Private real estate capital · Arizona

Capital underwritten
like a closed deal,
not a form.

GAC Capital Advisors originates real estate investment loans and arranges capital for sponsors, developers, and park owners who need speed and real underwriting judgment — not a rate calculator.

10–14

Avg. days to close

80%

Max LTV, DSCR

6

Loan programs

PRE‑APPROVED
GAC CAPITAL
Sample terms DSCR‑100 / 07.26
Loan typeNo‑ratio DSCR
Property4‑unit, non‑owner occ.
LTV75%
Rate (indicative)7.25%
Term30‑yr fixed
Est. close12 days
Loan programs

Six ways to capitalize a deal.

Each program is underwritten by people who've closed the property type before — including the ones generalist lenders won't touch.

DSCR‑100

No‑Ratio DSCR

Qualify on the property's cash flow — no personal income verification required.

  • Non‑owner occupied 1–4 unit & multifamily
  • 30‑year fixed available
  • Ratio and Non‑Ratio DSCR programs available
FF‑100

Fix N Flip

Acquisition and rehab capital sized to the after‑repair value, not just the purchase price.

  • Up to 100% of purchase
  • Up to 100% of rehab
  • Interest reserve available (must qualify)
BRIDGE‑12

Bridge Financing

Short‑term capital to move on time‑sensitive acquisitions before permanent financing is in place.

  • Close in as little as 10 days
  • Interest‑only options
  • Commercial properties
  • Purchase and rate & term
CAP‑ADV

Capital Advisory

Structuring and arranging debt and equity for acquisition, refinance, and recapitalization transactions.

  • Capital stack strategy
  • Institutional & private sources
DEV‑ADV

Development Advisory

Financing strategy for developers — from entitlement through construction and stabilization.

  • Capital stack modeling
  • Construction loan positioning
Why GAC

Built for deals that don't fit a template.

01

No‑ratio underwriting

DSCR loans qualify on property cash flow — not tax returns or personal debt‑to‑income.

02

Real closing speed

Direct access to decision‑makers means terms and closings move in days, not committee cycles.

03

Specialty property expertise

Mobile home parks and RV parks underwritten by people who understand pad counts and park infrastructure — not just cap rates.

How it works

From intake to funded, in three steps.

01

Intake

Submit the deal. We issue indicative terms, typically within 24–48 hours.

02

Underwrite

Property, sponsor, and collateral review — run by people who've underwritten the asset type before.

03

Fund & close

Coordinated closing with title, counsel, and escrow. Funds disburse at close.

Have a deal that needs real underwriting?

Request funding →
Get started

Tell us about the deal.

Submit your details and we'll follow up with indicative terms.