Who We Are
We help real estate investors finance their next property, from a first rental to a growing portfolio. Three things shape every loan: a fast timeline, one place for every investment strategy, and the flexibility to fit the deal in front of you.
LiButti Capital is based in San Jose, California. We work with real estate investors on business-purpose loans for non-owner-occupied investment property: DSCR loans in 40 states and Washington, D.C., and fix and flip, rehab and ground-up construction loans in 40 states and Washington, D.C.
Financing investment property is often complex. Our job is to make it straightforward: a quick read on your scenario, real numbers you can act on, and a closing date you can plan around. Our online tools, including the instant quote, calculators and scenario comparisons, let you check your options before you ever pick up the phone.
Most loans close in 10 to 14 days
Speed matters when a seller, a contractor or a maturing loan is waiting on you. Our timeline is built around getting you to the closing table without surprises.
- See real numbers first: your quote comes before you commit to anything.
- The appraisal is ordered on day one, because it is usually the longest single step.
- Up against a hard money maturity date? Tell us the date and we plan the timeline around it.
Buy, fix, build, rent and refinance in one place
One team covers every stage of an investment strategy, so your next deal does not mean starting over with someone new.
- Fix and flip and ground-up construction financing for the project phase.
- DSCR loans for long-term and short-term rentals, 1 to 10 units.
- Refinance out of hard money, pull cash out, or drop your rate on property you already own.
Underwritten to the property, not your paperwork
Real estate investors rarely fit a standard box. Our programs are built for the deals that do not.
- DSCR loans qualify on the property’s cash flow: no tax returns, no W-2s, no employment verification.
- DSCR down to 0.00, with no-ratio options when the numbers are tight.
- No seasoning on cash-out or rate-and-term refinances.
- Non-warrantable condos and condotels, vacant and rural properties.
- Close in the name of your LLC or corporation.
From First Call to Closing
Initial Consultation
Share your scenario, and we assess what the deal needs.
Customized Solutions
Receive loan options built around your goals and timeline.
Application & Review
Complete your application and get a fast decision.
Closing & Beyond
Close on schedule, with support for your next deal.
How We Work With Investors
Numbers before commitment
Published terms and a real quote first, so you can decide with the facts in front of you.
Speed that holds up
Closings in 10 to 14 days as the standard, with the appraisal ordered on day one.
Built for the harder deals
Non-warrantable condos, low or no-ratio DSCR, vacant and rural properties: the files that need a second look are where we start.
Investors at Every Stage
Get your personalized rate.
Tell us about the deal. No tax returns, and no credit pull to see where you stand.
📞 Call us now (650) 200-2304Products shown are business-purpose investor loans (such as DSCR) secured by non-owner-occupied property. They are not consumer mortgages and are not intended for personal, family, or household use.
Estimates are based on the information you provide and assume it is accurate and complete. Actual terms depend on full underwriting, appraisal, title, and program eligibility and may differ. The rate shown is the note rate, not the APR; figures exclude taxes, insurance, and certain third-party costs. The payment shown is principal and interest, or interest only where an interest-only option was selected; interest-only payments do not reduce the loan balance and the payment increases when the interest-only period ends.
Compensation and fees vary by loan amount, program, and transaction and are finalized in your loan documents at closing. By submitting, you authorize LiButti Capital to contact you about your inquiry by phone, text, and email (which may be autodialed or prerecorded) and to obtain consumer/credit reports as needed; message and data rates may apply. See our Privacy Policy.