Loan timelines vary by loan type and deal readiness:
Fix & Flip / Bridge Loans: as little as 7–14 days
Fix & Hold Loans: typically 7–14 days
DSCR Purchase or Refinance Loans: approximately 21–30 days
Ground-Up Construction Loans: 7–14 days
Commercial Loans: evaluated case by case
Timelines depend on documentation, property readiness, and underwriting review.
Yes. Prior experience is helpful but not always required. Each deal is reviewed individually based on the property, structure, and exit strategy.
Yes. ITIN borrowers may qualify depending on the loan program, credit profile, experience, and deal structure.
Yes. Chavez Capital provides financing in 46 states.
We do not currently lend in UT, MN, VT, or SD.
Most loan programs target a minimum credit score of 660.
Borrowers below this threshold may be reviewed on an exception basis, depending on the overall strength of the deal.
Rural properties are evaluated case by case and typically require experienced borrowers and strong deal fundamentals.
DSCR loan in rural we can go up 65% LTV case by case.
Refinance eligibility depends on the loan program, property condition, and seasoning requirements. Some programs allow refinancing once the property is stabilized or generating rental income. Typically 90 day seasoning.
Initial applications require only basic deal details.
After terms are confirmed, required documents may include:
Loan application
Purchase contract or settlement statement
Property details and rent roll (if applicable)
Scope of work or construction budget (if applicable)
Entity documents
Proof of liquidity
Document requirements vary by loan program.
Documents are requested after initial terms are reviewed and confirmed. This helps avoid unnecessary paperwork before deal viability is determined.
High-FICO programs are loan options that may offer enhanced terms for borrowers with strong credit profiles. Availability and terms vary by loan program and lender guidelines.
No. DSCR loans primarily focus on the property’s cash flow rather than personal income.
No. Bridge loans through Chavez Capital do not include renovation funding. Projects requiring renovation are typically structured as Fix & Flip or Fix & Hold loans.
If you have questions about a specific deal or loan program, our team is happy to help.
