Capital for the properties banks refuse to touch.
Small-dollar mortgages for workforce housing. Single-wides, tiny homes, rural multifamily. Every loan carries a 10-year affordability covenant.
5%
Down (at 80% LTV)
$75K
Max Loan
7-10 Days
To Close
No Hard Pull
Soft Credit Only
$75K
Max Loan
5%
Down*
12%
Fixed Rate
5 pts
Origination
$2,500
Lender Fee
7-10 Days
To Fund
*5% down based on 95% loan-to-cost. All loans require 80% maximum loan-to-value. Property must appraise at or above purchase price.
The Buy Box
Absolute discipline. No exceptions. Every deal passes or fails on the same criteria.
We Say YES
We Say NO
- Leased land / chattel
- Ground-up construction or vacant land
- Owner-occupied / primary residence
- Personal name borrowers
- Consumer-purpose loans
- No habitable unit on Day 1
95%
Max LTC
80%
Max LTV
1.25x
Min DSCR
6 mo
PITI Reserves
What We Fund
We specialize in underserved asset classes with strong cash flow fundamentals.
Acreage No-Limit
Most lenders cap land at 2-5 acres. We have no acreage limits. If there is a habitable unit on the property, we lend on the total value. Large parcels are a collateral bonus, not a disqualifier.
Manufactured Housing
We lend on all manufactured housing: single, double, or triple-wide, provided it is de-titled and recorded as real property. We support chassis-less modular and prefab units under 2026 ROAD Act guidelines.
Small Multifamily
We bridge the gap between residential (4 units max) and commercial ($500K+ minimums). We fund small multifamily at any unit count, underwritten on stabilized rental income with at least one occupied unit generating verified DSCR.
Habitable Unit Standard
Every property must meet our habitability standard at closing: functional roof, plumbing, electrical, and HVAC. This includes ADUs, tiny homes on permanent foundations, barndominiums, and converted outbuildings with verified utility connections.
Rural Infill
We provide capital in rural counties and Opportunity Zone markets that are underserved by traditional lenders. Underwriting is based on property cash flow and verified condition, not zip code alone.
Cash-Out Refinance
Recapitalize your existing workforce housing portfolio. Up to 80% LTV on stabilized, income-producing assets. Same 7-10 day close, same soft pull, same simple underwriting.
Impact-First Lending
Every loan carries a recorded affordability covenant. This is not marketing. It is a deed restriction.
80% AMI Rent Covenant
Every loan includes a 10-year deed restriction limiting rent to 80% of Area Median Income as published by HUD. Units must be rented to households whose income does not exceed 80% AMI. Annual certification required. Non-compliance triggers a 2% step-up rate.
This covenant runs with the land. It survives property transfers and remains in effect until the loan is paid in full.
2026 ROAD Act Compliance
Full alignment with the 21st Century ROAD to Housing Act. Documented affordability metrics on every deal. Our covenant structure qualifies warehouse bank partners for federal CRA credits, the primary incentive for institutional participation in this asset class.
Workforce Housing Focus
Borrowers commit to renting below market. In exchange, they receive fast, high-leverage financing for asset classes conventional lenders ignore. Stabilized inventory in communities where affordable housing is most needed.
Launch States
Active lending footprint across 9 states
AR
Active
CO
Active
FL
Active
GA
Active
IN
Active
MO
Active
OH
Active
SC
Active
TX
Active
CRA Eligible
All loans qualify warehouse partners for Community Reinvestment Act credits through documented 80% AMI affordability covenants.
Institutional Infrastructure
Enterprise-grade from Day 1. Every step automated. No spreadsheets, no manual underwriting.
Soft Pull Credit
MeridianLink
Automated soft credit inquiry via API. No credit damage to borrowers. We cover the cost of the pull. Instant decisioning on 620+ FICO floor.
Digital Closing
Stavvy RON
100% Remote Online Notarization. Borrowers sign from their laptop. Digital seal triggers immediate wire funding.
Asset Valuation
ClearCapital
Desktop and hybrid appraisals for sub-$75K properties. 24-hour turnaround at $200-$300 per report.
Loan Servicing
FCI Lender Services
Institutional servicing from Day 1. Payment processing, escrow, 1099 reporting, default monitoring. Full compliance.
7-10 Day Close
No back-and-forth. No committee meetings. Asset-based underwriting means we care about the property's cash flow, not your tax returns.
Day 1
Application + Soft Pull
Borrower submits entity docs, purchase contract, 6-month bank statements, and signs soft pull consent. System auto-calculates DSCR. Instant decline if below 1.25x.
Day 2-4
Valuation + Title
Desktop appraisal ordered via ClearCapital. Preliminary title search initiated. Value confirmed and liens identified within 48 hours.
Day 5-7
Underwriting + Clear to Close
30-minute asset-based underwrite: verify habitable condition, LLC standing, DSCR math. Issue Clear to Close. No tax returns. No income docs.
Day 7-10
Digital Close + Fund
Remote Online Notarization via Stavvy. Borrower signs the Note and Mortgage from their laptop. Wire triggers the moment the digital seal is applied.
Day 1
Application + Soft Pull
Borrower submits entity docs, purchase contract, 6-month bank statements, and signs soft pull consent. System auto-calculates DSCR. Instant decline if below 1.25x.
Day 2-4
Valuation + Title
Desktop appraisal ordered via ClearCapital. Preliminary title search initiated. Value confirmed and liens identified within 48 hours.
Day 5-7
Underwriting + Clear to Close
30-minute asset-based underwrite: verify habitable condition, LLC standing, DSCR math. Issue Clear to Close. No tax returns. No income docs.
Day 7-10
Digital Close + Fund
Remote Online Notarization via Stavvy. Borrower signs the Note and Mortgage from their laptop. Wire triggers the moment the digital seal is applied.
The Borrower Experience
No phone calls. No faxes. No waiting. A fully digital experience from application to funding.
Soft Pull Consent
"I authorize Infill Capital LLC to perform a soft credit inquiry for the purpose of pre-qualifying me for a business-purpose loan."
Automated DSCR Calc
Funding Timeline
Est. Funding
Day 8-10
80% AMI Rent Limits
Every Infill Capital loan requires rents at or below 80% of Area Median Income. Enter a zip code to see the maximum allowable rent.
Rent Cap Lookup
Search by zip code in our 9 launch states
Available for AR, CO, FL, GA, IN, MO, OH, SC, TX
Quick Qualification Check
Enter the property value and expected rent. We calculate your DSCR using our 12% fixed rate to see if you qualify for 5% down.
Purchase: 95% LTC / 80% max LTV. Cash-out: 80% LTV. PITI calculated at 12% fixed, 30-year amortization, plus est. tax and insurance.
No personal info required. Instant result.
Ready to fund?
12% fixed. 5 points + $2,500 lender fee. 7-10 days. No junk fees. No haggling. No committee.
Business Purpose and Professional Investor Use Only