Chambliss Mortgage Capital

What Chambliss Mortgage Capital does

Chambliss Mortgage Capital (CMC), operating under the legal entity Chambliss Homes, LLC, is a privately held nationwide private mortgage capital lender headquartered in New Orleans, Louisiana. Founded and led by Randy Chambliss (Founder & Managing Principal) and Veronica Chambliss (Co-Founder & Managing Principal), the company deploys asset-based loan products across more than 40 U.S. states to real estate investors, developers, small business owners, and property managers, with documented exclusions in Arizona, California, Idaho, Nevada, North Dakota, South Dakota, Minnesota, Oregon, Utah, and Vermont. The company's customer base centers on residential 1–4 unit investment property borrowers who are typically underserved by traditional bank underwriting due to non-traditional income or DSCR-driven qualification needs.

CMC's product portfolio spans nine distinct offerings built on a shared asset-based underwriting framework: short-term bridge products (Fix & Flip, Multifamily Bridge), construction financing (Ground-Up Construction, $50K–$5M), long-term rental financing (DSCR Rental 30-year fixed, Multifamily Term, and Rental Portfolio blanket loans up to $50M), commercial and mixed-use property loans, and the BRELOC (Business Real Estate Line of Capital) revolving asset-based credit line. Supporting tooling includes proprietary online Fix & Flip and Rental Property DSCR calculators and an 11-step digital intake/quote form. No AI/ML technology is disclosed; the platform is differentiated by speed (standard closing within 10 business days), no personal income verification, no prepayment penalties, and rates/fee structures of approximately 7–13% interest plus 2–5% origination fees.

CMC makes money through transaction-based revenue: interest income on funded loans, one-time origination fees, and pass-through closing costs. Distribution combines a 1099 broker partner program (up to 2.5% commission) targeting loan officers, real estate agents, and wholesalers, alongside direct sales via account relationship executives, phone ((504) 270-1314), and online applications. Capital deployment is funded by an unnamed leading nationwide private credit fund that has deployed over $10 billion in investment property loans, providing institutional capital without a publicly disclosed parent ownership structure. The company also invests in educational content (Private Lending Insider podcast, Financial Success University, Fund My Real Estate Business Academy, The Private Money Lender Community) to support broker recruitment and direct borrower acquisition, with a core team of roughly 4–5 staff supplemented by branch and transaction roles.

Name

Chambliss Mortgage Capital

Legal name

Chambliss Homes, LLC

Website

https://chamblissmortgagecapital.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Chambliss Mortgage Capital is a New Orleans-based private lender offering asset-based mortgage capital across 40+ U.S. states. It provides fix & flip, construction, DSCR rental, multifamily, small commercial, and BRELOC revolving credit products to real estate investors, developers, landlords, and brokers.

Ownership category

akta.pro rank

Product category

Private Mortgage Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Balance-Sheet / Portfolio CRE Lending (FSALADAG)

akta.pro secondary industries

Jumbo & Portfolio Wholesale Lending (FSALACAF), Middle-Market Lending (FSANADAI)

Keywords

• Private mortgage lending
• Asset-based lending
• Fix and flip loans
• DSCR rental loans
• Bridge financing

Headquarters

HQ city

New Orleans

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Loan Origination Interest: Revenue generated from interest charged on bridge loans, fix & flip loans, construction loans, rental loans, and commercial loans. Interest rates range from approximately 7% to 13% depending on loan type, LTV, and borrower profile.
2. Origination Fees: One-time fees charged at loan origination, typically ranging from 2% to 5% of the loan amount. Fees vary by product type and are disclosed in loan calculators.
3. Closing Costs: Additional closing costs including third-party fees for appraisals and other services. No upfront costs to borrowers - paid at closing.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

Chambliss Mortgage Capital is a nationwide private mortgage capital lender that originates asset-based loans for real estate investors, developers, and small business owners. Its core offerings include short-term bridge loans (Fix & Flip, Multifamily Bridge), ground-up construction loans, long-term DSCR rental loans (single-family, portfolio, multifamily term), small commercial and mixed-use property loans, and the BRELOC revolving line of credit. Loans are qualified based on property value and revenue-generating potential rather than personal borrower income, with closing typically completed within 10 business days.

Product overview

Chambliss Mortgage Capital (CMC) is a nationwide private mortgage capital lender offering a platform of asset-based lending products for real estate investors. The product portfolio includes short-term bridge loans (Fix & Flip, Multifamily Bridge), construction financing (Ground-Up Construction), long-term rental financing (DSCR Rental, Multifamily Term, Rental Portfolio), commercial property loans (Small Commercial, Mixed-Use), and a revolving credit product (BRELOC). All products share an asset-based underwriting approach that focuses on property value and revenue potential rather than borrower income, with light documentation requirements and fast closing timelines.

Differentiator

Problem solved

Functional benefit

Brands

• Fund My Real Estate Business Academy: An online real estate investing learning platform that teaches best practices for getting approved for private money BRELOC, securing deals quickly, and avoiding traditional bank approval processes.
• FinancialSuccessUniversity.com

Products and services

• Fix & Flip Loan Short-term bridge loan for real estate investors to purchase properties under market value, rehabilitate them, and resell quickly. Terms up to 18 months with fast funding and no prepayment penalty. Interest rates approximately 8-13% with origination fees 2-5%. LTV up to 85% of purchase price for experienced investors.
• Ground-Up Construction Loan Construction financing for builders and investors for ground-up new construction and land acquisition. Loan amounts between $50,000 and $5 million with 12 or 24 month terms. For build-ready infill and tear-down homes; experienced developers with 3+ similar past projects eligible for higher leverage. Tract home projects and new subdivisions (10+ homes) excluded.
• DSCR Rental Loan 30-year fixed-rate rental property financing for 1-4 unit residential investment properties. Loan amounts $75,000 to $2 million. Qualification based on property income / DSCR with no income verification required. 5/6, 7/6, and 10/6 hybrid ARM options available. Up to 80% LTV. 600 middle FICO for 60% LTV, 650+ for max LTV.
• Small Commercial Loan Financing for small commercial real estate properties including office buildings, retail stores, warehouses, and daycares. Asset-based with no income verification. Up to 70% LTV of purchase price or refinance.
• Multifamily Bridge Loan Short-term bridge financing for small balance multifamily investment properties with 5+ units. Minimum loan amount $500,000. Up to 80% of as-is value and 100% of rehab costs for purchases; 75% of as-is value and 100% of rehab costs for refinancing. Interest-only term available. Up to 24 months with two 6-month extensions.
• Multifamily Term Loan 30-year fixed-rate permanent financing for 5-8 unit multifamily properties. Minimum loan amount $500,000 with interest-only payments available for up to 10 years.
• Rental Portfolio Loan Long-term consolidation financing for investors with 5-20 properties in their portfolio. Flexible terms between 5 and 30 years with up to $50 million in funding through DSCR blanket loans. No W2s, paystubs, or tax returns required. Minimum 680 FICO.
• BRELOC (Business Real Estate Line of Capital) Asset-based revolving line of credit for real estate investors similar to a traditional credit line. Borrowers receive a pre-approved maximum line amount to shop for properties, with funds disbursed at closing. An open-ended, revolving loan structure.

Named customers1 record

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Kiavi (formerly LendingHome): Kiavi is a leading tech-enabled private mortgage lender focused on fix-and-flip and rental financing for real estate investors — essentially the scaled, venture-backed version of Chambliss Mortgage Capital's bridge and DSCR rental products.
• LendingOne: LendingOne is a direct private lender to real estate investors offering bridge, fix-and-flip, and rental loans nationwide with a heavy broker/wholesale channel — directly comparable to CMC's product suite and distribution model.
• Lima One Capital: Lima One Capital originates fix-and-flip, rental, and multifamily loans nationwide to real estate investors, with similar DSCR underwriting and direct-to-broker distribution — a close business-model analog to Chambliss Mortgage Capital.
• Anchor Loans: Anchor Loans is one of the largest fix-and-flip private lenders in the US, offering bridge and renovation financing nationwide with a broker/wholesale model — directly comparable to Chambliss Mortgage Capital's fix-and-flip and ground-up construction products.
• Newfi Wholesale: Newfi is a non-QM and investor-focused wholesale lender offering DSCR, fix-and-flip, and bridge products through a broker channel — overlapping with CMC's investor loan suite, particularly on the wholesale side.
• CoreVest Finance: CoreVest provides rental portfolio, single-family rental, and fix-and-flip financing exclusively to investors, with a broker channel and DSCR-based qualification — direct overlap with CMC's rental portfolio and SFR products.
• Visio Financial Services: Visio Financial provides private money bridge and rental financing to real estate investors nationwide through a broker/wholesale platform, with similar asset-based underwriting and rate ranges to Chambliss Mortgage Capital.

Broad incumbents

• Angel Oak Mortgage Solutions: Angel Oak is a larger non-QM lender offering investor-focused products (DSCR, rental) alongside traditional non-QM, providing broader portfolio reach than Chambliss Mortgage Capital but addressing the same underserved borrower segment.
• Rocket Pro TPO: Rocket Pro TPO is a large wholesale mortgage broker platform that increasingly serves real estate investors; while not a private money lender, it competes for the same broker relationships and investor deal flow that Chambliss Mortgage Capital targets.

Emerging players

• Groundfloor Finance: Groundfloor is a tech-enabled private lender focused on fix-and-flip loans for smaller real estate investors, with a more self-service/app-driven model compared to CMC's high-touch broker and account executive approach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTuberedcircle.com/shows/private-lending-insider
• LinkedInlinkedin.com/company/chambliss-mortgage-capital

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Chambliss Mortgage Capital