The right loan for your investment. Structured fast, closed faster.
Qualify on the property's cash flow, not your income. No tax returns, no W-2s. LLCs welcome. Up to 85% LTV on purchases and cash outs. Can close in days.
Airbnb, VRBO, and vacation rental financing built around how STRs actually perform. Qualify based on multiple STR market projections including AirDNA, actual platform income, or STR income comps. No personal income docs required.
Cabin markets, beach markets, ski markets, lake houses, mountain retreats. All considered. LLC vesting. DSCR or no ratio options. Can close in days.
No income, no DSCR calculation. Qualify purely on assets and credit. Ideal for investors with complex income, high portfolio count, or properties in lease up.
Fast closings, up to 100% of purchase and 100% of rehab costs. Draw schedules that keep your project moving. Experience not required on all programs. Can close in as little as 3 days.
New construction financing for builders and developers. Up to 90% LTC with draw schedules structured around your build timeline. Residential and small commercial projects considered. Can close in as little as 3 days.
Short term capital to move fast on an acquisition, fund a value add, or bridge to permanent financing. Closes fast when you need it.
5+ unit multifamily, mixed-use, and commercial debt placements. Bridge and permanent options from small balance to institutional scale.
Qualify on rental income only. No personal income required.
12 or 24 months of personal or business bank statements.
Traditional W-2 and tax return qualification for investors who prefer it.
CPA-prepared profit and loss statement — no tax returns needed.
Qualify using liquid assets — retirement accounts, brokerage, savings.
No income, no DSCR. Qualify on credit and assets alone.
Conventional lenders see an Airbnb and walk away. We’ve structured STR financing in mountain markets, coastal markets, lake house communities, cabin corridors, and urban short term rental zones. We know how to read the income and get the deal done.
Whether you’re buying your first Smoky Mountains cabin or refinancing a portfolio of Gulf Coast properties, we find the program that fits.
Get an STR Quote →Qualify on market-level STR income projections. No 2-year history required.
Mountain, beach, lake, urban, and rural vacation markets all considered.
Hold your STR in an LLC. No need to close in your personal name.
Skip DSCR altogether. Qualify on assets and credit alone for the right profile.
Pull equity from a performing STR to fund your next acquisition.
Same day term sheets. STR loans can close in days.
Pre-approvals and term sheets delivered the same day on most deals
One dedicated point of contact from term sheet to closing. No hand-offs, no processors.
No application fees. You pay at close, only when your deal funds.
Nationwide lending footprint across most asset types and markets
Fill out the form above. 60 seconds. No credit pull at this stage.
Our team reviews your deal and reaches out within hours, not days.
We match your deal to the right lender and deliver a term sheet the same day.
We guide the file through underwriting and coordinate closing. You get funded.
Long term DSCR and no ratio DSCR rental loans. No income docs. LLC vesting.
Fix and Flip with fast draw schedules and high LTC. Experience not required on all programs.
Airbnb and VRBO-friendly underwriting. STR income or AirDNA projections accepted.
Blanket and portfolio structures to scale without refinancing each property individually.
New construction and ground up financing for builders with a track record.
5+ unit multifamily, mixed-use, and commercial acquisitions with bridge or perm options.
I’m David Baddiel, founder of Cavendish Capital. I started this firm because I got tired of watching real estate investors get bounced between loan officers who didn’t understand their deals — or their income. Business purpose lending is a different world, and it requires someone who lives in it.
Cavendish Capital focuses exclusively on investment and business purpose loans. No consumer mortgages. No hand-offs to junior processors. When you work with me, you get one point of contact who knows your file from day one through closing — and who can pick up the phone and talk to the underwriter directly.
I’ve placed deals across Fix and Flip, Bridge, DSCR, No Ratio, Bank Statement, STR, and Commercial in dozens of states, for investors at every stage — from first acquisition to large portfolio. If your deal makes sense, I’ll find the program that fits.
Specialized in business purpose real estate finance: Fix and Flip, Bridge, DSCR, Bank Statement, STR, and Commercial Debt Placements. Placing deals across dozens of states with investors at every stage.
Submit your deal above or reach out directly. We respond same day.
Our team will review your deal and be in touch within a few hours. Check your inbox.
