314 Capital

314 Capital is a direct lender specializing in residential and commercial investment real estate financing across the nation. Founded by Justin Hill, who brings extensive experience from leadership positions at top mortgage companies like Wells Fargo, the firm was established to provide innovative products and a streamlined process specifically tailored for real estate investors. They position themselves as a lower-cost alternative to traditional hard money lenders, aiming to help investors achieve their financial goals efficiently.

The company's core mission is to empower real estate investors by offering flexible long and short-term loan solutions for property acquisition, renovation, and equity access. A key differentiator is their flexible approach, not imposing strict limits on the number of properties an investor can finance, a common restriction with many traditional lenders. This client-centric philosophy supports investors in expanding their portfolios and contributing to the development of quality and sustainable housing.

314 Capital's product suite includes specialized offerings such as the "Fix & Flip Program" for renovation projects, a "Rental SFR Program" for individual rental properties, and a "Rental Portfolio Program" designed for investors with five or more units, including multifamily and various commercial properties. They also provide "Small Balance Commercial" financing for diverse commercial asset types, emphasizing high LTVs and flexible income verification, such as not requiring tax returns, to meet the unique needs of property investors.