Our Programs
Fix to Flip | Fix to Hold | Stabilized Bridge Loans
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Funding Up to 90% of Purchase Price
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Up to 75% of After Repair Value (ARV)
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100% Coverage for Renovation Costs
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Flexible Terms: 6 – 19 Months (Interest-Only)
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Loan Amounts: $50K – $3.5M
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No Prepayment Penalty
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Option to Roll Points & Fees into Loan
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Deferred Interest Payment Options
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Funding Within 72 Hours (Clear Title & Appraisal Required)
Loan Guidelines
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Property Type: Residential (1–4 Units); Multi-Family; Mixed-Use
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Occupancy: Non-Owner Occupied Only
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Ownership: Must Be Closed in an Entity (LLC, Corp, etc.)
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Transaction Type: Purchase or Refinance
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Credit Requirement: Minimum FICO Score 620
Rental | Portfolio | Airbnb Loans
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Rate & Term + Cash-Out Refinance Options
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Loan-to-Value (LTV) Up to 80%
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30-Year Fixed & Adjustable Rate Options (5/6, 7/6, 10/6 ARMs)
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Interest-Only Payment Options Available
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Loan Amounts: $55K – $2.5M
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Flexible Seasoning Periods
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Customizable Prepayment Penalty Options
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Funding Within 72 Hours (Clear Title & Appraisal Required)
Loan Guidelines
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Property Type: Residential (1–10 Units)
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Eligible Properties: Portfolios & Short-Term Rentals (Airbnb, VRBO, etc.)
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Occupancy: Non-Owner Occupied Only
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Ownership: Must Be Closed in an Entity (LLC, Corp, etc.)
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Lien Position: First Lien Only
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Credit Requirement: Minimum FICO Score 660
New Construction | Build to Hold | Stabilized Bridge Loans
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Up to 90% Loan-to-Cost (LTC)
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Up to 70% of After Repair Value (ARV)
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100% Financing for Construction Costs
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Flexible Terms: 12 – 24 Months (Interest-Only)
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Loan Amounts: $75K – $3.5M
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No Prepayment Penalty
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Option to Roll Points & Fees Into Loan
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Deferred Interest Payment Options Available
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Funding Within 72 Hours (Clear Title & Appraisal Required)
Loan Guidelines
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Property Type: Residential (1–4 Units), Townhomes, Condos
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Occupancy: Non-Owner Occupied Only
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Ownership: Must Be Closed in an Entity (LLC, Corp, etc.)
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Lien Position: First Lien Only
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Credit Requirement: Minimum FICO Score 660
Additional Loan Services: Purchase & Refinance
Commercial & Residential Real Estate Loans
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Hotels & Hospitality
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Retail Properties
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Office Buildings
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Residential Subdivisions
Specialty Property Loans
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Churches
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Convenience Stores & Gas Stations
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Industrial & Warehouse Properties
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Self-Storage Facilities
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Marinas
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Mobile Home & RV Parks
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Golf Courses
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Senior Care Facilities
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Medical Facilities
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Luxury Homes
Alternative Asset Financing
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Art Collection Financing
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Cannabis Industry Loans
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Private Aircraft Financing
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Yacht Financing
Business & Specialty Financing
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Purchase Order (PO) & Invoice Financing
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Personal Loans
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Litigation Financing
Borrower Process
At Latin Loan Capital, we streamline the lending experience from application to final payoff, ensuring a smooth and efficient process. Our in-house experts handle every step, providing personalized support tailored to your investment goals. As your trusted capital partner, we take the time to understand your projects and financing needs, acting as an extension of your team. Whether you’re scaling your portfolio or securing funding for your next deal, we’re here to help you succeed with fast, flexible, and reliable financing solutions.
✅ Submit an Application
✔ Confirm the business strategy
✔ Collect info about the deal
✔ Generate a quote
✔ Gather required documents
✅ Deal Underwriting
✔ Review rehab/construction
budget
✔ Order appraisal and inspection
✔ Initiate borrower underwriting
✅ Final Deal Approval
✔ Review appraisal
✔ Issue updated quote
✅ Clear to Close
✔ Secure title and insurance
✔ Sign paperwork
✔ Disburse funds
✅ Post-Closing
✔ Make payments
✔ Distribute draws
✔ Request extensions or refinance
Our Story
Our Team
At Latin Loan Capital LLC, we are committed to helping real estate investors secure the funding they need—quickly, efficiently, and with the best possible terms. Our mission is to provide a one-stop lending solution that empowers investors, particularly in minority communities, to grow and succeed in the real estate industry.
We don’t just fund deals—we review, analyze, and strategize to help you maximize your ROI with tailored financing solutions. Whether you’re purchasing, refinancing, or developing a new project, our fast, flexible, and dependable loan programs are designed to fit your unique needs.
From fix-and-flip investments to luxury homes, commercial properties, short-term rentals, and specialized industries, we offer a wide range of funding options to help you scale your portfolio and achieve long-term success. Whether you’re a seasoned investor or just getting started, Latin Loan Capital is here to support you every step of the way.
Robert Ferra
Founder, CEO
Robert Ferra brings over 30 years of experience in the lending industry, with a formal education in Accounting and Finance from Kean College in NJ. He began his career in 1991 as a residential lender, earning national recognition in 2001 as a Top Producer by Mortgage Originator Magazine after closing 885 units and $114 million in volume.
In 2010, Robert expanded his expertise to include business, personal, and commercial loans, and in 2019, he closed one of the largest USDA/SBA loans at $15 million. In 2020, he founded Latin Loan Capital LLC, building one of the largest platforms of Private and Institutional Lenders serving CRE investors across the U.S.
As a respected industry expert, Robert has been featured on Latino TV, radio, and podcasts, sharing his decades of experience and financial knowledge—something he values most in his career.
Mission
Empowering financial growth.
Vision
Building financial futures.
Alexandra Florescu
Alexandra Florescu is a licensed mortgage loan originator in multiple states with extensive expertise in financing and loan programs. She holds a bachelor’s degree in Communication & Journalism and is an expert in SBA lending, contracting, and certifications. Passionate about helping people, Alexandra excels at building meaningful connections and finding the best financial solutions tailored to each client’s needs. Fluent in five languages, she effortlessly connects with a diverse range of clients, ensuring they receive the most strategic and effective funding options to achieve their real estate investment goals.
Sales Manager
Contact Us
Get in touch with Latin Loan Capital LLC for all your loan inquiries. Our team is here to assist you every step of the way.
Email: info@latinloancap.com
Phone: (773) 971-9703
