Private lending · Real estate operators
MorCap funds co-living, rehab, and fix-and-flip projects with private hard money. Less red tape than a bank. Faster close than you'd expect. We know the deals you're doing — because we've done them too.
What to expect
Co-living
Primary niche — we know the asset class
Secured
All loans backed by deed of trust
St. George
Utah and select surrounding markets
Who we lend to
Co-living operators
Acquiring and converting properties to co-living? We understand the model, the margins, and the rehab. We're built for this deal type.
Fix-and-flip investors
Rehab projects in Southern Utah and surrounding markets. If you have a deal under contract and a clear exit, we want to hear from you.
Bridge financing
Need short-term capital to bridge a gap — between purchase and refinance, or close and stabilization? That's exactly what we do.
How it works
01
Submit your deal
Fill out the application below. Tell us about the property, your plan, and your experience. Takes about five minutes.
02
We review and respond
We'll come back to you quickly — usually within one business day — with initial feedback and any questions we have.
03
Terms and agreement
If it's a fit, we put the terms in writing. You'll know exactly what you're paying, when you're paying it, and what's expected.
04
Funded
Capital is deployed and secured by a recorded deed of trust. You close your deal and get to work.
Common questions
Do I need perfect credit?
No. Hard money lending is asset-based, not credit-based. We're primarily underwriting the deal — the property, the numbers, and your experience — not your credit score.
What markets do you lend in?
Our primary focus is St. George, Utah and Southern Utah. We also consider deals in select surrounding markets on a case-by-case basis. Reach out and we'll let you know quickly whether your market is a fit.
How fast can you close?
Faster than a bank — we don't have the same bureaucracy. Exact timelines depend on the deal and how quickly you can provide documentation, but we move with urgency.
What happens at the end of the loan term?
Most borrowers refinance out via a DSCR or conventional loan once the property is stabilized. Extensions are available if you need more time — we structure that upfront so there are no surprises.
Is this right for my first deal?
We typically lend to operators with at least one completed deal under their belt. If you're brand new, reach out anyway — we're willing to have the conversation.
Apply for funding
Fill out the form and we'll be back to you within one business day. No commitment required — just a conversation to see if it's a fit.
We'll respond within one business day. Submitting this form is not a commitment and does not guarantee funding.