CONSTRUCTION & INVESTOR LOANS
CALIFORNIA, HAWAII & NATIONWIDE
Offering Private Money, Construction, Bridge, Fix & Flip, and Rental Loans
Let Us Help You Grow Your Portfolio of Rental Properties!
More Options For Leased & Short Term Vacation Properties
Choose Terms that work best for you:
Fixed Rate 30 year amortized loan.
Fixed rate 10/30 interest-only for 10 years that converts to 30 years amortization.
Adjustable-Rate ARM’s 5 to 10 Year Terms.
Turn Your Real Estate Into Wealth
New purchases up to 85% - Refinance 80% - and Cash-Out options up to 75%.
Specialized rent qualifiers on Airbnb properties show above market rents for EZ qualifying
No Tax Returns Required Qualifying is Based on Debt to Income
Full Doc Loans Can Achieve Lower Rates
LONG TERM RENTAL LOANS (Debt Service Coverage Ratio)
• DSCR can be Calculated on Interest Only on 10/30 program
• Long-Term Financing on Short-Term Rental Vacation Properties Available.
• $75k - $4M
• Up to 85% LTV
• Purchase, Rate & Term or Cash Out
DSCR Ratios
The debt service coverage ratio formula is the annual gross rental income divided by the debt obligations of the property. The debt obligation is the total of the principal and interest of the loan, property taxes, insurance and HOA if applicable Some lenders require a ratio over 1.0 which means that the rental income is greater than the debt obligations. However, we can offer ratios as low at 0.75. That means that the rental income can be as low as just 75% of the debt obligation.
More Working Capital
Fast Closing Private Money Loans
We offer simple bridge loans to meet your transitional financing needs.
Purchase or Cash Out
Close within 5-15 Days
Better terms, more accessible qualifications, and a simple process you can trust.
BRIDGE LOANS
• Single-family, 2-4 Units, Condos, Townhomes, Land
• Loan Amounts from $100,000 - $15,000,000
• Up to 80% LTV
• 12-24 Month Terms
• Interest Reserves Available
Let Us Help You Grow Your Project Portfolio!
More Working Capital W/Payments Built Into The Loan
Use the money that you would normally have reserved for payments
to put down on new projects.
Our Professionals Program Includes
Purchase + Rehab Costs + Interest Payments + Loan Costs = LTC
Up to 90% Purchase Price
Up to 100% Rehab Costs
FIX & FLIP LOANS
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Monthly Payments Rolled Into the Loan
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Advanced Rehab Draws Available
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Single-Family, 2-4 Units, Condos, Multi-Family
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No Income, No Tax Returns, No Assets or Reserves
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Loan Amounts from $100,000 - $15,000,000
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Up to 90% LTV
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Nationwide Lending
We Want To Finance Your New Residential Ground Up Construction Project & The Next!
Flexible Terms
12 to 24 Month Interest Only
Turn Raw Land Into Wealth
Designed for experienced builders and investors
who require extensive reconstruction or new builds
CONSTRUCTION FINANCING
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Land Purchase or Refinance, Built In Interest Reserves
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Single-Family 2-4 Units, Townhomes, Multi-Family
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Up to $20M Loan Amount
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Up to 90% LTV - 85% LTC - 75% LTARV
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Nationwide Lending
We Make Financing For Apartment Buildings Easy.
Inner Core Capital offers short-term bridge, Construction, Rehab financing, & long-term financing for 5+ unit apartments & mixed-use properties.
Flexible Solutions for Financing Multi-Family Buildings
You will be prepared to deal with unforeseen circumstances
with the money, you are given up-front on each draw.
Multi-Family Bridge Loans
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12-36 Months interest Only
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Loans from $250k - $20M
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Up to 85% LTC
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Low or No Cash Flow Okay
Long Term
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30 Years
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Loans from $250k - $10M
ABOUT INNER CORE CAPITAL
Construction and investor financing nationwide, specializing in California and Hawaii.
Inner Core Capital has arranged financing for real estate investors and builders since 2016. Founder Robert Wilken is a loan consultant with more than 20 years of experience in real estate finance. We focus on ground-up construction, bridge, fix-and-flip, and long-term rental loans across the country, with particular experience in higher-end construction projects in California and Hawaii.
We place loans with institutional capital partners and established wholesale lenders, which gives our clients a wide range of programs from one point of contact. Send us your scenario and we'll review it and come back with terms you can plan around.
* Rates, terms, and conditions offered, apply only to qualified borrowers in accordance with our guidelines at the time of the application, property factors, and geography and are subject to change at any time without notice. This is a non-binding expression of interest and does not create any legally binding commitment or obligation on the part of INNER CORE CAPITAL INC or its affiliates and is subject to our credit, legal, and investment approvals process.
Privacy Policy
Inner Core Capital Inc. ("we" or "us") respects your privacy. This policy explains what information we collect through innercorecapital.com and how we use it. Information we collect We collect the information you choose to give us, such as your name, email address, phone number, and details about your loan request, when you fill out a form, request a quote, or contact us. Like most websites, our site also collects basic technical information automatically, such as your browser type, device, and pages visited, using cookies and analytics tools. How we use your information We use your information to respond to your inquiries, evaluate and arrange loan requests, communicate with you about our services, and improve our website. How we share your information We do not sell your personal information. We share it only as needed to serve you, for example with lenders and service providers involved in your loan request, with companies that operate our website and forms, or when the law requires it. Your choices You can ask us to update or delete your information, or to stop sending you marketing emails, by contacting us. You can also set your browser to refuse cookies, although some parts of the site may not work as intended. Security We take reasonable steps to protect your information, but no method of sending or storing information online is completely secure. Third-party links Our site may link to other websites. We are not responsible for their content or privacy practices. Children Our site is not directed to children under 13, and we do not knowingly collect information from them. Changes to this policy We may update this policy from time to time. The date below shows when it was last revised. Contact us Inner Core Capital Inc. 4275 Executive Square, Suite 200 La Jolla, CA 92037 (858) 201-3201 | info@innercorecapital.com Last updated: November 11, 2026
For an agent in person call: (858) 201 3201
CLOSED DEALS
We all have a story to share. Inner Core Capital has been doing private money loans since 2016. Here are a few recent closed loans that we have done!
