Frequently asked questions

A private money lender is a non-bank lender that provides real estate financing based primarily on property value and deal strength rather than strict traditional lending criteria.

Private money loans are typically short- to mid-term loans secured by real estate, with terms structured around the project timeline and exit strategy.

Private lenders offer faster approvals, more flexible underwriting, and deal-based financing, while banks rely on stricter income, credit, and documentation requirements.

Private lenders can move faster, structure loans more flexibly, and focus on investment property performance, making them ideal for real estate investors.

We offer fix & flip loans, long-term rental loans, multifamily loans, and new construction financing.

Yes, many of our loan programs are designed to cover both acquisition and renovation expenses.

Yes, Apollonia Equities provides fix-and-flip loans to real estate investors who purchase and renovate residential properties. These loans are typically structured to cover acquisition and renovation costs, with terms aligned with project timelines and resale strategies.

Yes, we provide long-term rental financing solutions designed for buy-and-hold investors.

Yes, we finance 5+ unit residential properties, including acquisitions and refinances.

Yes, we provide ground-up construction financing with draw-based funding structures.

Loan terms vary by program but are typically structured around the project timeline, property type, and exit strategy.

Rates start at 8.99% for our short-term programs—fix & flip, bridge, new construction, and multifamily loans—and at 6% for DSCR / rental loans. Final pricing depends on the deal, borrower profile, and market conditions. Contact our team for current pricing.

Fees may apply depending on the loan structure. All terms are clearly outlined before closing.

Some loan programs may include prepayment considerations, while others do not. Terms vary by deal.

Our minimum loan amount is $250,000. Loans range from $250,000 to $10 million per transaction, depending on the program and the project.

Experience is helpful but not always required. Each deal is evaluated individually.

The minimum FICO score is 620. Beyond that, credit requirements vary by loan type and deal strength, and we take a flexible, case-by-case approach.

Many loan programs are based on the property and investment strategy rather than traditional income verification.

Typical requirements include property details, purchase contract, scope of work, and borrower information.

Yes, depending on the deal structure and overall strength of the opportunity.

Closings can often be completed in a matter of days to a few weeks, depending on the deal.

Initial approvals can often be provided quickly after reviewing the deal details.

Submit your deal, receive terms, complete underwriting, and close—our process is designed to be straightforward and efficient.

Yes, proof of funds may be provided for qualified borrowers and deals.

Providing complete documentation and clear project details helps accelerate approvals and closing timelines.

We finance residential investment properties, including single-family homes, multifamily properties, and new construction projects. These property types are commonly used for strategies such as fix-and-flip and long-term rental investments.

Yes, we regularly finance value-add and distressed property opportunities.

Appraisal requirements vary depending on the deal and loan type.

Yes, we can finance both on-market and off-market opportunities.

Loan terms vary but are structured around your project timeline and exit strategy.

Extensions may be available depending on the situation and project status.

Yes, many investors refinance into long-term rental financing after completing a project.

Complete the short broker partner form. A member of our lending team will contact you to learn more about your business, review our programs, and outline any onboarding or documentation requirements that apply.

Brokers can submit Fix & Flip, Bridge, New Construction, DSCR / Rental, Multifamily, and Foreclosure Bailout opportunities for non-owner-occupied investment real estate.

No. For an initial review, send the core deal details. If the scenario fits, we will tell you exactly what is needed to move into underwriting.

We aim to provide a clear initial read as quickly as possible once we have the key transaction details. More complex scenarios may require additional information before we can size or structure the request.

Yes. Brokers are encouraged to send scenarios before they are fully packaged. We can review the collateral, leverage, business plan, borrower experience, timing, and exit strategy to determine whether there is a workable structure.

We may communicate directly with the borrower when necessary to underwrite and close the loan. We keep the broker informed and involved so the transaction remains coordinated from initial review through funding.

Broker compensation is addressed based on the transaction and must comply with applicable laws, licensing rules, and disclosure requirements. Contact our lending team for current broker fee guidance.

Send the property address, purchase or refinance request, purchase price or current value, requested loan amount, rehab or construction budget if applicable, expected ARV or stabilized value, borrower experience, current debt if applicable, and target closing date.

Apollonia Equities lends nationwide, excluding North Dakota, South Dakota, Vermont, and West Virginia, subject to program and property eligibility.

Yes. If the deal is close but not a perfect fit, send it. We would rather review the scenario and give you a direct answer than have you assume it cannot be done.

The Fund primarily invests in short-duration, business-purpose real estate loans made to real estate investors and developers. Loans are secured by first-position liens on the underlying investment property.

Returns are intended to come from interest and fees earned on the underlying loans, together with the Fund’s ability to sell selected loans or replenish them through a credit facility and redeploy capital into new transactions.

The Fund targets a 13% internal rate of return and an 8% preferred annual return. These are targets, not guarantees, and actual results may differ.

The Fund is structured for monthly distributions, subject to available cash, Fund performance and the governing offering documents.

The minimum investment is $250,000.

The Fund is available to accredited investors only.

The Fund has a 12-month lockup period, subject to 90 days notice. Investors should review the current offering documents for the complete redemption provisions.

The Fund emphasizes first-position real estate collateral, borrower equity, conservative underwriting, borrower credit and experience, appraisals, title and insurance review, construction draw controls, personal guarantees and diversification across borrowers and properties.

Not necessarily. The Fund intends to sell selected loans to institutional buyers and/or replenish qualifying loans through a credit facility. This can recycle capital into new loans and, when a loan is sold, may transfer future default exposure to the acquiring note buyer.

Opus Fund Services serves as third-party fund administrator and FCI Lender Services as loan servicer.