YOUR FUNDING PARTNER
Hard Money Loans for Real Estate Investors
Fix and flip, DSCR, rental, construction, bridge, and commercial financing with fast closings and competitive terms.
Closings in 14-21 Days
100% Rehab Financing
200+ 5-Star Reviews
MEET DAVID FRIZZEL
A Lender Who’s Actually Been in Your Shoes.
Most loan officers only understand the paperwork. David understands the deal.
With over 25 years of experience across every side of real estate—as a Realtor, property rehabber, wholesaler, and investor—David doesn’t just see a loan application; he sees your exit strategy, your ARV, and your bottom line.
He’s navigated the 2009 market cycle and managed hands-on rehabs, giving him a practical "street-level" understanding of what makes a project succeed. Today, as an Account Executive with Optimus Capital, David acts as your internal advocate—cutting through the red tape to help you find the right loan structure and close before your competition even gets a call back.
25+ Years Experience in Real Estate & Lending
Active Investor Mindset: Realtor, Wholesaler, and Rehabber
Strategic Partner: Focused on your long-term portfolio growth, not just a one-time fee.
Let's Look At Your Deal
Tell me what you're working on and I'll help point you in the right direction.
[Partner Name] to provide their network with trusted lending solutions for real estate investors.
If [Partner Name] referred you here, you’re in the right place.
TIME IS EVERYTHING
Built for Investors Who Move Quickly
In this market, speed and certainty are your biggest advantages. Our process is designed to provide the clarity you need to close on time and scale your portfolio.
Fast
Underwriting
Streamlined internal processes and common-sense underwriting. No "black holes" or endless requests for the same documents.
Competitive
Edge
Secure the funding you need to compete with cash buyers. We move at the speed of your deal to ensure you never miss a closing date.
Investment Focused
We offer business-purpose loans specifically for real estate investors. No traditional bank hurdles or rigid consumer guidelines.
Closing
Certainty
Clear communication and transparent terms from day one. We work to eliminate surprises so you can close with total confidence.
MORE THAN FUNDING
The Capital You Need. Structured With The Right Expertise.
Securing funding is one thing. Structuring it correctly for your deal is what makes the difference.
David works directly with you to understand your project, align the right loan program, and guide the process from start to closing. His background across multiple areas of real estate allows him to approach each deal with a practical, investor-focused perspective.
Through Optimus Capital, you gain access to a nationwide lending platform backed by institutional capital, offering competitive terms, flexible programs, and efficient closings.
Loan programs matched to your specific deal
Clear structure aligned with your exit strategy
Efficient process from application to closing
Direct communication throughout the deal
BUILT FOR GROWTH
Whether you're flipping, building, or holding long-term, the goal is simple:
Get you funded quickly, with the right terms, so you can move on to the next deal.
Powerful Funding Programs. Built to Scale.
Nationwide funding with aggressive pricing and common-sense underwriting. Choose the program that fits your current project.
Fix and Flip Funding
The leverage you need to acquire and renovate without tying up all your capital.
Up to 90% Purchase Price / 100% Rehab Costs
Speed: Closings in 14–21 days (sometimes faster)
Terms: 6 to 24 month Interest Only options
Bonus: No prepayment penalties—get in, get out, get paid.
DSCR / Long-Term Rental Loans
Build your portfolio based on the property’s cash flow, not your personal income.
No Traditional Income Verification: No tax returns or DTI hurdles.
Options: 30-Year Fixed or 10-Year Interest Only.
Leverage: Up to 85% on Purchase / 80% on Cash-Out Refinance.
Focus: Grow your passive income and hold for the long term.
Ground-Up New Construction
Vertical and land financing for builders ready to break ground.
High Leverage: Up to 6 months interest reserve included.
Scale: No maximum funding limits for qualified projects.
Support: Designed for single-family, subdivisions, or infill lots.
Commercial & Multi-Family
For larger assets and complex business-purpose projects.
Asset Types: 5+ Units, Mixed-Use, and Commercial Acquisitions.
Capital: Up to $20M+ available.
Flexibility: Purchase, refinance, or significant cash-out options.
Not sure which program fits your deal?
Submit your deal and David will break down the best funding options, leverage, and terms—so you can move forward with confidence.
ZERO-FRICTION FUNDING
From Deal to Funding in 3 Simple Steps
We’ve stripped away the "bank-style" bureaucracy. Our process is designed for speed so you never miss a closing.
STEP 1
Submit Your Deal
Fill out our simple form with the property details. No impact on your credit, no mountains of paperwork, and no obligation. David will personally review the numbers to see how we can maximize your leverage.
STEP 2
Get Your Custom Terms
Within 24-48 hours, we’ll provide a clear, transparent breakdown of your loan options. We’ll discuss rates, leverage, and structure to ensure it aligns with your exit strategy.
STEP 3
Close & Scale
Once the simple documentation is verified, we move to closing—often in as little as 14 days. You get the capital, you start the project, and you get one step closer to your next deal.
DEALS CLOSED NATIONWIDE
Real Results. Real Investors.
200+
5-Star Reviews
Nationwide
Reach in 25+ States
$1.5B+
In Total Loans Closed
5-STAR REVIEWS
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
Based on 200+ reviews
LET'S CLOSE TOGETHER
Ready to Fund Your Next Project?
Don’t let funding be the bottleneck in your business. Fill out the form below to get a custom quote and see why David Frizzell and Optimus Capital are the preferred partners for serious investors.
If you work with a large network of real estate investor relationships, ask me about my referral partner program.
David Frizzell | Account Executive
727-239-2395
CA DRE #01979668 | Nationwide Funding
Optimus Capital, Inc. only makes loans for a business purpose. Rates, terms, and conditions are subject to change.
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