Experience top-rated real estate lending with confidence.

Looking for financing but have credit problems or a recent bankruptcy?

No problem! As true in-house private money lenders, we specialize in helping those with unique financial situations achieve their investment goals. Let us help you today!

Fix And Flip

Get quick and easy financing for your fix and flip project with our purchase and rehab funding. Enjoy funding in as little as 10 days, no interest on undrawn rehab funds, and lightning-fast closings.

Rental Loans

Our hassle-free rental loans allow you to purchase or refinance with just 25% down on the purchase. Need cash-out? No problem! We offer up to 65% cash-out options to help you maximize your returns.

Multi-Family Real Estate Property with up to 5+ units

Commercial Mixed Use, Office, Retail, and Flex Industrial

Exciting New Investor Loans with Flexible Options

Smart Investors Keep Their Options Open

Your Flexibility in Commercial Loans for Better Future

At Lenz Capital Funding, we specialize in providing flexible and efficient capital to Real Estate entrepreneurs. Our background in Real Estate allows us to see the potential in your projects and provide financing solutions that traditional banks may not consider. Trust us to help you turn your Real Estate goals into a reality.

Fix-to-Flip for 4 Options for Smart Investors that keep their options open

Lenz Capital Funding Purchase and Rehab Funding

our main focus

Beyond Lending, we are dedicated to your success!

Cash-Out Refi

Unlock the equity in your property with Cash Out Refi – the hassle-free way to get a loan from $100K to $1MM without any tax or income verification requirements. Access the cash you need quickly and easily with our trusted and reliable service.

Resi Owner-Occ

Looking for a reliable and hassle-free home ownership solution in Florida? Look no further than Resi Owner-Occ! Our 360-day term, designed specifically for Florida residents, provides the flexibility you need to own your dream home without any pre-payment penalties. With a credit score of 700 or higher, you can trust us to provide you with a credible and trustworthy service.

Multi-Family

Unlock the equity in your property with Cash Out Refi – the hassle-free way to get a loan from $100K to $1MM without any tax or income verification requirements. Access the cash you need quickly and easily with our trusted and reliable service.

Questions about Inventory, Capital, or Rehab?

We have 10+ years experience in successful Real Estate Investing.

Talk to one of our PRO Investment Coaches.

Working with Emmanuel has been a pleasant and stress-free experience, and I've never met anyone more committed to delivering on their promises. After their strategic planning I was able to pay off my loans and got qualified for a better deal, putting my business back on a healthy growth trajectory.
bob harleyu
client 2
Emmanuel at Lensz is a small business lending expert. He saved me from high-interest loans by creatively consolidating them into one affordable plan that benefits my business. I highly recommend Lensz Capital for their outstanding service and expertise
jon dhony
client 1
Lensz Capital made my dreams come true! I never thought I'd be able to start my own business until Emmanuel helped me secure the funding I needed. I'm so grateful for their expertise and supports through out the overall process.
carmilla angel
client 3

Proven & Trusted Since 2013

Over $500 Million Provided to Investors by Our Staff of Loan Professionals

Frequently Asked Question

Lensz provides funding for residential, non-owner occupied properties.
Lensz does business in select states throughout the US. Please see our Lending Map to see if we currently loan in your area.
Lensz routinely funds investors in as little as 10 days from start to finish. This can vary depending on the size and type of the investment project.
Our approvals are primarily based on an investor’s ability to succeed. Damaged credit or self-employed is ok.
There are no pre-payment penalties for our Investor Rehab loans, and our Cash-out Refinances. Rental Property loans do have a pre-payment penalty for up to five years.
Our minimum loan amount is $100K.
Yes. Most of our loan programs include the option of funding for property rehab.
Our pricing is fair and straightforward with no junk fees or hidden charges at closing. A good faith estimate of all loan costs will be provided free-of-charge after loan request.
The Minimum down payment is 20% of the Purchase Price. This does not include closing costs.
Yes, Lensz provides Proof-of-Funds Letters to approved Investors with a (1) business day turn around.
The maximum (combined) loan-to-value can range from 60% to 80% of the After Repaired Value (“ARV”) of the investment property, depending on the loan program. The ARV is estimated by averaging recent comparable sales of arms-length transactions in the neighborhood. We typically do not use foreclosures or short sales for comparison, only conventional sales.
Debt Service Coverage Ratio (DSCR) is a calculation that helps us determine if a rental investment is generating enough income to make its loan payment obligations. To calculate the debt service coverage ratio, simply divide the net operating income (Rental Income) by the annual debt (Principal, Interest, Taxes, Insurance and Association Fees).
No, Lensz provides commercial only loans that are non-owner occupied (investment) properties.

1. Company Principal Info

2. Investment Property Info

3. Contact Preferences