Question 1

What is Integrated Capital Solutions?

Accepted Answer

Integrated Capital Solutions is a national, direct, private lender (non-bank) specializing in financing solutions for experienced investors. We provide short-term and long-term loans for fix-and-flip, ground-up construction, DSCR rental, and bridge scenarios.

Question 2

What loan types does Integrated Capital Solutionsoffer?

Accepted Answer

We offer four core loan products: Ground Up Construction Loans (12–30 months), Fix & Flip Loans (6–30 months), DSCR Rental Loans (30 years), and Bridge Loans (6–15 months). Loan amounts range from $55,000 to $50M+.

Question 3

Is Integrated Capital Solutionsa hard money lender?

Accepted Answer

No. While Integrated Capital Solutionsis a private, non-bank lender, we are not a traditional hard money lender. We offer more competitive pricing, faster execution, and a higher level of service than most hard money lenders, with a focus on experienced investors.

Question 4

What states does Integrated Capital Solutionslend in?

Accepted Answer

Integrated Capital Solutionslends in most US states. Please contact us or start an estimate to confirm lending availability in your state. We are headquartered in Irvine, California, and operate as a national lender.

Question 5

Does Integrated Capital Solutionsreport loans to credit bureaus?

Accepted Answer

No. Integrated Capital Solutionsbusiness purpose loans are not reported to personal credit bureaus, as they are commercial loans made to LLCs or entities, not personal mortgages.

Question 6

What are Integrated Capital Solutions's closing timelines?

Accepted Answer

Fix & Flip: 5–10 days (record: 1 day). Ground-Up: 7–14 days (record: 2 days). DSCR: 10–20 days (record: 3 days). Bridge: 7–14 days. All timelines begin from a complete loan inquiry submission.

Question 7

What experience do I need to qualify?

Accepted Answer

Fix & Flip loans require at least one completed project within the past 36 months. Ground Up Construction loans require three completed projects in the same period. DSCR and Bridge loans have more flexible experience requirements.

Question 8

Do I need to borrow through an LLC?

Accepted Answer

Yes. Integrated Capital Solutionsmakes commercial purpose loans to entities (LLCs, corporations, partnerships), not to individuals personally. Borrowers must have an entity established prior to closing.

Question 9

What is the minimum credit score?

Accepted Answer

Integrated Capital Solutionsgenerally requires a minimum FICO score of 680. Requirements may vary by loan product and scenario.

Question 10

Are foreign nationals eligible?

Accepted Answer

Yes, foreign nationals are eligible for certain Integrated Capital Solutionsloan products. Please contact us to discuss your specific situation and documentation requirements.

Question 11

Can I finance an owner-occupied property?

Accepted Answer

No. Integrated Capital Solutionsonly finances non-owner-occupied investment properties. Owner-occupied properties, mobile homes, and commercial properties are not eligible.

Question 12

Can I self-manage a rental property financed by Integrated Capital Solutions?

Accepted Answer

Yes. Integrated Capital Solutionsdoes not require a third-party property management company. Borrowers may self-manage their rental properties.

Question 13

Does Integrated Capital Solutionswork with mortgage brokers?

Accepted Answer

Yes. Integrated Capital Solutions works extensively with mortgage brokers and professionals and is always seeking new broker partnerships. Visit our Broker page to register.

Question 14

How do brokers submit a file to Integrated Capital Solutions?

Accepted Answer

Brokers begin by completing the broker registration form on the Integrated Capital Solutionswebsite. Once approved, you will be connected with a dedicated Account Executive who will guide you through the submission process.

Question 15

What is a DSCR loan and how does it work?

Accepted Answer

A DSCR (Debt Service Coverage Ratio) loan qualifies borrowers based on the rental income of the investment property rather than the borrower's personal income. A DSCR of 1.0 means rent covers the loan payment; Integrated Capital Solutionsaccepts DSCR as low as 0.75.

Question 16

What is the minimum loan amount?

Accepted Answer

The minimum loan amount at Integrated Capital Solutionsis $55,000, with a maximum of $50M+.

Question 17

Are Integrated Capital Solutionsloans fixed rate or adjustable rate?

Accepted Answer

Integrated Capital Solutionsoffers both fixed-rate and adjustable-rate options depending on the loan product. DSCR rental loans are available in both 30-year fixed and ARM structures. Short-term products (Fix & Flip, Bridge, Ground Up) are typically interest-only with a fixed rate for the loan term.

Question 18

Do Integrated Capital Solutionsloans have balloon payments?

Accepted Answer

Short-term loans (Fix & Flip, Bridge, Ground Up) require repayment of the full principal at loan maturity. DSCR rental loans amortize over 30 years and may include a balloon payment depending on the product selected.

Question 19

Can Integrated Capital Solutionsfinance both the purchase and rehab costs?

Accepted Answer

Yes. Integrated Capital SolutionsFix & Flip loans cover up to 92.5% of the purchase price and 100% of rehabilitation costs within the approved budget. Ground Up loans cover up to 90% of total project costs (LTC).

Question 20

What insurance is required?

Accepted Answer

Borrowers are required to carry appropriate property insurance (builder's risk for construction, landlord or hazard insurance for rentals) with Integrated Capital Solutionsnamed as an additional insured. Flood insurance is required where applicable.

Question 21

How fast will I receive a term sheet?

Accepted Answer

Integrated Capital Solutionsdelivers term sheets within 24 hours of a complete loan inquiry submission. Our record is a same-day term sheet.

Question 22

Can I choose my own title company or escrow officer?

Accepted Answer

In most cases, yes. Integrated Capital Solutionsallows borrowers to select their preferred title and escrow provider, subject to approval. We maintain relationships with national title companies for transactions in all 50 states.

Question 23

Where is Integrated Capital Solutions headquartered?

Accepted Answer

Integrated Capital Solutions is headquartered at 18400 Von Karman Avenue, Suite 500, Irvine, California 92612. We lend nationwide.

Question 24

Do I need an appraisal?

Accepted Answer

Most Integrated Capital Solutionsloan products require an appraisal or BPO (broker price opinion) as part of the underwriting process. The type and requirement vary by loan product, property type, and loan amount. Your Account Executive will confirm the requirements for your specific loan.

Question 25

How do construction draws work?

Accepted Answer

For Ground Up and Fix & Flip loans, construction funds are held in a draw account and disbursed as work is completed and verified by inspection. Draws are processed within 24 hours of a completed draw request and inspection.

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