investors Choose Us

More Than a Lender — A Funding Partner

We focus on the deal, not just the paperwork. That means faster approvals and smarter loan structures.

Speed That Wins

Close in days, not months, with same-day term sheets available.

Common-Sense Underwriting

We evaluate the deal itself, not just the paperwork.

Nationwide Reach

From single-family homes to multimillion-dollar developments in 46 states.

Flexible Loan Programs

Fix & Flip, DSCR, Bridge, Construction, and more — one lender, every stage.

Investor-Centered

A dedicated loan advisor with you from application to closing.

Proven Track Record

Over a decade helping investors fund, flip, and scale their portfolios.

Ready to Fund Your Next Deal?

Get a same-day term sheet — no cost, no obligation.

Request Loan Terms →
How It Works

The RS Capital Process

Getting funded is simple — from application to closing in as little as a few days.

1

Apply in Minutes

Quick online application, no paperwork pile-up.

2

Get Pre-Approved

Same-day term sheets available on most deals.

3

Close with Confidence

Appraisals, underwriting and funding without bank delays.

4

Scale Smarter

Reinvest, refinance, and repeat with your dedicated advisor.

Recent Closings

Real deals we've funded for real investors.

Bridge loan closing in Atlanta, GA

Atlanta, GA

$3.3M

SFR Bridge (No Rehab)

No monthly payments

Bridge loan with rehab closing in Kansas City, MO

Kansas City, MO

$272K + $25K rehab

SFR Bridge (With Rehab)

Advanced rehab draws

DSCR loan closing in Hudson, FL

Hudson, FL

$304K

SFR DSCR

Short-term rental, low rate

Bridge loan with rehab closing in Alameda, CA

Alameda, CA

$970K + $210K rehab

SFR Bridge (With Rehab)

Rehab funds issued upfront, no monthly payments

Nationwide Coverage

Where We Lend

Licensed and actively funding in 46 states. Explore financing options in your market.

Let's Get Your Deal Funded

Tell us about your deal and a loan advisor will follow up the same day — no cost, no obligation.

832-979-6206
Loans@JustSmartCapital.com

Request Your Loan Terms

No obligation. A loan advisor replies same day.

Start My Application →

Takes about 2 minutes. No cost, no obligation.