Last updated
Summary of published terms
- Loan types
- DSCR / rentalFix & flipBridgeGround-up construction
- Channel
- Direct to investors (holds an AZ mortgage broker license)
- Min FICO (lowest stated)
- Not published
- Max purchase LTV
- Not published
- Max cash-out LTV
- Not published
- Min DSCR
- Not published
- Loan size
- Not published
- Prepayment penalty
- Not published
- Arizona / Tennessee
- Nationwide lender: on the nationwide list, not on state pages
- Short-term rentals
- —
- Foreign nationals
- —
- Coverage
- Nationwide (more than 10 states, or says nationwide): state count not published
Fix & flip page FAQ: "Do you lend outside Arizona? Yes. Nationwide." Each program on the homepage also says "Nationwide." Explicit nationwide statement, so it is on the nationwide list (HQ Phoenix, AZ).
Source: www.cactus-capital.com/fix-flip, checked October 17, 2026
Note: No rate sheet published ("Instant Quote is an estimate only... No rate."). License shown on site: AZMB 0941439. Based in Phoenix.
Summary fields show the lender’s rental/DSCR program where it has one, otherwise its bridge program. Loan size spans all programs listed.
Terms published on the lender’s website
Read from Cactus Capital’s own website on the date shown. Advertised rates are “starting at” floors, not quotes. “States” lists the states that program names; a rate only counts toward a state page when its program names that state. Anything not shown here was not published.
| Term | Published value | States named | As of |
|---|---|---|---|
| Max leverage Fix & flip | Up to 92.50% of cost / 75% of ARV | Not named | October 17, 2026 |
| Max leverage Ground-up | Up to 85% of cost / 75% of completed value | Not named | October 17, 2026 |
| Max LTV DSCR rental | Typically up to 80% | Not named | October 17, 2026 |
| Down payment Buy & hold bridge | Typically 20% down | Not named | October 17, 2026 |
Program details
No program-level terms published on the pages we checked.