United Capital Point LLC is a Commercial mortgage brokerage specializing in business-purpose financing for residential and commercial real estate investors. Headquartered in Florida, we serve clients across Florida and most U.S. states, connecting borrowers with the right lenders for the right deal — fast, flexibly, and on terms that actually close.
Niche Lending Products. We focus exclusively on the investor-financing space that traditional banks won't touch. Our core product lineup includes:
Every loan we arrange is structured for business purpose only — investment properties, rental portfolios, fix-and-flip projects, and commercial assets. We do not originate owner-occupied or primary-residence loans.
Reputation. Our reputation is built on a track record of happy customers and deals that close. Investors come back to us — and refer their networks — because we don't waste their time. We pre-qualify every scenario against real lender guidelines before submitting, so when we say a loan will fund, it funds. No call centers, no junior processors, no surprises at the closing table. Just direct access to decision-makers and honest answers about what's possible.
Experience. Our team brings more than 20 years of combined experience in mortgage brokerage and capital advisory. We've structured and closed deals across virtually every investor scenario — from first-time DSCR borrowers acquiring their first rental, to seasoned operators scaling multi-property portfolios, to commercial developers funding ground-up multifamily and self-storage projects. We've guided clients through low-credit acquisitions, foreign-national purchases, distressed-asset turnarounds, and high-leverage fix-and-flip campaigns.
Area of Expertise. Our primary expertise is investor-focused, business-purpose lending. We arrange financing in Florida and most U.S. states, with deep market knowledge of South Florida (Miami-Dade, Broward, Palm Beach) and Central Florida. We specialize in loans that require creative structuring: low-credit investors with strong compensating factors, foreign-national borrowers, short-term-rental properties, mixed-use commercial, self-storage development financing, and agricultural or licensed-farm property loans.
Why investors work with us. Unlike retail mortgage offices focused on primary-residence buyers, United Capital Point is built specifically for the investor mindset. We understand cap rates, BRRRR strategies, ARV calculations, PITIA, DSCR ratios, and the pace at which real investors need to move. We don't ask for two years of tax returns when a DSCR loan only needs a lease and an appraisal. We don't kill deals over FICO when LTV and asset strength protect the lender. And we don't disappear after closing — we stay in the relationship for the next acquisition, the next refinance, the next portfolio play.
Whether you're financing your first rental, scaling a portfolio, flipping single-family homes across the country, or funding a ground-up multifamily project, United Capital Point delivers the lending products, the underwriting expertise, and the speed serious investors require.
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
