Asheville · Western North Carolina
Find Your Asheville Hard Money Lender
Capstone is a private money broker connecting Asheville and Western NC real estate investors with the right hard money lender for the deal. Fix-and-flip, ground-up construction, bridge, DSCR — business-purpose investment property only. One conversation, multiple lender options. We don't make the loan. We make the right introduction — fast.
Asheville-based · Transparent terms · Real numbers
Why choose Capstone Connectors
Why Asheville investors call us first.
Market-rate transparency
Published rate ranges from across our lender network on our rates page. No "submit a form to see pricing." Decide if your deal pencils in five minutes.
Asheville-based, 828 area code
Local connector, local phone number, deals walked in person. Most "Asheville hard money" SERP competitors are national directories in Boston, Florida, or eastern North Carolina.
Same-day lender match
Send a deal before noon and we'll route it to the right lending partner that afternoon if the numbers work. If they don't work, you'll hear that too — same day, with a reason.
One conversation, multiple lenders
Derek personally handles your deal — intake, lender matching, deal coordination through close. No bouncing between five lender websites filling out the same form. We do the shopping. You get the answer.
Send your deal
Send the numbers. Get matched to the right lender today.
Address, purchase price, rehab budget, projected ARV, your experience. The more detail you send, the faster we can route it to the right lending partner.
Phone is fastest if your deal is hot — call (828) 660-0447. Same person who reads the form.
No obligation. I read every submission myself before routing it. Response usually within 1 hour during business hours.
Loan programs
Asheville hard money and DSCR programs.
Hard money
Asset-based deal matching
Our lending partners typically go up to 70% loan-to-cost and 100% as-is loan-to-value, with six-month terms and three-month extensions. Network rate ranges on the rates page.
- →Fix-and-flip lender matching
- →Ground-up construction lender matching
- →Bridge financing for investors
DSCR loans
Long-term hold financing
DSCR financing for buying or refinancing rental property. Property qualifies the loan, not your W-2. We match you to lending partners who specialize in rental-income underwriting.
- →DSCR purchase
- →DSCR cash-out refinance
- →BRRRR exit financing
Service area
Asheville and Western NC.
We connect Asheville hard money deals across the Western NC mountain market: Asheville, Hendersonville, Black Mountain, Weaverville, Brevard, Fairview, Arden, Mills River, Candler, Leicester, Marion, and Boone.
Outside Western NC for the right operator — ask anyway when you call.
About Capstone Connectors
Asheville connector. Asheville investor focus.
Derek Simkins runs Capstone Connectors out of Asheville. Years of experience pricing deals, structuring financing introductions, and walking properties across the Western NC market. The deals we connect are ones we can stay close to — where the borrower and Derek can have a real conversation about the numbers and the exit, and where we can move fast on the introduction when the deal is right.
More about Derek →Frequently asked questions
What Asheville investors ask before they call.
How much does an Asheville hard money loan cost?
Cost depends on the deal — the property, the LTV, the experience, and the exit. Final rates and terms are set by the lending partner you're matched with. We publish observed rate ranges across our lender network on the rates page so you can model your deal before you call. Most of our hard money partners charge Dutch interest on the full loan amount including escrowed rehab funds — disclosed up front.
How fast can a deal close?
A clean closing typically happens in days, not weeks — assuming title is clear and you can move on documents quickly. Slow points are usually appraisal scheduling, title issues on distressed property, or borrower entity paperwork that needs cleanup. Capstone coordinates with the matched lender to keep things moving.
Will your lending partners work with first-time flippers?
Yes — first-time investors are welcome but the deal has to be cleaner: better margin, more skin in the game, a contractor with a real track record. We'll match you with a partner who works with newer operators. Repeat operators get faster decisions.
What loan types can you route deals to?
Fix-and-flip is the flagship, plus ground-up construction (shovel-ready land), short-term bridge loans for capital between deals, DSCR purchase loans for buying rentals, and DSCR cash-out refinance for pulling equity from existing rentals. Five deal types across our lender network. Same person handles all of them.
What documentation do I need to send?
Purchase contract, scope of work and rehab budget, comparable sales for projected ARV, proof of funds, and entity docs (LLC operating agreement, EIN). Full underwriting walkthrough on the how-it-works page.
Ready to send a deal?
Send the address, the numbers, and what you're trying to do — or pick up the phone. Same person answers either way.