5th Street Capital

2020 Camino Del Rio N. Suite 700
San Diego, California 92108

About Us

5th Street Capital, Inc. is a groundbreaking mortgage lender that brings a new perspective to the marketplace.

The company has solidified its position as a major provider of Portfolio Products which include Prime Jumbo Fallout, Alt? A and Non QM to aggregator business partners, and as a wholesale resource for approved brokers and bankers.

The 5th Street Capital team is dedicated to helping brokers and bankers offer solutions to buyers of investment properties, second homes, and primary residences in high-cost housing markets. Timely decisions and a commitment to quick closings complement the Company’s flexible underwriting philosophy. The Company strives to provide superior service levels to brokers with whom 5th Street has relationships and to their clients.

Founded in 2015 and based in San Diego, California, 5th Street Capital, Inc. is a privately held residential real estate financing company specializing in lending to high net worth and other well-qualified borrowers sourced through its wholesale and correspondent origination channels. The company is licensed by the California Department of Business Oversight.

What We Offer

Loan Types
  • Non QM
  • Fixed ARM's
  • Full Doc
  • Bank Statement (personal or business)
  • DSCR
  • Asset Depletion
  • 1 Year tax returns
  • P&L Only
  • Foreign National
  • NPRA
  • PRA
  • ITIN
  • Interest-Only Options
  • Non-Warrantable Condos
  • Condo-tels
  • TIC
  • 5-8 Unit Multifamily
  • 2-8 Unit Mixed Use
Lending Territory
  • AZ, CA, CO, CT, FL, GA, ID, IL, IN, LA, MD, MI, MN, MT, NV, NJ, NM, NC, OH, OR, PA, SC, TN, TX, UT, WA, WY
Max Ltv
  • 90%
Loan Amounts
  • $200K - $8M
Closing Times
  • 7-10 days with full file
Loan Purposes
  • Purchase
  • Refinance
  • Cash-out
Documentation
  • Bank Statements
  • Full Doc
  • Alt-Doc
Fees
  • Lender Fee $1425
  • Flood Cert $14
  • Credit Report $24.95
  • Appraisal Review $155 (if under $1.5M)
  • Entity/Trust/LLC Review $250 (if applicable)
  • TX attorney review $215
  • Legal TIC Review $600 (if applicable)
Property Types
  • SFR
  • Condo
  • Townhome
  • Duplex/Triplex/Fourplex
  • TIC
  • Non-Warrantable Condo
  • Condo-tels
  • 2-4 Units
  • 5-8 Unit Multifamily
  • 2-8 Unit Mixed Use
  • Up to 20 Acres
Occupancy
  • Primary
  • 2nd Home
  • Investment
FICO Requirements
  • 660 Min
Case Out Requirements
  • Max $500k (up to $2.5M on case-by-case basis)
Lien Position
  • 1st
Borrower Types
  • US Citizens
  • Perm. Resident Alien
  • Non-Perm Resident Alien
  • ITIN
  • Foreign Nationals
Credit Requirements
  • 12-Month Mortgage/Rent History 1x30
  • FC/SS/DIL: 36 Months Seasoning
  • BK (7, 11, or 13): 36 Months Seasoning
Cltv
  • Max 90% on Approved Scenarios

Contact 5th Street Capital

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