At Oak Avenue Capital, we’re more than just a private lender — we’re real estate investors ourselves. With over a decade of hands-on experience and more than 200 properties bought, built, and flipped, we understand the unique challenges and fast-moving nature of the real estate investment world.
Founded by an active investor, Oak Avenue Capital was built to bridge the gap between traditional financing delays and the speed investors need to succeed. Whether you’re rehabbing a single-family home, breaking ground on a custom build, or refinancing your rental portfolio, we bring the expertise and capital to keep your projects moving forward.
Oak Avenue Capital offers ground-up construction loans with what it describes as draw schedules, adaptable loan terms, and quick decisions to keep construction progressing. The company does not publish the specifics: there is no stated draw request method, inspection type (physical or virtual), per-draw turnaround, or draw schedule detail on its site, and it does not publish a closing timeline or numeric leverage.
Oak Avenue is backed by private investor capital and runs its lending through IO Lending, LLC. Because the draw mechanics and close speed are not documented, investors building or renovating with Oak Avenue should confirm the draw process, inspection requirements, and funding turnaround directly before closing. The published detail is limited to the fact that draw schedules exist and decisions are made quickly, so the specifics are best confirmed on a deal-by-deal basis.
Optimus Capital, Inc. is a hard money lender based in Gold River, California, in the Sacramento area, making business-purpose loans on non-owner-occupied investment property, with fix and flip, new construction, rental, and multifamily programs.
• Fix and flip: up to 90% of the purchase price and up to 100% of the rehab costs.
• New construction: up to 80% of total costs.
• Rental (up to 30-year terms), rental portfolio, construction completion, and multifamily programs are also offered.
• Optimus lends across roughly 21 states (its footer and fix and flip page list 21, while its homepage lists 25), so investors should confirm current state availability.
Optimus Capital, Inc. is a hard money lender headquartered in Gold River, California, in the Sacramento area, making loans for business purposes only on non-owner-occupied investment property. It lends across roughly 21 states, including Alabama, California, Colorado, Florida, Texas, and Washington, and operates under California Finance Lenders Law license 60DBO-161243 and California real estate broker license DRE 01979668.
