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Build your investment property portfolio with a partner that understands your need for speed, flexibility, and ease.
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Calculator
Affordability Calculator
Payment Breakdown
per month
- Principal & Interest
- Taxes
- Insurance
- HOA Dues
- PMI
Loan Details
- Home Value:
- Mortgage Amount:
- Monthly Conventional Payment:
- Down Payment:
- Monthly Estimated PMI:
Loan Amount
/
Allowable Debt to Income Ratio50%/50%
Payment Breakdown
per month
- Principal & Interest
- Taxes
- Insurance
- HOA Dues
- MIP
Loan Details
- Home Value:
- Base Loan Amount:
- Monthly FHA Payment:
- Down Payment:
- FHA Loan Amount:
- Upfront MIP:
Loan Amount
/
Allowable Debt to Income Ratio50%/50%
Payment Breakdown
per month
- Principal & Interest
- Taxes
- Insurance
- HOA Dues
Loan Details
- Home Value:
- Base Loan Amount:
- Monthly VA Payment:
- Down Payment:
- VA Loan Amount:
- VA Funding Fee:
Loan Amount
/
Allowable Debt to Income Ratio65%/65%
Payment Breakdown
per month
- Principal & Interest
- Taxes
- Insurance
- HOA Dues
- USDA MIP
Loan Details
- Home Value:
- Base Loan Amount:
- Monthly USDA Payment:
- Down Payment:
- USDA Loan Amount:
- USDA Guarantee Fee:
Loan Amount
/
Allowable Debt to Income Ratio29%/41%
Payment Breakdown
per month
- Principal & Interest
- Taxes
- Insurance
- HOA Dues
- PMI
Loan Details
- Home Value:
- Mortgage Amount:
- Monthly Conventional Payment:
- Down Payment:
- Monthly Estimated PMI:
Loan Amount
/
Allowable Debt to Income Ratio50%/50%
Payment Breakdown
A breakdown of your total payment so you can see where money is allocated.
per month
- Principal & Interest
- Taxes
- Insurance
- HOA Dues
- PMI
- Extra Payment
- Monthly Payment
- Total Payment
- Home Value:
- Mortgage Amount:
- Monthly Principal & Interest:
- Monthly Extra Payment:
- Monthly Property Tax:
- Monthly Home Insurance:
- Monthly PMI:
- Monthly HOA Fees:
- Total # Of Payments:
- Down Payment:
- Principal:
- Total Extra Payment:
- Total Interest Paid:
- Total Tax, Insurance, PMI and Fees:
- Total of all Payments:
Early Payoff Strategy
Add an extra payment and see how many months you can eliminate on the back end of the loan.
Lump Sum Payment
Shorten your loan term by paying a lump sum all to principal.
$
Total Interest Difference$
Monthly Payment Comparison
A breakdown of your total payment so you can see where money is allocated.
Current Loan
$New Loan
$Monthly Payment Difference
$$
Time to Recoup FeesTotal Interest Comparison
A breakdown of your total payment so you can see where money is allocated.
Current Loan Remaining Interest
$New Loan Interest
$Total Interest Difference
$Results Summary
| Buying | Renting | |
|---|---|---|
| Cash Spent | $ | $ |
| Home value | -$ | -- |
| Balance on Loan | $ | -- |
| Closing costs on sale | $ | -- |
| Adjusted Net Cash Savings | $ | $ |
Rent
$Buy
$5562
BUY GAIN$43,244
$43,244
RENT$43,244
Payment Breakdown
A breakdown of your total payment so you can see where money is allocated.
per month
- Principal & Interest
- Taxes
- Insurance
- HOA Dues
- Extra Payment
- Monthly Payment
- Total Payment
- Home Value:
- Mortgage Amount:
- Monthly Principal & Interest:
- Monthly Extra Payment:
- Monthly Property Tax:
- Monthly Home Insurance:
- Monthly HOA Fees:
- Total # Of Payments:
- Down Payment:
- Principal:
- Total Extra Payment:
- Total Interest Paid:
- Total Tax, Insurance and Fees:
- Total of all Payments:
Early Payoff Strategy
Add an extra payment and see how many months you can eliminate on the back end of the loan.
Lump Sum Payment
Shorten your loan term by paying a lump sum all to principal.
$
Total Interest Difference$
Monthly Payment Comparison
A breakdown of your total payment so you can see where money is allocated.
Current Loan
$New Loan
$Monthly Payment Difference
$$
Time to Recoup FeesTotal Interest Comparison
A breakdown of your total payment so you can see where money is allocated.
Current Loan Remaining Interest
$New Loan Interest
$Total Interest Difference
$$
Cap Rate%
Deal Breakdown
A breakdown of your rental loan deal.
- Loan Amount:
- Down Payment:
- Mortgage Payment:
- Monthly Payment:
- Origination Fee Amount:
Deal Metrics
A metrics of your rental loan deal.
- Total Closing Costs:
- Cash Needed to Close:
- Price Per Unit:
- Gross Rental Income:
- Operating Expenses:
- Net Operating Income:
%
DSCRReturn Metrics
A metrics of your rental loan return.
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Cash Flow:Annual cash flow after all expenses and mortgage are paid.
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Cap Rate:Cap rate, or capitalization rate, is a metric that divides your net operating income (not including your mortgage) by the purchase price or property value. It is most useful in comparing multifamily properties.
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Cash on Cash Return:Cash on cash return is a metric that divides your pre-tax cash flow by the total cash invested in the deal. This is a key metric for most investors.
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DSCR:DSCR calculates the ratio of rental income to your mortgage payment. Ideally, you'll have a DSCR of 1.0 or higher.
$
Net Profit$
Deal Breakdown
A breakdown of your rental loan deal.
- Loan Amount:
- Down Payment:
- Monthly Interest Payment:
- Total Interest Over Term:
- Origination Fee Amount:
- Other Closing Costs Amount:
- Cost To Sell Amount:
Deal Metrics
A metrics of your rental loan deal.
- Closing Costs:
- Carrying Costs:
- Borrower Equity Needed:
- Total Cash In Deal:
%
Loan to After Repaired Value%
Return Metrics
A metrics of your rental loan return.
- Net Profit:
- Loan to After Repaired Value:
- ROI:
Welcome to In House Capital Group LLC
Welcome to In House Capital Group LLC, your trusted partner in real estate investment financing. We specialize in providing loans designed to help investors, builders, and developers move quickly on opportunities. Whether you’re purchasing a fix-and-flip, funding a construction project, or need short-term capital to bridge the gap, our team offers tailored lending solutions backed by experience and industry knowledge.
At In House Capital Group LLC, we understand that timing is everything in real estate. That’s why our process is streamlined for speed, transparency, and flexibility—giving you access to the funds you need when you need them most. With competitive programs, straightforward terms, and a focus on building long-term relationships, we’re here to support your success from the first deal to the next.
Options and Solutions
Gain access to the capital you need to move forward with your project profitably.
Start a conversation today!
Whether you’re a seasoned investor or jumping into your first real estate project, having a lending partner who can move quickly is essential.
We focus on speed, flexibility, and clear communication to help you close deals without delay. Our experienced team understands the fast-paced world of real estate investing and is here to guide you through every step of the process.
Fill out the quick form on this page to start a conversation about your hard money lending needs today.
Quick 2-Minute Loan Request
How it Works
Gain access to the capital you need to move forward with your project.
Find
Find your investment property and submit property information.
Apply
Narrow down loan options and apply online. [Online upload Available!]
Review
We will quickly review and begin the underwriting process so we can quote loan terms.
Get Funds
Once terms have been excepted we will schedule the closing.
Start Project
Once the loan has been finalized you may begin your project!
Get Started Today
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Client reviews from around the internet.
Frequently Asked Questions
A DSCR loan (Debt Service Coverage Ratio loan) is a type of real estate investor financing that qualifies borrowers based on a property’s rental income rather than personal income. If the rent can cover the mortgage payment, the property may qualify on its own, making DSCR loans ideal for investors, self-employed borrowers, and LLC-owned rentals. This allows investors to scale portfolios more easily without traditional debt-to-income limits.
Hard money loans, unlike traditional bank loans, hinge on the property’s value used as collateral, rather than solely on your financial status. Although these loans often come with higher interest rates, they hold significant appeal for real estate investors. This is because they boast faster closing times, offer flexible terms, and can be repaid swiftly to minimize expenses, thereby facilitating quicker business expansion.
Below are some additional advantages associated with hard money loans:
Swift Access to Capital: Hard money loans provide quick access to capital, enabling investors to seize opportunities promptly.
Flexible Terms: These loans come with a range of repayment schedules and durations, allowing borrowers to tailor the terms to their specific needs.
High Loan-to-Value (LTV) Ratio: Depending on the property’s value and renovation budget, hard money loans can finance up to 90% of the project, providing substantial funding.
Potential for Enhanced Benefits: Building a relationship with the same lender may lead to additional advantages, such as reduced origination fees and interest rates, making it even more attractive for long-term investors.”
No. We do not offer conventional financing or loans for primary residences or second homes. Our services are focused exclusively on investment property financing options.
Appraisals vary on your financing needs. We do not require appraisals on bridge loans, but we do require them for rental loans.
We provide short term financing, bridge loans, and rental property loans.
Fix & Flip Programs can close in as little as 7 days. Permanent loan programs can take as few as 15 days and up to 45 days. For an accurate timeline based on your specific needs contact us directly.
Still Have Questions?
If you can’t find an answer to your question in the FAQ’s below, you can always contact us and we’ll respond asap.
