Global – – October 20, 2026 -- Wilshire Quinn Capital, a direct portfolio lender focused on real estate-backed financing, has published a seven-step guide for investors seeking private money outside traditional banks, noting that such lenders weigh the property, available equity and loan-to-value ratio more heavily than bank-style criteria.
Guide lists seven channels for sourcing private real estate capital
The channels are online search, direct lenders, referrals from real estate professionals, investment events, professional networks such as LinkedIn, peer investors, and lenders experienced in the borrower's property type. Referral sources include commercial brokers, attorneys, CPAs and escrow professionals. The guide stresses that borrowers should independently vet any referred lender and its terms.
Direct lenders fund with their own capital while brokers place loans elsewhere
A direct lender uses its own platform or capital to evaluate and fund a request, while a broker seeks another funding source. Wilshire Quinn describes itself as a direct lender and says it may finance residential investment, multifamily, office, retail, mixed-use and other commercial properties. Typical private loan uses include bridge financing, property rehabilitation, cash-out refinancing and partnership or ownership buyouts.
Borrowers should weigh fees, term and prepayment provisions beyond the advertised rate
The guide names four selection criteria: lender experience, speed, transparency and ability to fund. Investors should review the interest rate, points, fees, loan term, collateral requirements, repayment structure and prepayment provisions. They should also confirm whether the lender provides the capital itself or intends to place the loan elsewhere.
Underwriting centers on seven transaction factors
Lenders commonly assess property value, borrower equity, loan-to-value ratio, property type, exit strategy, borrower experience and transaction timeline. Accurate information at the outset, the guide says, lets a lender evaluate a request more efficiently.