OnlyWay Capital · Investor & commercial
Financingmade clear.
Investing in real estate? We help investors, builders and business owners find financing that fits the property and the plan, and we tell you honestly what looks realistic.
Financing availability depends on the borrower, property, purpose, lender, program, and jurisdiction. All financing is subject to eligibility, underwriting, program guidelines, property review, and lender requirements.
However you like to decide, start here.
- 01Bottom line firstSend the deal. We will tell you quickly whether a realistic path exists.Submit a deal
- 02Show me what's possibleDSCR, bridge, construction and commercial: see what your next project could be.Browse loan types
- 03Walk me through itHow we screen a deal, what lenders look at and what happens next.See our review
- 04Give me the detailsEligibility, states, fees and fine print, stated plainly.Read the answers
01Financing categories
Business-purpose capitalfor real property.
- 01
DSCR
For eligible 1–4 unit and certain small multifamily investment properties, where qualification centers on the property's income relative to its debt service.
Learn more - 02
Fix & flip
Short-term acquisition and renovation financing for eligible residential investment projects with a defined scope, budget and exit.
Learn more - 03
Bridge
Interim financing to acquire, stabilize or reposition a property while a longer-term path is put in place.
Learn more - 04
Multifamily
Acquisition, refinance or repositioning of apartment properties, sized to the asset's operations and business plan.
Learn more - 05
Mixed-use
Properties combining residential and commercial space, where lender appetite depends heavily on the mix, location and income.
- 06
Commercial property
Owner-user and investment commercial real estate, subject to property type, tenancy and lender criteria.
Learn more - 07
Ground-up construction
Construction financing for eligible projects with entitlement, budget, schedule and experience appropriate to the scope.
Learn more - 08
Other business-purpose
Other eligible business-purpose real estate financing, reviewed case by case.
Program availability, eligibility and structure vary by lender, property type and state. No approval, rate, term, savings, timeline, or closing result is guaranteed.
02Borrower & property fit
Five lenses,before any term.
- 1
The property
Type, location, condition, income or projected income, and value.
- 2
The borrower
Entity, experience with similar projects, liquidity and track record.
- 3
The purpose
Purchase, refinance, cash-out, renovation, construction or stabilization.
- 4
The timeline
When capital is needed, and what depends on it.
- 5
The exit
How the financing is repaid: sale, refinance, or stabilized operation.
03Deal-screening process
From requestto realistic path.
- 01
Intake
A short request describing the property, purpose, amount and timing. No sensitive documents at this stage.
- 02
Screen
We review fit across property, borrower, purpose, timeline and exit, and identify what is missing.
- 03
Frame
We outline the realistic capital paths, if any, along with their typical requirements and trade-offs.
- 04
Source
Where appropriate, the request is presented to suitable lenders or capital providers.
- 05
Compare
Terms are compared on total cost, flexibility and risk, not rate alone.
- 06
Close
The chosen lender underwrites and makes every credit decision. We help keep the process organized.
Rental coverage calculator
Does the rentcover the loan?
Estimated DSCR
1.22
Comfortable coverage. This is the kind of ratio lenders like to see.
- Monthly payment (PITIA)
- $1,973
- Monthly cash flow before other costs
- $427
- Loan amount
- $225,000
Estimate only, for business-purpose investment property, based on a 30-year amortizing loan and the example rate you set. It is not a loan offer or approval, and lenders calculate DSCR in their own ways.
Send us this dealInvesting outside Georgia? We cover 29 states.
04Comparing terms
The lowest rateis not alwaysthe best capital.
Total cost, not rate alone
Points, fees, reserves, extension costs and prepayment terms often matter as much as the headline rate.
Flexibility against the plan
Draw schedules, extension options and prepayment structure should fit how the project will actually unfold.
Certainty of execution
A slightly higher cost can be the better choice when timing and reliability decide the outcome.
Exit alignment
The financing should make the intended exit easier, not harder.
05Capital request
Start withthe essentials.
A short, structured request. No documents, no credit check, and no obligation. We review for fit and respond with next steps.
Please do not send tax returns, bank statements, Social Security numbers or other sensitive documents through this website.
Step 01 / 03
06Referral partners
For brokers, advisors and operators
Agents, attorneys, CPAs, wealth advisors and operators sometimes have clients with property or capital questions outside their own lane. We welcome introductions and will explain clearly how we work and how clients are served. We do not pay or accept fees for referrals of settlement services; referral fees between licensed real estate brokerages are paid only as permitted by law and disclosed.
07Questions & disclosures
Plainly stated.
Is OnlyWay Capital a lender?
OnlyWay Capital helps evaluate a request and identify realistic capital paths. Financing is provided by third-party lenders or capital providers, which make every credit decision. The specific entity involved in any transaction will be identified to you in writing.
Can you guarantee an approval, rate or closing date?
No. Financing availability depends on the borrower, property, purpose, lender, program and jurisdiction, and every loan is subject to the lender's underwriting. We will be direct about what looks realistic and what does not.
Is this for my primary residence?
No. OnlyWay Capital focuses on business-purpose financing for investment and commercial property. Owner-occupied residential financing is a different, separately regulated category.
What should I send at the start?
Only the basics requested in the capital form. Please do not send tax returns, bank statements, Social Security numbers or other sensitive documents through this website. If documents are needed later, you will be given a secure method.
Where is financing available?
Availability varies by lender, program, property type and state. We will confirm whether a realistic path exists for your specific property and location before asking you to invest time.
Capital disclosures
Financing availability depends on the borrower, property, purpose, lender, program, and jurisdiction. All financing is subject to eligibility, underwriting, program guidelines, property review, and lender requirements.
No approval, rate, term, savings, timeline, or closing result is guaranteed.
OnlyWay Capital discussions concern business-purpose financing for investment and commercial property. They are not consumer mortgage offers and are not intended for owner-occupied residential financing.
Real estate brokerage, residential mortgage, and commercial or investor capital services may be provided through different licensed entities or approved partners. Each service is offered only by the entity licensed or authorized to provide it.
Clients are never required to use an affiliated or suggested service provider. You are free to choose your own lender, closing attorney, inspector, insurer, and other providers.
OnlyWay does not provide legal, tax, accounting, or investment advice. Consult your own attorney, tax professional, or financial advisor about your situation.