SG
Transparent Pricing

RATES &
TERMS

No hidden fees. No surprises. Compare rates, LTV limits, fees, and terms across all six of our hard money loan programs.

Program Comparison

RATES & TERMS
BY PROGRAM

All rates and terms are subject to change. Final pricing depends on LTV, property type, borrower experience, and market conditions. Contact us for a deal-specific quote.

Fix & Flip

Most Popular
Interest RateFrom 8.25%*
Loan-to-Cost (LTC)Up to 90%
After-Repair LTV (ARLTV)Up to 75%
Rehab FinancingUp to 100% of Budget
Loan Term12 Months (18 Mo. Available)
Loan Amount$50K – $3M
Experience RequiredNone
RecourseFull Recourse
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Ground Up

Ground-Up
Interest RateFrom 8.99%*
Max Loan-to-Cost (LTC)Up to 85% of Total Costs
Max Loan-to-ARVUp to 70%
Construction Financing100% of Construction
Loan Term12–24 Months
Loan Amount$50K – $3M
Experience Required1–2 Ground-Up Builds
RecourseFull Recourse
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Stabilized Bridge

Bridge
Interest RateFrom 8.25%*
Max Loan-to-Value (LTV)Up to 70%
Max Loan-to-Cost (LTC)85% of Purchase + CapEx
Min. DSCR (Rental Exit)1.10x
Loan Term12 Months (Up to 18)
Loan Amount$50K – $3M
Min. FICO660
RecourseFull Recourse
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Single Property Rentals

Long-Term
Interest RateFrom 5.39%*
Max Loan-to-Value (LTV)80% Purchase/Refi · 75% Cash-Out
Min. DSCR1.05x (Gross Rent / PITIA)
Loan Types30-Yr Fixed · 5/6, 7/6, 10/6 ARMs
Loan Term30 Years
Loan Amount$75K – $2M
Min. FICO660 (Mid-Score)
RecourseFull Recourse
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Rental Portfolios

Portfolio
Interest RateFrom 5.39%*
Max Loan-to-Value (LTV)80% Purchase/Refi · 75% Cash-Out
Min. DSCR1.05x (≤$2M / ≤10 props) · 1.20x (all others)
Min. Occupancy90% by Unit Count
Loan AmountMin. Property Value: $100K · Max: $2M
Loan Term30 Years
Min. FICO680 (Mid-Score)
RecourseFull Recourse
View Full Program Details
Across All Programs

GENERAL TERMS

Property TypesSFR, 2–4 Unit, Townhomes, Warrantable Condos, PUD
Borrower EntityEntity Required (LLC, Corp, Partnership)
Min. Credit Score660–680 depending on program
Loan PurposePurchase, Rate/Term Refi, Cash-Out, Rehab, Construction
OccupancyNon-Owner Occupied / Investment Only
Rural PropertiesNot Permitted
Title InsuranceRequired
RecourseFull Recourse on All Programs

*Rates advertised are the lowest offered. Actual rates and offers may vary based on approval criteria, including but not limited to borrower FICO score, previous experience, period of ownership, etc. All loans are for investment purposes only and are not available for owner-occupied residential properties. Terms subject to change without notice. This is not a commitment to lend.

Get In Touch

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YOUR NEXT DEAL?

Submit your information and a Southern Ground Capital loan specialist will reach out within 24 hours to discuss your deal and provide a no-obligation quote.

Phone
(678) 842-8084
Mon–Fri, 8am–6pm EST
Email
loans@sgcapital.io
We respond within 24 hours
Service Area
Nationwide
All states except AZ, NV, ND, OR, SD, UT, VT
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No upfront fees
No credit pull to get started
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