5th Street Capital Inc

5th Street Capital, Inc. is a leading mortgage lender, founded in 2015 and based in San Diego, California. As a privately held residential real estate financing company, they specialize in funding portfolio niche loans, particularly focusing on Prime Jumbo Fallout, Alt-A, and Non-QM products. The firm operates exclusively through a wholesale channel, partnering with approved brokers and bankers, and explicitly states they do not offer agency or government loan programs.

Distinguishing itself with a commitment to quick closings and flexible underwriting, 5th Street Capital employs underwriters who are experts in common-sense, manual underwriting for their specialized loan offerings. They are dedicated to providing solutions for borrowers interested in investment properties, second homes, and primary residences, especially in high-cost housing markets. Their services are primarily tailored for high net worth and other well-qualified borrowers, as well as those needing alternative income verification methods.

With a strong emphasis on their business partners, 5th Street Capital aims to remove guesswork from complex loan products, ensuring efficient and reliable funding. Their focus on specialized portfolio lending, including Bank Statement, Asset Depletion, DSCR, Resident Alien, Foreign National, and ITIN programs, positions them as a unique resource in the non-agency mortgage sector.