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Skip the Bank & Fund Your Deal with Confidence!

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At Lulu Capital Inc., we specialize in helping real estate investors succeed when traditional banks fall short. Conventional lending often comes with rigid requirements, slow processes, and narrow qualification windows that just don’t work for many investment scenarios. That’s where we come in. Whether you’ve been turned down by a bank or simply don’t want to deal with the hassle, we offer fast, flexible alternatives designed specifically for investors.

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Our focus is on providing access to private capital solutions that match the real-world needs of professionals actively buying, building, flipping, refinancing, or expanding their portfolios. We understand that every deal is different—and we embrace that complexity. From seasoned operators scaling large portfolios to niche investors working on unique projects like assisted living conversions or cannabis facilities, we have the resources and partners to make funding simple and efficient.

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By working with a network of trusted capital providers, we’re able to cut through red tape, remove unnecessary barriers, and get you answers quickly. Our mission is simple: deliver smart, investor-focused financing options that close fast—so you can keep your projects moving and your business growing.

 

~ Katie Lewis, Vice President
Katie homepage.jpeg

We've Got You

Lulu Capital Inc. specializes in alternative private lending for real estate investors. We make deals happen where banks stall out.

Our Core Loan Programs

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Assisted Living SFR (1–4 Units)

Tailored for long-term financing of 1–4 unit residential investment properties used for assisted living. Perfect for seasoned investors looking for fixed-rate stability with minimal documentation.

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Highlights:

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  • Loan Amounts: $75K – $2MM (up to $5MM available)

  • Max LTV: Up to 75%

  • 30-Year Fixed Terms | Interest-Only Up to 10 Years

  • No DTI, No Employment Verification

  • Minimum FICO: 650

  • First-Time Investors: Ineligible

  • Property taxes and insurance impounds required

  • No DSCR required

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Commercial Real Estate Loans

Designed for long-term holds and monthly cash flow with no balloon.

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Standard Highlights

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  • Property Types: Multi-Family (5+), Mixed-Use, Office, Retail, Warehouse, Automotive, Self-Storage

  • Loan Amounts: $100K – $5MM

  • Max LTV: Up to 75%

  • Terms: 30-Year Fixed | IO Options Available

  • Simple Documentation | Minimum FICO: 650

  • Foreign Investors Welcome (max 65% LTV)

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Equity-Based Highlights

Perfect for high-equity deals—even with major credit challenges.

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  • No FICO minimum

  • Mortgage lates, BKs, NODs OK (1-day seasoning)

  • Existing Mortgage Must Be Current (Refi)

  • Max LTV: 50%

  • Terms: 30-Year Fixed or 5-Year IO

  • Impounds required

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Construction Loans

Whether you're building a custom home, completing a major renovation, or developing a new investment property, we offer flexible construction loan options to fund your project.

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Highlights

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  • Loan Amounts: $75K – $3MM

  • Property Types: Residential (SFR & Multi-Family), Townhomes, Condos

  • Land and Construction Financing in One

  • Up to 90% Loan-to-Cost (LTC)

  • Terms: 12 to 24 months

  • Interest-Only During Construction

  • Soft costs and interest may be rolled into the loan

  • No prepayment penalties

  • Available in most states

We help fund the entire project—from dirt to done.

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Cannabis Real Estate Loans

We provide access to private lending for licensed cannabis operators nationwide—without the hassles of traditional lending.

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Eligible Property Types:

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  • Cultivation / Grow Facilities

  • Dispensaries

  • Warehouses

  • Greenhouses

  • Processing Labs

  • Distribution Centers

  • Investment Properties with Cannabis Tenants

Program Highlights:

  • Loan Amounts: $500K – $25MM

  • LTV: Up to 65%

  • Use: Purchase, Refinance, Cash-Out, Expansion, Construction

  • Flexible Terms: 12 to 36 months (IO), long-term amortizations available

  • Low Documentation

  • Fast Approvals

  • Available in all legal cannabis states

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These loans are ideal for cannabis business operators and investors seeking to acquire or improve real estate.

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Custom Investor Financing Solutions

Have a unique scenario? Let’s structure a solution.

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Other Products:

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  • Bridge Loans

  • DSCR Loans

  • Fix and Flip Financing

  • Gap Funding

  • Note Purchases

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We work with dozens of capital partners to find the right funding for your deal.

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Got a Weird One?

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No matter what unique or challenging property scenario you're facing, give Lulu Capital Inc. a call! We have access to an extensive network of lenders across the country capable of handling all kinds of properties, including Golf Courses, Mobile Home Parks, Gas Stations, and more. Whatever your needs, we're here to find the right solution for you.

Note: Our services are exclusively for investment properties, with limited owner-occupied financing only available when the property is used for business operations.

Who We Serve​

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Real Estate Agents: Expand your value proposition by partnering with Lulu Capital Inc. to meet your clients’ diverse financing needs.

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Investors: From first-time buyers to seasoned professionals, we offer the financial resources to turn your investment visions into reality.

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