JM Real Estate Capital

What JM Real Estate Capital does

JM Real Estate Capital is a privately held, Atlanta-based (3355 Lenox Rd NE #610) real estate investment lender founded by Rob Fishbein, who entered the mortgage industry in 2002 after a 14-year Wall Street career. The firm originates and brokers a suite of specialized loan products for U.S. real estate investors: DSCR Rental Loans (up to 85% LTV, no income documentation required), Fix and Flip Rehab Loans ($50K–$5M, up to 100% of purchase and 100% of rehab costs), Ground-Up Construction Loans (up to 90% loan-to-cost, no experience required), Commercial Loans, and Unsecured Business Lines of Credit (up to $200K with a $299 application fee). It operates as both a direct lender and broker, with terms including 3/1 ARM, 5/1 ARM, 7/1 ARM, and 30-year fixed options.\n\nThe company distributes through a hybrid model: a field-sales team of named loan consultants actively attends and presents at 18+ Real Estate Investor Association (REIA) chapters across the Midwest, Mid-Atlantic, Southeast, and Texas, while a self-serve website channel (jmrecapital.com) captures online loan applications via dedicated forms per product, supplemented by a Floify-powered pre-approval portal. The company operates as a tightly run lending shop, with deeply established relationships in the investor community anchored by the Real Estate ATL meetup (1,000+ past attendees, 50+ reviews, 75+ monthly repeat members) hosted by the CEO.\n\nRevenue is generated primarily through interest income on originated loans and one-time application/licensing fees (e.g., the $299 unsecured LOC fee), with pricing kept competitive but not publicly disclosed. The company is independently owned by its founder, employs 1–10 people, has no institutional investors or parent company, and has not disclosed founding capital, funding rounds, or financial performance. Geographic restrictions exist on certain products (not available in all states; certain population/experience/credit requirements apply for maximum leverage).

Name

JM Real Estate Capital

Legal name

JM Real Estate Capital

Website

https://jmrecapital.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

1–10 employees

Short description

JM Real Estate Capital is a privately held Atlanta-based lender that originates DSCR rental, fix-and-flip rehab, ground-up construction, commercial, and unsecured business lines of credit for individual SMB real estate investors across the United States.

Ownership category

akta.pro rank

Product category

Private Real Estate Lending

NAICS

Real Estate Credit (522292), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)

akta.pro industry

PRIMARYFSAKAGAB

SME Term Loans & Growth Capital

Financial & Insurance/Lending & Consumer Finance/Small Business & Microenterprise Lending

SECONDARYFSALAHAE

Commercial/Non-Residential Construction-to-Perm Financing

Financial & Insurance/Mortgage & Housing Finance/Construction & Renovation Financing (Construction-to-Perm)

SECONDARYFSAEAEAB

Commercial Mortgage Brokerage

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Mortgage Brokerage & Loan Intermediation

SECONDARYFSAKAHAG

Real Estate / Property-Backed Marketplace Lending (Non-mortgage)

Financial & Insurance/Lending & Consumer Finance/Peer-to-Peer (P2P) & Marketplace Lending

Keywords

• Real estate lending
• Fix and flip loans
• DSCR rental loans
• Construction financing
• Private money lending

Headquarters

HQ city

New York

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 Income: JM Real Estate Capital earns revenue primarily through originating real estate loans and earning interest income on those loans. The company acts as both a direct lender and broker, structuring deals for fix-and-flip investors, rental property investors, commercial buyers, and ground-up construction borrowers. Competitive interest rates are offered, with loan amounts ranging from $50,000 to $5 million for rehab loans.
2. Unsecured Lines of Credit — Application Fee: The company charges a $299 non-refundable application fee for unsecured business lines of credit, providing access to up to $200,000 in unsecured credit. This is a one-time fee collected at the application stage.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

JM Real Estate Capital is a full-service private lender and broker that originates real estate investment loans to fix-and-flip, buy-and-hold rental, ground-up construction, commercial, and working-capital borrowers nationwide. Core offerings include DSCR Rental Loans, Fix and Flip Rehab Loans, Ground Up Construction Loans, Commercial Loans, Unsecured Lines of Credit, and a private lending network, with loan sizes from $50,000 to $5 million and funding timelines measured in days.

Product overview

JM Real Estate Capital is a full-service private lender for real estate investors, offering a suite of specialized loan programs. The core products include DSCR Rental Loans for buy-and-hold investors, Fix and Flip Rehab Loans for property renovation projects, Ground Up Construction Loans for new builds, Commercial Loans for commercial properties, Unsecured Lines of Credit for business capital, and a Private Lending network. The company also hosts investor meetups as part of its service ecosystem, serving real estate investors nationwide.

Differentiator

Problem solved

Functional benefit

Products and services

• DSCR Rental Loans Debt Service Coverage Ratio rental loans for 1–4 unit properties and condominiums, with purchases up to 85% LTV and refinances up to 75% LTV, qualified on property rental income rather than borrower personal income. Available term structures include 3/1 ARM, 5/1 ARM, 7/1 ARM, and 30-year fixed, with interest-only options on select loans.
• Fix and Flip Rehab Loans Short-term renovation financing offering up to 90% of purchase price and up to 100% of renovation costs for fix-and-flip investors. Loan amounts range from $50,000 to $5 million with no minimum credit score required and rates tailored to liquid assets including personal/business savings, money markets, mutual funds, 401Ks/IRAs, and cash value life insurance.
• Ground Up Construction Loans Construction financing providing up to 90% loan-to-cost for both residential and commercial ground-up projects, with no prior experience required and a minimum FICO of 680 for best terms. Draw process and expert guidance are provided for builders across experience levels.
• Commercial Loans Customized financing solutions for commercial real estate acquisitions and refinances (multi-family, retail, office, industrial), featuring flexible terms, competitive rates, and experienced team support for property revitalization projects.
• Unsecured Lines of Credit Business lines of credit providing up to $200,000 in unsecured credit with a $299 non-refundable application fee. Quotes are provided within 24–48 hours of receiving required documentation, with competitive rates customized to the borrower's profile.
• Private Lending Network Private lending network connecting real estate investment borrowers with private lenders for funding. Operates as a broker/origination channel complementing the direct lending business.

Quantifiable outcome

• Loans can close in a matter of days
• +4 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• LendingOne: LendingOne offers bridge, fix-and-flip, and rental loans to real estate investors, overlapping with JM Real Estate Capital's product portfolio and target customer.
• CoreVest Finance: CoreVest provides rental portfolio and fix-and-flip financing to residential real estate investors, directly competing with JM Real Estate Capital's rental and rehab loan products.
• Anchor Loans: Anchor Loans is a major private hard money lender focused on fix-and-flip and new construction financing, comparable to JM Real Estate Capital's rehab and construction programs.
• Kiavi (formerly LendingHome): Kiavi is a tech-enabled private lender offering fix-and-flip and rental loans to real estate investors, directly competing with JM Real Estate Capital's rehab and DSCR rental products.
• Visio Lending: Visio Lending pioneered DSCR rental loans for real estate investors and competes head-to-head with JM Real Estate Capital's DSCR rental product offering.
• Lima One Capital: Lima One Capital provides fix-and-flip, rental, and new construction financing to real estate investors, directly competing with JM Real Estate Capital's core product suite.
• Roc Capital: Roc Capital is a private real estate lender specializing in fix-and-flip, new construction, and rental portfolio loans — a direct competitor across JM Real Estate Capital's main product lines.

Emerging players

• Groundfloor Finance: Groundfloor is a real estate crowdfunding and lending platform targeting individual and small real estate investors, overlapping with JM Real Estate Capital's SMB investor customer base.
• Homebase (homebase.finance): Homebase is a fintech proptech platform offering real estate investment management tools and access to financing, partially overlapping with JM Real Estate Capital's investor focus.

Broad incumbents

• NewRez (formerly New Penn Financial): NewRez is a large national mortgage lender that, through its wholesale and investor channels, competes with JM Real Estate Capital for rental investor financing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/JMRECapital
• LinkedInlinkedin.com/company/jmrecapital

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 JM Real Estate Capital