CAPSTONE FINANCIALCalifornia Hard Money Lender

CALIFORNIA HARD MONEY LOANCapstone Financial operates as a private money or hard money lender, looking for relatively short-term investments involving senior financing (first trust deeds only) secured by real estate. Our hard money loans are designed to meet the needs of real estate operators looking to acquire, refinance, fix & flip, rehabilitate, or reposition residential and commercial real estate assets.

HARD MONEY PROPERTY TYPES▪ Single Family Residences

▪ Multi-Family Dwellings

▪ Apartments

▪ Commercial

▪ Vacant or Rented Property

▪ Mismanaged Rentals

WHY WE FOR CALIFORNIA HARD MONEYTrusted Hard Money Lender:

From start-up investors who are looking to get into the real estate marketplace to the seasoned investors who invest multiple times per year, we have both the funding capacity available and the professional resources to meet your needs.

Get Your Hard Money Loan or Letter of Credit Today:

Whether you have a property you need funding for now or need a letter of credit to submit with your offers, start by filling out our secure online loan application.

YOU MAY QUALIFY FOR A HARD MONEY LOAN, EVEN IF:▪ You have average or poor credit, minimal credit, or NO credit — sufficient equity and the means to

repay the loan are more important than your personal credit

▪ You have a recent bankruptcy, foreclosure, or divorce -- these issues are acceptable for hard money lending with sufficient equity and the means to repay the loan

▪ You have too much debt to qualify for a bank loan — with the necessary equity in your property and the ability to repay the loan higher debt-income ratios are OK

▪ You've been on your job for less than two years. Provided your employment is expected to continue a new job is OK

▪ You have inconsistent or mixed income — income can be from different sources and still be acceptable

▪ Title to your property is held in the name of a trust, LLC, or corporation — title to the property can be vested in a non-natural person

▪ You need a business loan secured by equity in real estate, but are unable to qualify for a commercial bank or SBA loan

▪ You are a Foreign National with no U.S. employment or SSN and aren't able to secure a conventional loan

FOR YOUR LOAN NEEDSLarry Baker

Tel: 480-430-1179larry@ctpfunding.com

10866 Wilshire Blvd Suite 890Los Angeles, CA 90024

Having been in the Mortgages and Real Estate business since 1999, My clients have a trust factor in me, knowing that I will help them with what is best suited for their individual financial needs. My clients have the benefit of and understanding of my being a past series 7 licensed professional and a Real Estate Broker brings them years of experience in the financial arena . By my knowledge and financial background this sets me up apart.. I go well beyond than just rates, points and closing costs. When a client works with me, my team and I will insure we go over every aspect of your needs,wants and goals for your primary, secondary and investment mortgage and Real Estate needs. . My job is to set your life goals and dreams of Real Estate ownership, so that this becomes secondary and enjoying your life becomes primary. I welcome the opportunity of working with you, so I can share my years of Financial, Mortgage and Real Estate knowledge to make you my next client.

THANK YOU