Frequently Asked Questions

Discover the ins and outs of private lending so that you can make informed decisions for your real estate investments.
We request a soft pull credit check that does not affect your credit score.
No, our loans are strictly for investment properties. We cannot make a loan to someone who will live in the property.
Typically, no but we can consider them.
Yes, for well qualified builders/contractors.
Minimal fire damage may be acceptable.
Yes, you may purchase in the name of your LLC or your personal name.
Yes, funding requires closing through a closing attorney/ title company. 

We will need a lender’s title policy as well as an owner’s title policy.
Special homeowner’s insurance is required for the life of the loan to cover the full amount of the loan. This policy must cover- builder's risk and vacancy. Our company name must show on the policy as the Mortgagee.
We make loans primarily in Shelby Co. Tennessee, as well as Desoto Co. Mississippi. We may consider other areas.
We can close quickly. Typically in 10 business days or less. All closings require clear title and all requested documents received, reviewed, and approved.We have closed in less time for urgent circumstances.
Yes, we can loan up to 75% of the After Repair Value (ARV) of the property.

Ex: a property with an ARV of $200,000.

Property purchase price: $105,000
Renovation budget : $45,000
Total Loan: $150,000

ARV $200,000 X .75 = $150,000

In this scenario we are able to lend the purchase price as well as the renovation cost.
We use comparable sold listings, near the subject property, sold no more than 6 months ago.
We will not lend on properties with ARV below $100,000. Our minimum loan is $75,000.
No.
We like to start slow and build trust with new borrowers.

Your experience and payment history are important factors.
Yes, the buyer will be responsible for paying the 5% origination fee, plus a $550 document prep fee as well as title attorney closing costs.
No, we only offer short term financing up to one year.
No, there is no penalty.
Yes, borrowers must show at least 10% of the requested loan amount in reserve funds.

Fast and Easy Approvals for Memphis Real Estate Investors

The Costly Toll of Slow Approvals

In today’s competitive real estate investing landscape, speed matters. Slow financing approvals can cause investors to miss out on high-performing opportunities, especially in the Memphis real estate market where demand moves quickly.

Many investors find the right property, only to be delayed by traditional lenders. Lengthy approval timelines often result in lost deals, stalled projects, and unnecessary frustration.

Real Estate Experts with Over 30 Years of Experience

Avalon Capital is more than a private lender, we are seasoned experts in real estate investment financing. With over three decades of combined experience, we have helped real estate investors from around the world achieve profitable outcomes in the Memphis real estate market and beyond.

Our Professional Commitment

At Avalon Capital, professionalism is not just a promise; it's the cornerstone of our service.

We bring our expertise into every transaction. When you work with us, you're not just partnering with a lender; you're aligning with a team of real estate experts dedicated to your success.
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