Shafi Capital Consulting, LLC

Loan Programs (Through Third-Party Lenders)

Financing programs we package and present to lenders

We prepare your file for these programs and submit it to licensed third-party lenders. Terms, rates, and approvals are determined solely by those lenders.

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Rental DSCR Loans

Qualify on the property, not your paycheck

DSCR (Debt Service Coverage Ratio) financing is built for real estate investors growing a long-term rental portfolio without the personal income documentation a traditional mortgage requires. Underwriting is based primarily on the property's rental revenue.

  • Qualification based on rental income, not personal income
  • Ideal for long-term buy-and-hold investors and cash-out refinancing
  • Allows title in an LLC or corporate entity
  • Works for single-family, multifamily, and short-term rentals (Airbnb/VRBO)
  • Scalable financing for building out rental portfolios
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Fix & Flip Financing

Built around the project, not just the purchase

Fix & flip financing is designed for investors purchasing distressed or undervalued properties with the intent to renovate and resell. These programs prioritize the property's after-repair value and project potential, so you can move quickly and scale.

  • Covers both purchase price and renovation costs
  • LTVs based on After-Repair Value (ARV)
  • Flexible terms designed for short-term investment projects
  • Varying options based on experience level and track record
  • Available for single-family, multifamily, and mixed-use properties
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SBA 504 / SBA 7(a)

Loan packaging support for owner-occupied business real estate

We help connect clients with SBA-authorized lenders for both 504 and 7(a) programs. We do not originate or underwrite SBA loans ourselves.

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SBA 504 Loans

Ideal for purchasing or improving major fixed assets — real estate, equipment, or large long-term projects. A bank-and-CDC structure offers low down payments and long, fixed-rate financing.

  • Designed for commercial real estate, new construction, and heavy equipment
  • Typically only 10% down, subject to lender approval
  • Long-term, fixed interest rates that reduce payment volatility
  • Ideal for owner-occupied properties and expansion projects

SBA 7(a) Loans

The most versatile SBA option for small business owners — affordable, long-term financing for a wide range of needs, from working capital to business acquisitions.

  • Use for working capital, equipment, inventory, or acquisitions
  • Lower down payments and longer repayment terms than conventional loans
  • Flexible use of funds, including partner buyouts and debt refinancing
  • Available for startups and established businesses

Ground-Up Construction

Financing built for the entire build

Ground-up construction loans fund new builds from site work through completion, with draws released as the project progresses. These programs evaluate the finished, as-completed value of the project rather than its current raw-land state.

  • Covers site work, materials, and labor through completion
  • Underwriting based on as-completed value
  • Draw schedules tied to construction milestones
  • Available for single-family, multifamily, and mixed-use builds
  • Licensed general contractor required
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Bridge Loans

Short-term financing to close the gap

Bridge loans provide fast, short-term capital to acquire or reposition a property before permanent financing or a sale is in place — ideal when timing matters more than a long-term rate.

  • Fast closings for time-sensitive acquisitions
  • Terms typically 6–24 months
  • Underwriting considers as-is and projected stabilized value
  • Useful for transitional, vacant, or repositioning properties
  • Clear exit strategy required (sale or refinance)
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Land Loans

Financing for raw and entitled land

Land loans help investors and developers acquire raw or entitled land ahead of construction or future use, with terms shaped by zoning, utilities access, and the land's entitlement status.

  • Available for raw, unimproved, and entitled land
  • Terms shaped by zoning and intended use
  • Utility and infrastructure access factored into underwriting
  • Suited for future development or long-term holds
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Submitting information begins your consultation and document-review process. After evaluation, your completed file may be forwarded to suitable third-party lenders for underwriting approval. We are a commercial-loan broker and consulting firm. We do not fund, underwrite, or approve loans.