How quickly can I receive terms?
Complete the short property form and our team can often provide initial terms within minutes for straightforward opportunities.
Oz Capital — Direct Private Real Estate Lender
Private Real Estate Capital for Decisive Investors
Oz Capital provides direct private real estate financing for investment-property acquisitions, refinances, renovations, construction, and portfolio growth.
Frequently Asked Questions
Do you verify personal income for DSCR loans?
DSCR qualification is primarily based on the property’s rental income and debt obligations rather than traditional employment income.
Will requesting terms affect my credit?
We do not require a hard credit pull to provide an initial quote. Any later credit requirements are explained before moving forward.
What property types do you finance?
We finance non-owner-occupied single-family, two-to-four-unit, multifamily, mixed-use, and select construction or development opportunities.
Can you finance a portfolio?
Yes. We can evaluate multiple properties together and shape leverage around the broader portfolio strategy.
Where does Oz Capital lend?
Oz Capital currently lends in 42 states. Submit the property address and our team will confirm eligibility.