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The Capital Kings Blog

Strategy, market intel, and financing breakdowns to make your next deal easier and cheaper to fund.

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Featured Read
Featured
A real Capital Kings instant term sheet, itemized with loan amount, rate, fees, and cash to close
Hard Money

How to Get an Instant Hard Money Term Sheet

Build a real, itemized fix and flip term sheet in about three minutes. No phone call, no credit pull. See your loan amount, rate, fees, and cash to close before you ever call a lender.

July 2026 4 min read
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Don't Miss
The infinite $500 referral fee: paid fee ledger showing the same borrower paying $500 on close after close, forever
Partners

The Infinite $500 Referral Fee: Get Paid Every Time Your Investor Closes

Send us a borrower and every loan they ever close with us pays you $500. Why that is legal here and almost nowhere else.

5 min read Read →
How construction draws actually work: 3-draw plan chart showing the monthly payment rising with each draw
Hard Money

How Construction Draws Actually Work (The Rehab Holdback Explained)

Your rehab budget is not funded at closing. How the holdback works, the draw-by-draw process, what it costs, and how to read your HUD.

9 min read Read →
Latest Articles
Fix and flip closing checklist showing entity docs, proof of funds and insurance already cleared while scope of work, appraisal and clear to close are still open
Fix & Flip

Fix and Flip Closing Checklist for Hard Money Loans

Every document you need, the 11 conditions a fix and flip file clears, and which four are actually yours.

Purchase-only vs fix and flip hard money loans face-off: purchase-only is just the house and pays less over the life of the loan, fix and flip is the house plus the rehab budget with as low as 0% down
Fix & Flip

Purchase-Only Hard Money Loans vs Fix & Flip Loans: Which One Do You Actually Need?

Real Houston numbers on the two loans hiding under the hard money label, and the cash-at-closing trade most lenders never explain.

What is a non-QM loan: how you qualify with property cash flow, bank statements, and assets instead of W-2s and tax returns
Non-QM

What Is a Non-QM Loan and Why Do Investors Use Them?

Non-QM loans skip the W-2 and tax return requirements of conventional lending. Here's exactly how they work, and when they beat conventional.

Hard Money

Direct Hard Money Lender vs. Broker: The Honest Breakdown

The questions direct lenders won't answer unless you ask, what brokers actually cost you, and the long-term play most investors don't know about.

Hard Money

Hard Money vs. Traditional Loans: What Every Investor Needs to Know

When fast, flexible hard money wins and when a conventional loan is the smarter play. The real trade-offs on speed, cost, terms, and qualification.

Career

Why Get Into Real Estate? Skills, Career Paths, and Wealth

Real estate is not one career, it is a dozen. The skills transfer, the paths are flexible, and the long-term wealth case is real.

Fix & Flip

How to Analyze a Fix & Flip Deal in 10 Minutes

A repeatable framework for evaluating acquisition price, rehab cost, ARV, and profit margin before submitting an offer.

Hard Money

Points, Fees & Rate: How to Actually Compare Hard Money Lenders

A 10% rate with 2 points is not the same deal as 11% with 0 points. Here's how to do the real math before you commit.

Hard Money

Dutch Interest vs. Standard Interest on Hard Money Loans

One charges you on the full loan from day one. The other only on what you draw. Run the numbers and see which structure protects your margin.

New Construction

Ground-Up vs. Heavy Rehab: Which Makes More Sense Right Now?

Cost structures, timelines, and risk profiles of new construction vs. heavy renovation, broken down side by side.

Non-QM

DSCR Loans: How Rental Cash Flow Replaces Your Income Docs

If your rental covers 1.25x its debt payment, you may qualify. No personal income verification needed.

Strategy

The 70% Rule: A Good Starting Point, Not the Whole Story

The classic fix-and-flip formula gets you in the ballpark, but experienced investors know when to use it and when to ignore it.

Hard Money

Why Hard Money Lenders Can Close in 72 Hours (And Banks Can't)

Speed comes from asset-based underwriting vs. borrower-based. Understanding this sets the right expectations with sellers.

Fix & Flip

What Is ARV and How Do Lenders Use It to Set Your Loan Amount?

After-Repair Value drives everything in hard money: your loan size, your LTV, and your ability to get to the closing table.

Strategy

Cash to Close on a Fix and Flip: The Number Most Investors Miss

Cash to close is more than a down payment. Here is how it is really calculated, what stacks on top, and the number that catches new investors off guard.