Lending & Owner Financing
Empowering Real Estate Investors with Flexible, Fast Capital Solutions
Tailored lending for every deal.
At Ashland Capital, our lending services go beyond traditional bank loans. We specialize in Creative financing owner financing and private money solutions designed for real estate investors, rehabbers, and developers. Drawing from our 38+ years of expertise — including 2,223 lots developed and 50,000 sq ft of commercial space 500k sqft industrial — we provide the capital you need without the red tape.
Our Core Lending Products
Rehab & Fix-and-Flip Loans: Short-term funding (6–24 months) to purchase and renovate distressed properties. Up to 100% of rehab costs covered, based on after-repair value (ARV).
Owner-Financed Purchases: We act as the lender on seller-financed deals, offering flexible terms for buyers acquiring investment properties.
Joint-Venture Partnerships: Equity-debt hybrids where we co-invest alongside you, sharing risks and rewards on larger projects.
Note Holding & Bridge Loans: We purchase or hold seller notes for quick liquidity, or provide interim financing to bridge gaps until permanent funding.
Rental & Long-Term Financing: Debt service coverage ratio (DSCR) loans for cash-flowing properties, with terms up to 30 years.
Creative Financing: Don't see what you need? Let us know!
Why choose Ashland lending?
Owner financing and private lending aren't just alternatives — they're accelerators for your portfolio. Based on industry standards, here's how our solutions deliver real advantages:
For Rehabbers & Flippers
Speed to Market: Close in days, not weeks. Start rehabs immediately and capture ARV upside faster than bank timelines allow.
Flexible Qualification: No W-2s or tax returns needed. We focus on the deal's potential, not your credit history — ideal if banks have turned you down.
Cost Savings: Lower fees than hard money (1–3 points vs. 3–5%) and no appraisal hassles. Plus, interest-only payments keep cash flow positive during flips.
For Long-Term Investors & Landlords
Higher Returns: Earn 8–12% yields on your capital through notes, outperforming CDs or stocks while secured by real estate collateral.
Portfolio Growth: Leverage up to 90% LTC to scale without tying up your own cash. Tax benefits like depreciation and interest deductions amplify ROI.
Risk Mitigation: We structure deals with conservative LTVs (under 75%) and require title insurance. Balloon payments allow quick exits if rates drop.
Proven Impact
Investors using private/owner financing close 2–3x faster than traditional loans, with average flip profits 15–20% higher due to timely execution. At Ashland, we've funded over $100M in deals, mirroring our legacy of strategic exits like the 2005 Lennar sale.
Rental & Long-Term Financing: Debt service coverage ratio (DSCR) loans for cash-flowing properties, with terms up to 30 years.
The Ashland lending process.
Getting started is straightforward — we handle the heavy lifting so you focus on deals. Here's the step-by-step:
Submit Your Deal (5 Minutes): Use our online form or call (430) 276 -3100, (Toll Free (888) 982-9331). Provide property details, ARV estimate, rehab budget (if applicable), and your experience level. No docs needed upfront.
Quick Review & Pre-Qualify (24 Hours): Our team assesses the opportunity using comps and your input. We'll pre-qualify with a soft credit pull and outline terms — no commitment required.
Full Underwriting (3–5 Days): Submit basics like purchase contract, photos, and scope of work. We verify ARV via drive-by appraisal and run title. Expect a term sheet with custom rates/terms.
Close & Fund (7–14 Days Total): Sign digitally, wire your down payment (10–25%), and we disburse. For rehabs, draws release in 24–48 hours post-inspection.
Ongoing Support: Monthly servicing in-house. Refinance or extend as needed — we're partners for the long haul.
Pro Tip: Have an exit strategy ready (sell, refi, or hold). We can connect you to our buyer network for seamless transitions.