Exclusive Services
At Devency Capital, we help real estate investors access the capital they need — fast. Unlike traditional banks, we’re focused on the property’s potential, not endless paperwork. Our private and hard money loans are built for investors who want speed, flexibility, and tailored solutions that match their goals.
Here’s a breakdown of our most popular loan programs:
🔨 Fix & Flip Loans
A Fix & Flip loan is a short-term financing option designed for investors who purchase distressed properties, renovate them, and resell for profit.
Advantages:
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Fast closings — often within days, not months
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Financing covers both purchase price + rehab costs
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Short-term terms (usually 6–12 months) designed for quick exits
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Focus on property value after repairs (ARV) rather than borrower’s income
👉 Perfect for investors looking to turn undervalued homes into profitable deals quickly.
DSCR Loans (Debt Service Coverage Ratio)
A DSCR loan qualifies borrowers based on the property’s cash flow rather than personal income, making it ideal for rental investors.
Advantages:
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Approval based on rental income, not W-2s or tax returns
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Flexible 30-year fixed or adjustable terms
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Works for single-family rentals, small multifamily, and vacation rentals
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Easier path to building a long-term rental portfolio
👉 Best for investors growing rental cash flow without traditional income verification.
🏢 Commercial Real Estate Loans
Commercial loans provide financing for income-producing properties, including multifamily, retail, office, and mixed-use assets.
Advantages:
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Funding for acquisitions, refinancing, or repositioning projects
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Available for all deals
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Flexible structures tailored to investor strategies
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Great for scaling into multifamily or commercial property ownership
👉 Ideal for investors expanding into commercial and multifamily real estate.
🏗️ New Construction Loans
A new construction loan finances both land acquisition and ground-up development for builders and developers. Funds are typically released in stages (draws) as the project progresses.
Advantages:
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Covers land purchase + construction costs
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Flexible draw schedules based on project milestones
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Works for single-family, townhomes, and small multifamily projects
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Designed for developers with quick build-and-sell strategies
👉 Perfect for builders and developers bringing new projects to life.
🌉 Bridge Loans
Bridge loans are short-term financing solutions that “bridge the gap” between the purchase of a property and securing permanent financing or resale.
Advantages:
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Extremely fast funding — close in days
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Flexible 6–24 month terms
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Ideal for auction purchases or time-sensitive opportunities
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Works for both residential and commercial properties nationwide
👉 Great for investors who need speed while waiting for long-term financing.
💵 Cash-Out Refinance
A cash-out refinance allows investors to tap into the equity of an existing property, replacing the old mortgage with a larger loan and taking the difference in cash.
Advantages:
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Unlock capital tied up in properties
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Use funds for new acquisitions, renovations, or debt consolidation
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Keep your property while accessing cash for new opportunities
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Works for single-family, rental, and commercial properties
👉 Ideal for investors ready to scale their portfolio using existing equity.