Questions & answers.

We only do hard pulls for rental loans after you've accepted an offer and once the loan is in underwriting. We utilize soft pulls for short-term mortgages.

We require title insurance on our loans, which a lot of local auction properties will not have. Some online auctions go through a closing agent that provides title insurance, but the borrower should check with the seller or platform.

We do not. We'll lend up to 90% loan to cost depending on experience.

The first step is to connect with our team to align you with the right product. From there, an AE Capital Partners advisor will help you create your account and submit your deal through the portal.

This depends on the type of loan product. The following timelines start when the file is ready for underwriting (all info and documents uploaded), not necessarily when the loan is submitted or under contract.

• Rehab / bridge loans — 10 business days for a new client, 5–7 business days for repeat clients.
• Rental loans — 4 weeks for single properties, 5–8 weeks for most portfolios.
• Construction — 3+ weeks, depending on complexity.
• 5+ unit multifamily — 4–6 weeks, depending on complexity and appraisal timelines.

We only require one guarantor and signer with at least 25% ownership of the entity.

The most common reasons are:

• The property is not in a state that we finance, or is in a location that an appraiser would consider rural.
• Property value (or purchase price).
• Credit score.
• Liquidity.
• Newer investors taking on extensive rehab projects.

12-month value-add loans, 24-month bridge loans, 12-month construction loans, and 30-year DSCR rental loans (both amortizing fixed and interest-only adjustable rates). We also offer short-term rental and bank statement loan programs.

Up to 90% loan to cost and up to 75% of after-repair value, depending on experience. AE Capital Partners does not offer 100% loan-to-cost financing.

AE Capital Partners offers 12-month value-add loans for purchase-and-renovation projects.

AE Capital Partners utilizes soft pulls for short-term mortgages. Hard pulls are only done for rental loans, after you have accepted an offer and the loan is in underwriting.

Rehab loans typically close in 10 business days for a new client and 5–7 business days for repeat clients. Timelines start when the file is ready for underwriting — all information and documents uploaded — not necessarily when the loan is submitted or under contract.

AE Capital Partners requires title insurance, which many local auction properties will not have. Some online auctions go through a closing agent that provides title insurance — check with the seller or platform.

A debt service coverage ratio (DSCR) loan is rental property financing underwritten primarily on how the property's income compares to its debt payments. AE Capital Partners' buy and hold program allows a minimum DSCR of 0.75.

AE Capital Partners offers 30-year DSCR rental loans, both amortizing fixed and interest-only adjustable rates.

Only after you've accepted an offer and the loan is in underwriting.

About 4 weeks for single properties and 5–8 weeks for most portfolios, measured from when the file is ready for underwriting with all information and documents uploaded.

The property must be listed on Airbnb, VRBO, or a similar short-term rental site.

Up to 75% loan to value, or up to 70% for a cash-out, subject to underwriting.

The program offers low or no prepayment penalty options.

AE Capital Partners offers 24-month bridge loans.

No. Bridge loans carry no prepayment penalties.

Bridge loans typically close in 10 business days for a new client and 5–7 business days for repeat clients, measured from when the file is ready for underwriting.

Draws fund in as little as 1 business day.

AE Capital Partners offers 12-month construction loans.

Construction loans take 3+ weeks to close, depending on complexity, measured from when the file is ready for underwriting.

Single-family homes, townhomes, and ADUs.

A bank statement loan lets you qualify based on analysis of your bank statements rather than traditional income documentation such as tax returns.

Up to 80% loan to value, or up to 75% for a cash-out, subject to underwriting.

A 30-year term, with low or no prepayment penalty options.