Who we are
A NATIONWIDE LENDER FOR REAL ESTATE INVESTMENTS
Aether Capital is a nationwide, private lender.
We provide short-term fix & flip financing and long-term rental financing for real estate investors. Our loans, often called hard money loans, can be used for the purchase or refinance of non-owner occupied residential & commercial properties, financing of renovation projects, and bridge funding.
Aether Capital lends to real estate professionals, commercial contractors, developers & small business owners throughout the country.
What we offer
Transforming Businesses
in the Digital Age
Aether Capital's ARV Loan Program offers financing for up to 90% of the purchase price + 100% of renovation costs for rehab projects, not to exceed 75% of the after-repair value. Plus, Aether Capital only charges interest on your outstanding balance, not on the rehab holdback so you don’t pay for the funds you aren’t using.
Aether Capital remains committed to your future investments with our Long-Term Rental loan program. This program offers a 30-year term and rates starting at 6.7% to ensure that our customers have true long-term financing options.
Aether Capital offers short-term bridge financing, fix and flip financing, & long-term rental financing for 5+ unit apartments.
Aether Capital is able to provide financing to cover all of your ground-up construction needs. This program offers an 18-month term and rates starting at 10.99% to make sure your project is well-funded from start to finish.
Aether Capital provides investors with the financing to build long term wealth with our Investor Rental Portfolio loan program. With flexible term lengths and low rates, our clients have everything they need to grow their real estate empire.
Talk to us today about your custom project and get the best financing in the market!
How it works
Receive a loan in Just 3 Simple Steps!
CLICK the "Apply" button below to start your path to getting funded today!
Provide Your underwriter with the required documentation to process your loan. Check the FAQs below or contact us directly if unsure of what documentation you will need.
Receive your funds within 30 days of applying, and make your real estate goals a reality.
Most Popular Questions
For case specific questions please contact us directly
Short-Term Bridge
- Term: 12 Month & 18 Month Loans
- Loan Amount: $50k – $10M
- Minimum Property Value:
$75k for 1-4 Family Properties
$50k per unit for 5+ Unit Multis - Rates: Starting at 10.24%
- LTV for Purchase: Up to 75% of the As-Is Value
- LTV for Refinance: Up to 65% of the As-Is Value
- LTV for Cash-Out: Up to 60% of the As-Is Value
- Property Types: Residential 1-4 Units; Condos; Townhomes; 5+ Unit Apartments; Mixed-Use Properties
- Occupancy: Non-Owner Occupied
- Minimum FICO: 620
After Repair Value (ARV) Loan Program
- Term: 12 Months
- Loan Amount: $50k – $7.5M
- Minimum Property Value: $50k
- Rates: Starting at 10.24%
- LTV: Up to 70% of After Repair Value
- LTC (Loan-to-Cost): Up to 85% of Purchase Price, Up to 100% of Rehab Costs
- FICO: 620 Minimum Credit Score
- Property Types: Residential 1-4 Units; Condos; Townhomes; 5+ Unit Apartments; Mixed-Use Properties
- Occupancy: Non-Owner Occupied
- Termination Fee: 1% After Month 9
- No Pre-Pay Penalty
- Experience Not Required but Does Affect Pricing & Leverage
Long-Term Rental Loan Program
- Term: 30 Years
- Loan Amount: $55k to $2M
- Minimum Property Value: $100k
- Rates: Starting at 6.99%
- LTV for Purchase: The Lesser of up to 80% of As-Is Value or up to 80% Loan-to-Cost
- LTV for Refinance: Up to 80%
- LTV for Cash-Out: Up to 75%
- Property Types: Residential 1-4 Units; Condos; Townhomes; Planned Unit Development (PUD)
- Pre-Pay Penalty: Prepays Adjustable Up to 5 Years
- Minimum FICO: 680
Long-Term Rental Multi-Family Loan Program
- Term: 30 Years
- Loan Amount: $100k to $2M
- Rates: Starting at 7.15%
- LTV for Purchase: The Lesser of up to 67.5% of As-Is Value or up to 67.5% Loan-to-Cost
- LTV for Refinance: Up to 67.5%
- LTV for Cash-Out: Up to 65%
- Property Types: Non-Owner Occupied Multi-Family Real Estate; 5+ Unit Apartments; Maximum 9 Units
- Pre-Pay Penalty: Prepays Adjustable Up to 5 Years
- Minimum FICO: 680
New Construction Loan Program
- Term: 12 – 24 Months
- Loan Amount: $100k to $2M
- Rates: Starting at 10.99%
- LTV for Purchase: Up to 80% of Initial Advance; Up to 90% Total Loan-to-Cost
- LTV for Refinance: Up to 75% of Initial Advance; up to 90% Total Loan-to-Cost
- Property Types: Non-Owner Occupied Single-Family Properties; Condos; Townhomes
- Pre-Pay Penalty: N/A
- Minimum FICO: 650
If you are a current Aether Capital client, please contact your loan officer directly with any questions.
If you are a new client, you can contact Aether Capital by phone through our general number: (951)-400-8006 or by email: [email protected]
Aether Capital requires basic documentation to underwrite the borrower and the property. This includes an application; authorization to run a credit report and background check; copies of bank statements (proof of funds); property appraisal; copies of leases, if appropriate; renovation estimates; and documentation on the business entity.
Aether Capital’s bridge loans and After-Repair Value loan program have a minimum FICO requirement of 620. The Long-Term Rental loan program has a minimum FICO of 680. The New Construction loan program has a minimum FICO of 650. With all loans at Aether Capital, the borrower’s credit score is taken into consideration when underwriting the loan. Aether Capital reviews the individual’s history to determine if there is a repeating pattern of poor financial management or if an isolated incident affected the individual’s credit. We also look at the borrower’s credit in terms of the exit strategy. If the borrower intends to buy and hold rather than fix and flip the property, we will pay closer attention to FICO scores.
For our Bridge Loans, After-Repair Value loan program, and Buy-to-Rent loan program, Aether Capital will consider non-owner occupied 1-4 family & multi-family real estate, condos, townhomes, 5+ unit apartments & mixed-use properties as potential collateral. For our Long-Term Rental loan program, Aether Capital will consider non-owner occupied 1-4 family real estate, condos, townhomes, and planned unit developments (PUDs) as collateral.
Hard money loans are a specific type of asset-based loan that is typically secured by real estate. At Aether Capital, loans are backed by non-owner-occupied residential real estate or small-balance commercial real estate. In some cases, multiple non-owner occupied properties are cross-collateralized to secure the needed loan amount.
Commercial loans are used for business purposes, rather than individual or personal interests. At Aether Capital, we only make commercial loans that are secured by non-owner-occupied residential and commercial real estate.
A bridge loan is typically interim alternative financing used by a business until more conventional financing is secured. The bridge loan may also be used to cover short-term cash-flow issues.
A bridge loan is typically interim alternative financing used by a business until more conventional financing is secured. The bridge loan may also be used to cover short-term cash-flow issues.
Aether Capital will gladly compensate you for a referral that results in a closed loan, under local rules and regulations. It is up to you to determine whether you are legally able to accept a referral fee.
