FAQ

Questions? We have answers.

Questions? We Have Answers.

High Calling Capital – Real Estate Investment Funding Made Simple

1. What Services Does High Calling Capital Offer?

We offer a range of services tailored to meet your real estate investment needs. Our offerings include Fix & Flip, Buy & Hold, Refinance, Commercial, New Construction, and Private Money Loans. We also provide Proof of Funds Letters, Collateral DNA Reports, Debt Stack Reports, and high-equity off-market property leads—so you’re not competing with other investors in your area.

2. What Are the Benefits of Private Money Lending?

Private money lending offers quicker access to capital, flexible loan terms, no minimum credit score requirements, and the ability to fund properties that don’t meet traditional lending guidelines.

3. Are You a Lender or a Broker? Are There Fees or Commissions?

We operate as both a lender and a broker. If we can’t directly fund your deal, we can broker it through our extensive network of lenders. Our goal is to provide you with the best available rates and fastest closings. We also offer split equity opportunities that allow you to access up to 100% funding for purchase, rehab, and closing costs. A 3% broker fee applies to all loans, which is standard industry practice.

4. How Do You Decide the Amount to Lend?

Funding is asset-based and depends on the property you have under contract. Typically, we fund up to 90% of the purchase price and 100% of the rehab costs. Ask us how you can qualify for up to 100% financing.

5. I Need 100% Financing. Can You Do That?

Yes, through a joint venture with High Calling Capital, we can offer up to 100% financing, including purchase, rehab, and closing costs.

6. What Does True 100% Funding Mean?

It means we cover up to 100% of purchase, rehab, and closing costs, capped at 70% of the After-Repair Value (ARV), when a joint venture is established between High Calling Capital and the borrower.

7. How Long Does It Take to Close a Deal?

Once all required documentation is received, we typically close within 14 business days. However, gathering the necessary documents often takes 3–4 weeks. Plan for 30 days total to be safe. The faster you submit documents, the sooner we close.

8. What Does FHA Cap Mean?

The FHA Cap is the maximum loan amount allowed in the county where your investment property is located.
🔗 Find the FHA Cap for Your County Here

9. What Does ARV Mean?

ARV stands for After-Repair Value—the estimated market value of the property after all renovations are complete.

10. What Is Asset-Based Lending?

Asset-based lending focuses primarily on the value of the property rather than your credit score. While your ability to repay is reviewed, loan approval is mostly determined by the property’s value and potential.

11. What Are Your Loan Terms?

  1. Loan Amounts: From $30,000 up to the FHA Cap in your area.
  2. Interest Rates: Start at 7% annualized, with 0–3% origination fees and no prepayment penalties.
  3. Loan Terms:
    • 6 months to 2 years for Fix & Flip
    • 30 years for Buy & Hold or Refinance
  4. Track Record Requirement: One loan per applicant until a successful history is established.

12. Do I Need an Appraisal? How Much Will It Cost?

Yes, we require an appraisal before closing. Costs typically range from $400 to $700, depending on the property location.

13. Is a Licensed Contractor Bid Required?

In most cases, yes. We require a licensed and insured contractor’s itemized bid to move forward with processing your loan.

14. Is My Information Kept Confidential?

Absolutely! Your privacy is our top priority. All information is kept 100% confidential. At High Calling Capital, you can expect professionalism, respect, and transparency.

Still Have Questions?

Let’s connect and talk through your deal.
📞 Call us or 📧 Email us today — we’re happy to help you explore your options and find the funding that fits your goals.