# AE Capital Partners > AE Capital Partners is a private lender offering fix & flip, buy & hold (DSCR), short-term rental, bridge, construction, and bank statement loans for real estate investors financing 1–10 unit properties. - Company: AE Capital Partners, a private lender offering business-purpose real estate investment loans. - Borrowers: real estate investors. Focus: We presently provide financing for transactions involving 1–10 units, prioritizing urban and suburban locations. Our specialties include fix & flips, rental properties, and house hacks. - Programs: Fix & Flip Loans, Buy & Hold Loans, Short-Term Rental Loans, Bridge Loans, Construction Loans, Bank Statement Loans. - Apply: submit a deal online at https://app.aecapitalpartners.com/ — deals submitted through the portal receive a response within 24 hours. - Existing clients: https://app.aecapitalpartners.com/login - Phone: 310-810-1374 - Founder & CEO: Antonio Edwards Important: All loans are subject to underwriting review and approval. Program terms, ratios, and eligibility requirements are subject to change without notice. This is not a commitment to lend. Figures below are maximums published by AE Capital Partners; actual terms depend on underwriting. Interest rates are not published on this website. ## Lending programs - [Fix & Flip Loans](https://www.aecapitalpartners.com/lending-programs/fix-and-flip-loans): Short-term financing to buy and renovate investment properties, with up to 90% of cost financed and no prepayment penalty. Key terms: Finance up to 90% loan to cost; Single-family & multifamily properties; No prepayment penalties; Close in as little as 5 business days. Term: 12-month value-add loan. Prepayment penalty: None. - [Buy & Hold Loans](https://www.aecapitalpartners.com/lending-programs/buy-and-hold-loans): 30-year DSCR rental financing for single-family and multifamily investment properties, with low or no prepayment penalty options. Key terms: Finance up to 80% loan to value, 75% for cash-out; Single-family & multifamily properties; Low or no prepayment penalty options; Minimum DSCR 0.75. Term: 30-year (fixed or interest-only adjustable). Prepayment penalty: Low or no penalty options. - [Short-Term Rental Loans](https://www.aecapitalpartners.com/lending-programs/short-term-rental-loans): Financing for vacation and short-term rental properties listed on Airbnb, VRBO, or similar platforms. Key terms: Finance up to 75% loan to value, 70% for cash-out; Single-family & multifamily properties; Low or no prepayment penalty; Must be listed on Airbnb, VRBO, or similar site. Prepayment penalty: Low or no penalty. - [Bridge Loans](https://www.aecapitalpartners.com/lending-programs/bridge-loans): Multi-year interim financing that bridges an acquisition, stabilization, or refinance — with no prepayment penalties. Key terms: Finance up to 75% loan to value, 65% for cash-out; Single-family & multifamily properties; No prepayment penalties; Multi-year bridge loan. Term: 24-month bridge loan. Prepayment penalty: None. - [Construction Loans](https://www.aecapitalpartners.com/lending-programs/construction-loans): Ground-up construction financing for single-family homes, townhomes, and ADUs — managed in-house, with draws that fund in as little as one business day. Key terms: Finance up to 80% loan to cost, 65% of the value after completion; Single-family, townhomes, and ADUs; No prepayment penalties; Draws fund in as little as 1 business day. Term: 12-month construction loan. Prepayment penalty: None. - [Bank Statement Loans](https://www.aecapitalpartners.com/lending-programs/bank-statement-loans): A 30-year loan that qualifies you through bank statement analysis — built for self-employed investors and business owners. Key terms: Finance up to 80% loan to value, 75% for cash-out; 30-year term with competitive pricing; Low or no prepayment penalty options; Qualify based on bank statement analysis. Term: 30-year term. Prepayment penalty: Low or no penalty options. ## Company and process - [Home](https://www.aecapitalpartners.com/): Overview of AE Capital Partners, a private lender for real estate investors, its six loan programs, process, criteria, and team. - [Lending Programs](https://www.aecapitalpartners.com/lending-programs): Side-by-side comparison of the six programs: fix & flip, buy & hold (DSCR), short-term rental, bridge, construction, and bank statement loans. - [Eligibility Criteria](https://www.aecapitalpartners.com/eligibility-criteria): Fix & flip financing criteria (credit score, loan amounts, ratios, property types, liquidity), common reasons for denial, and closing timelines. - [Lending Process](https://www.aecapitalpartners.com/lending-process): The six-step lending process from submitting a deal through the online portal to closing, with typical closing timelines. - [FAQ](https://www.aecapitalpartners.com/faq): Answers to common borrower questions: credit pulls, closing timelines, loan-to-cost limits, auction purchases, guarantors, and program-specific questions. - [About](https://www.aecapitalpartners.com/about): Who AE Capital Partners is, how it works with investors, and its in-house underwriting, construction, and servicing teams. - [Team](https://www.aecapitalpartners.com/team): Founder and CEO Antonio Edwards and the AE Capital Partners lending advisors. - [Contact](https://www.aecapitalpartners.com/contact): Phone number, deal submission portal, client login, and a general contact form. ## Full content - [llms-full.txt](https://www.aecapitalpartners.com/llms-full.txt): every program, criterion, process step, FAQ, and team bio in one Markdown file ## Optional - [Privacy Policy](https://www.aecapitalpartners.com/privacy-policy): What information the AE Capital Partners website collects, how it is used, and the choices visitors have. - [Terms of Use](https://www.aecapitalpartners.com/terms-of-use): The terms that govern use of the AE Capital Partners website. - [Sitemap](https://www.aecapitalpartners.com/sitemap.xml)