GoKapital  provides competitive non-bank lending options for real estate residential and commercial real estate investors.


Customers apply online with our easy application.


Risk based pricing rewards customers based on credit.


Get an answer in minutes!  Fast and easy loan process.


Term loan options allow for lower monthly paymants.  Increasing average ticket.


Term loans and no interest promotional programs to increase sales.


Dealers get paid as soon as the job has been completed.


Financing Solutions for Investors
  • Rehab Loans – Financing Purchase & Renovation Nationwide
  • Purchase, Refinance or cash out for Investment Properties
  • 65% ARV up to 100% of Cost Program
  • 80% of Purchase Program, lower rate.
  • 1-4 Residential Investment property
  • Commercial property Purchase and Rehab.
  • 6 month or 12 month loans
  • No Prepayment Penalty
  • Loan amounts from $50,000.
  • Construction Residential Mortgage or Commercial.
  • Lending Nationwide
  • Free Pre-approvals, no upfront fees.
  • Fast approvals and closings!

Documents and Information Needed:

This list comprises most of the necessary documents that we must have in order to complete an underwriting package. Each loan is different, therefore, the exact documents necessary to underwrite a loan will differ somewhat. Please call us at 860.673.2300 and we will assist you.

Basic Documents

Executive Loan Summary
Purchase Agreement
Personal financial statement.
Income / expense statement for the last full year and YTD for the property
Last 2 years personal and business tax returns.
Federal tax return for the property (if available)
Copy of bank statement showing funds for down payment
Copy of deposit check for the purchase.
Photo of the property

General Questions

If Purchase – Purchase Price:
If Purchase – target close date:
If Refinance – Purchase price when bought by borrower:
If Refinance – purchase date for this borrower:
If Refinance – current rate and term of existing mortgage:
If refinance – total amount of ALL current liens on the property:
If cash out refinance, proceeds will be used for:
Approximate current value:
Property Type:
Property Address:
Loan amount requested:
If owner occupied – Nature of Business:
If owner occupied – Net business income (add back depreciation) for the last 3 years as listed on tax returns:
If owner occupied, percentage the owner occupies the property:
Estimated credit score:
If leased, gross annual rents collected last year as listed on tax returns:
If leased, nature of business of the primary tenants:
If leased, owner paid operating expenses for last year, do not include interest or depreciation:
Please include a photo of the property.


Fast ansers to your questions

Residential Mortgage Programs:
We offer two basic types of rehab loans:

65% of After Repair Value, up to 100% of Cost:

Loan Amounts: $50,000 to $750,000
Loan to Value: Up to 65% of the ARV
Interest rates: 13.9% – 15.9%
Lender Fees: 5%
Loan Term: 6 months or 12 months
Payments: Interest only monthly, no interest reserve required
Lien Position: First Only
Prepay: none
States: All
Upfront fees: $299 plus appraisal (only charged after pre-approval)

80% Loan to Purchase Price:

Loan Amounts: $50,000 to $750,000
Loan to Value: Up to 80% of the Purchase Price
Interest rates: 12%
Lender Fees: 5% – 6%
Loan Term: 12 months
Payments: Interest only monthly, no interest reserve required
Lien Position: First Only
Prepay: none
States: All
Upfront fees: $299 plus appraisal (only charged after pre-approval)

Borrower Parameters:

A borrower seeking a hard money loan must meet the following generally stated minimum requirements. Specific minimum requirements are set following our receipt of a loan application.

Preferred borrowers can be corporations, LLC’s, partnerships and trusts..
Reasonable existing income
Reasonable cash reserves of about 10%
Reasonable net worth
Credit score – 620 or better, some exceptions apply
Ability to perform exit strategy may be needed

Property Types:
  • Residential: 1-4 unit non-owner occupied
  • Multifamily: 5+ Units
  • Mixed-use: Retail plus Apartments
  • Office Buildings
  • Retail
  • Self Storage
  • Warehouse
  • We do NOT finance owner occupied residential rehab projects.

Residential Real Estate Financing for Investors

Meet your financial goals with our Residential Mortgage fast financing and competitive rates and fees