Overview
Genesis Capital operates on larger-scale residential investor lending with institutional underwriting. It was acquired by New Residential Investment Corp. in December 2021 and is now a Rithm Capital company; it was previously a Goldman Sachs portfolio company.
Genesis Capital is based in Sherman Oaks, CA and was founded in 2007. They operate nationally and offer fix-and-flip, bridge, rental, new-construction financing. Their loan amount range runs from $100K to $7.5M.
Key terms at a glance
| Loan type | Hard money / non-QM institutional |
|---|---|
| Products | fix-and-flip, bridge, rental, new-construction |
| Geographic coverage | National |
| Loan size | $100K – $7.5M |
| Interest rate range | 9.5% – 12% |
| Origination points | 1 – 3 |
| Max LTV | 75% of ARV |
| Max LTC | 85% of cost |
| Term lengths | 12-24 months |
| Typical close time | 10-21 days typical |
Strengths
- large transaction capacity
- institutional-quality underwriting
Ideal borrower
Larger-scale investor with $1M+ deal sizes
How Genesis Capital compares
As an institutional non-QM lender, Genesis Capital's underwriting is templated and predictable. That is fast for a borrower who fits the box and inflexible for one who does not.
Coverage is the constraint most investors hit first. Genesis Capital serves National, and lender licensing changes often enough that it is worth confirming your state before you get far into a file. Our state-by-state pages for Genesis Capital cover the rules that differ by state — prepayment penalties, entity vesting and foreclosure mechanics.
Other lenders investors compare against
- The full lender directory — every lender we track, with terms side by side
- How DSCR qualification works — the ratio every one of these lenders underwrites to
- DSCR calculator — check coverage before you apply anywhere
Genesis Capital FAQ
Genesis Capital is based in Sherman Oaks, CA and serves National. Coverage changes as licensing changes, so confirm your state directly with the lender before relying on it.
Genesis Capital's indicative rate range is 9.5%–12% with 1–3 points. Pricing depends on credit, leverage, coverage ratio and experience, and moves with the market.
Genesis Capital's typical minimum loan is $100K, with maximum loan size up to $7.5M.
Genesis Capital's typical close timeline is 10-21 days typical. Fast-close depends on documentation quality, title clarity, and underwriting load.
Genesis Capital offers fix-and-flip, bridge, rental, new-construction financing. They also do DSCR rental refinance, which makes them a one-stop shop for BRRRR strategies.
Larger-scale investor with $1M+ deal sizes
This review is an independent directory listing. DSCR Loan Program is not affiliated with Genesis Capital, receives no payment for placement, and does not rank lenders in exchange for compensation. Rates, terms, and eligibility are determined by the lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.