Structured Capital
for Real Estate Investors, Sponsors & operators
Structured Capital
for Real Estate Investors & Sponsors
Iron Ox provides structured capital for acquisitions, construction, repositioning, and long-term hold strategies — built for operators who need clarity, speed, and aligned execution.
How We Deploy Capital
Bridge Financing | Fix & Flip
Short-term capital for acquisition, stabilization, and value-add residential projects.
Ground-Up Construction
Financing for entitled residential and select commercial developments.
DSCR & Buy-and-Hold
Long-term rental financing based on asset cash flow performance.
REFINANCE & EQUITY ACCESS
Capital to refinance debt, improve structure, and reposition assets.
Typical Deal Parameters
We structure capital around the deal — not the other way around. The below reflects typical parameters, with flexibility based on sponsor strength, asset quality, and execution plan.
Asset Types
1–4 Unit Residential
Small Multifamily
Select Commercial
Entitled Ground-Up
Loan Structures
Bridge / Value-Add / Fix & Flip
Ground-Up Construction
DSCR & Stabilized Hold
Refinance & Portfolio Optimization
Loan Size
$100,000 – $5,000,000
Larger opportunities considered through aligned capital partners
Leverage
Up to 85% LTC (incl. purchase + renovation)
Up to 100% of renovation budget (case-by-case)
Typically 65–75% ARV (higher considered for strong sponsors)
Ground-up typically ≤70% LTC
Experience
Emerging and experienced sponsors considered
Select first-time operators supported with strong fundamentals
Geographic Focus
Primary focus: Strategic U.S. markets (Business Purpose Only)
Select nationwide opportunities supported through aligned capital relationships
Exit Strategy Required
Sale, refinance, or stabilized hold
Execution Timelines
While every opportunity is structured individually, typical closing timelines are:
Bridge / Fix & Flip: 3-5 days
Ground-Up Construction: 7-10 days
DSCR / Stabilized Rentals: 7-10 days
Well-prepared sponsors with complete documentation can often close even faster.
Disciplined Underwriting
Every opportunity is evaluated through sponsor experience, capital alignment, collateral quality, and a clearly defined exit. We focus on disciplined execution and aligned structures — not volume-driven lending.
Deal Process
Designed for efficient execution while maintaining disciplined underwriting.
Opportunity Submission
Submit your deal overview and supporting materials. Initial review is completed within 24 hours.
Preliminary Alignment
If aligned, we issue indicative terms outlining structure, leverage, and pricing.
Underwriting & Diligence
Sponsor background review, collateral analysis, and validation of exit strategy.
Final Approval & Documentation
Formal approval issued upon completion of underwriting. Documentation executed and closing coordinated.
Capital Deployment
Funds disbursed and project execution begins.
What strong deals have in common
A clearly defined exit strategy
Realistic scope, timeline, and budget
Sponsor alignment and decision clarity
Defensible projections — not optimistic assumptions
Meaningful capital at risk
Submit a Structured Opportunity
Let’s Evaluate Your Next Investment
Iron Ox Capital supports real estate investors nationwide including Texas, Florida, California, Arizona, Nevada, Colorado, Georgia, Tennessee, Illinois, Indiana, Ohio, Michigan, North Carolina, South Carolina, Alabama, Missouri, Oklahoma, Washington, and other strategic U.S. markets.
Iron Ox Capital supports real estate investors nationwide including Texas, Florida, California, Arizona, Nevada, Colorado, Georgia, Tennessee, Illinois, Indiana, Ohio, Michigan, North Carolina, South Carolina, Alabama, Missouri, Oklahoma, Washington, and other strategic U.S. markets.