Capituro
Real Estate Capital Firm

Capital to Acquire,
Refinance, and Scale.

Short term and long term financing for multifamily and commercial property you own or are buying.

$300K to $50M
Loan amounts
1 to 300+
Units
35 states
Accepting loan requests
30 yr
Loans available
Refinance a 5 to 50 unit apartment building/Cash out on a neighborhood retail center/Pay off a bridge loan with long-term debt/Refinance a leased warehouse or flex building/Cash out after a renovation or lease-up/Finance a self storage facility/Refinance ahead of a balloon or rate reset/Refinance with no prepayment penalty/Refinance a leased office building/Buy your next apartment building/Refinance mixed use with apartments upstairs/Finance a Section 8 heavy rent roll/Refinance a daycare or auto service property/Qualify with depreciation added back/Refinance several buildings together or apart/Close in your LLC or holding company/
Why Investors Choose Us

One Relationship,
Every Building in the Portfolio

We review permanent financing for multifamily and commercial property you own or are buying to hold, from a 10 unit refinance to a portfolio across several states.

Explore Loan Programs
1

A paper loss is not a dealbreaker

A tax return showing a paper loss from depreciation or a cost segregation study does not end the conversation here. We look at the building, the leases, and the rest of what you own, not just the bottom line of your return.

2

Structure built around your plan

Holding ten years or selling in three, a 30 year fixed or a 5 year term, recourse or not. We look at the building and the plan together and lay out the options side by side, so the loan fits how you own the property.

3

Get an answer quickly

Send the numbers and you will hear back quickly on what the building supports, what it will take to close, and what could change the number. Then we shepherd the deal until it's closed.

Loan Programs

Loans that match what you own

Flagship

Cash Out Refinance

Take cash out of an apartment building, commercial property, or rental you already own.

Up to $30M
Loan size
Up to 200
Units
Up to 75%
Maximum LTV
5-30 yr
Term
MultifamilyMixed useRetailOfficeSelf storageLight industrialSingle family
Program details
How it works

Four steps
to a closed loan

Tell us about the property and we take it from there. You will always know where things stand.

01

Tell us about the property

The address, what you want the financing to do, and the rent roll and operating statement if you have them. That is enough for us to start running the numbers.

02

See the terms

We work out what the building can support and lay out the structure that fits your plan: loan amount, rate, term, prepayment, and what it will take to close. You will hear back quickly.

03

We do the legwork

Appraisal, title, insurance, and the rest are coordinated for you. You get updates as each piece comes in, and nothing sits waiting on you without a heads up.

04

Close and fund

Once everything clears, we schedule closing and stay with you until the loan funds, and after that for the next building.

Property Types

Property types
we like

We review loan requests for income-producing property, from a single rental to apartment and commercial buildings.

Not sure if your property fits?
Special use properties are welcome. Send it over and we will tell you what we can do.
Ask an advisor
State Coverage

Where We Close

Highlighted states are where we currently accept loan requests.

We close here
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For property owners
Who These Loans Are For

You've done the hard part.
The loan shouldn't be.

Multifamily
You own apartment buildings

Refinance or cash out on apartment buildings from 5 to 300+ units, on a 30 year amortization or interest-only.

Commercial
You own retail, office, or mixed use

Refinance or cash out on a leased commercial building, from a single tenant retail box to a multi-tenant office.

Free and Clear
You own it outright

Pull capital out of a property with no debt on it, at the leverage you actually want. Borrow what the next deal needs, not the maximum the appraisal allows.

Tax Strategy
Your returns show less than you earn

Cost segregation and accelerated depreciation don't get you turned down here. We add the depreciation back, so the paper loss your CPA worked hard to create stays on paper.

Common Questions

Answers to common questions

What kinds of properties do you work on?+
Apartment buildings from 5 to 300+ units and for commercial property like retail, office, mixed use, and net lease. We also review loan requests for 1 to 4 unit rentals.
Can I take cash out of a property I already own?+
Yes. On a stabilized property, a cash-out refinance can go up to 75% of the value, as long as the income supports the payment. If you bought recently, cash out is still possible when something explains why the value has grown since the purchase, like a renovation, higher occupancy, or a below-market price.
Should I choose a fixed-rate loan or interest-only?+
It depends on your plan for the building. A 30 year fixed rate, or a shorter fixed period with no prepayment penalty, suits owners who want to pay the loan down while they hold. Interest-only keeps the payment lower and can often support a larger loan, which usually means more cash out. Tell us your plan and we'll recommend one.
What do I need to send to get started?+
For an apartment building or commercial property, the current rent roll and the trailing twelve-month operating statement (T-12). For a 1 to 4 unit rental, the address and the current income. Everything else comes later, once you've seen terms and decided to move forward.
Get in touch

Ready to talk about
your property?

Send the basics. We will usually get back with a quote the same day.

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