About Us

Sterling Investor Capital, LLC is a private hard money equity-based lender located in Houston, TX lending hard money nationwide. We serve borrowers, brokers and real estate agents across the Texas. As a direct lender and seasoned real estate investor, we offer many services which others are unable to provide. All lending decisions are made by Sterling Investor Capital, LLC and are never referred to brokers or institutions. Our lending decisions are generally made instantly. We take any lending situation no matter how complicated and find a way to make the loan. We love bank turndowns!

Our rates vary depending on the type of property, term of loan, risk assessment and general situation. We always have the best rates and longest terms! The average funding time from application is 10 days.

Our loans are primarily based upon the equity in the property. Credit and income are not the major factors. We'll make or arrange loans from $75,000 to $10,000,000. We pay referral fees to licensed lenders and real estate brokers.

Industry Experience

Sterling Investor Capital, LLC management team has been investing in commercial and residential real estate in Texas for over 35 years. Our team has extensive experience in real estate financing and holds both Texas real estate and Texas mortgage licenses. We are confident that we will be able to structure a loan that will enable you to move ahead.

Customized Equity Financing

Many borrowers fall victim to the difficult financial markets of today. In this case, equity financing may be the answer. Our customized loans are based on the equity within the property rather than the credit-worthiness of the borrower. These loans are based on equity, not credit or income.

Customized loans can be completed very quickly, usually within 10 days. Very little paperwork is required. Our customized loans may solve your immediate needs now, even if you've been turned down elsewhere. Generally, these are short-term loans for up to 7 years, financed using your real estate as collateral.

Interest rates, commissions and other loan fees are all dependent on the terms and circumstances of each individual loan. If you are in need of cash and need it now, call Sterling Investor Capital, LLC today at 713-784-7676 or e-mail us for more information at info@houstonmoneyman.com

Loan Guidelines

• Borrow up to 65% of the value of your property depending on the situation. Maximum LTV on commercial loans is 60%, will go higher on apartments
• 1st Trust Deeds
• No qualifying - credit, bankruptcies, foreclosures, foreclosures & non-resident aliens OK!
• We loan on homesteads for purchase and refi’s
• We specialize in loans from $75,000 to $5,000,000 (and up, if needed)
• Funding usually within 10 days
• 24 hour loan approval with loan application
• Terms from 12 months to 7 years

Examples of Loan Uses by Sterling Investor Capital’s Borrowers

Real Estate Acquisitions
Borrowers interested in purchasing commercial, industrial, land, and residential real estate property may find that credit ratings, legal obstacles or conditions related to the property itself (such as liens, unfinished building, damage, etc.) may prevent standard funding from banks. We do homestead loans in Texas!

In these circumstances, hard money loans offer a perfect short-term solution. Hard money funding can provide enough time to cure many situations, so the property may later be sold or conventional funding can be obtained.

REO/Bank Short-Sales
These are short term loans for the purchase of bank owned or pre-foreclosure properties. In these situations, we will pre-qualify the borrower and property, provide the new borrower with a proof of funding commitment, and close on the property as quickly as possible.

Rehabilitation Loans
One of the most requested types of hard money loans is for the purpose of improving commercial or residential property. The proceeds are used to improve the property, which may then be leased, or re-sold for a profit. Hard money can work well in this situation because of a quick turnaround time and flexible lending criteria.

Re-Finance-Cash Out-Residential & Commercial
Hard money loans may be used as a temporary solution to obtain a re-finance for a commercial, investment or non owner-occupied residential property. Sterling Investor Capital, LLC often completes hard money loans for refinance in a situation where immediate funding is needed to prevent foreclosure or pay off a note coming due. We make homestead refi loans in Texas!