---
title: "Cactus Capital Loan Terms (2026) | LenderTracker"
description: "Cactus Capital investor loan terms as published. DSCR / rental, Fix & flip, Bridge, Ground-up construction loans. Sourced from the lender’s own site."
canonical: https://lendertracker.com/lenders/cactus-capital/
last_updated: 2026-10-17
content_signal: "search=yes, ai-input=yes, ai-train=yes"
---

Canonical URL: <https://lendertracker.com/lenders/cactus-capital/> (this is the Markdown version of that page). Last updated October 17, 2026.

# Cactus Capital: investor loan terms

What Cactus Capital publishes about its dscr / rental, fix & flip, bridge, ground-up construction loans, with links to every source.

LenderTracker is an independent directory. Its founder is a [licensed mortgage loan originator (MLO) with Kenwood Mortgage Investments](https://lendertracker.com/disclosure/), a lender listed on this site. We don't broker loans, don't take per-loan or per-lead fees, and don't rank lenders for pay. Terms change often: confirm everything with the lender. [Full disclosure](https://lendertracker.com/disclosure/).

## Summary of published terms

- **Loan types:** DSCR / rental, Fix & flip, Bridge, Ground-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](https://lendertracker.com/nationwide-lenders/), not on state pages
- **Short-term rentals:** Not published
- **Foreign nationals:** Not published
- **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](https://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.

## Sources

- [www.cactus-capital.com/](https://www.cactus-capital.com/)
- [www.cactus-capital.com/fix-flip](https://www.cactus-capital.com/fix-flip)

Checked 2026-10-17. Terms change often. Confirm directly with Cactus Capital before applying.

[Visit Cactus Capital](https://www.cactus-capital.com/)

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[Report terms](https://lendertracker.com/suggest-a-lender/?lender=cactus-capital)

### Compare with similar lenders

- [Nationwide lenders (more than 10 states)](https://lendertracker.com/nationwide-lenders/)
- [DSCR lenders by state](https://lendertracker.com/dscr-lenders/)
- [Fix and flip lenders](https://lendertracker.com/fix-and-flip-lenders/)
- [Bridge lenders](https://lendertracker.com/bridge-lenders/)

Information on LenderTracker is for general research only and is not lending, legal, tax or investment advice. Not an offer or commitment to lend. Lender names and trademarks belong to their owners. © 2026 LenderTracker.

---

Disclosure: LenderTracker is created by Alex English, a licensed real estate agent and a licensed mortgage loan originator (MLO) with Kenwood Mortgage Investments (Alex doesn't own it; it is listed like every other lender, with no special placement). Alex also makes business-purpose private money loans. None of Alex's own private lending entities are listed. LenderTracker takes no per-loan or per-lead fees and does not broker loans. Full disclosure: https://lendertracker.com/disclosure/