Malcolm Lending
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Hard Money Loans For Real Estate Investors

Build your investment property portfolio with a hard money partner that understands your need for speed, flexibility, and ease.

No commitment. No fees. Just clarity.

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All Payment $458,511.57
Total Loan Amount $200,000.00
Total Interest Paid $186,511.57
Savings $0.00
Payment Amount $1,273.64
Shorten Loan Term By 0 years 0 months

Payment Breakdown

ⓘ
$1,273.64 per month
Principal & Interest ($1,073.64)
Taxes ($100.00)
Insurance ($100.00)
HOA Dues ($0.00)
PMI ($0.00)
Extra Payment ($0.00)
Home Value: $200,000.00
Mortgage Amount: $200,000.00
Monthly Principal & Interest: $1,073.64
Monthly Extra Payment: $0.00
Monthly Property Tax: $100.00
Monthly Home Insurance: $100.00
Monthly PMI (Until August, 2036): $0.00
Monthly HOA Fees: $0.00

Early Payoff Strategy

ⓘ

Lump Sum Payment

ⓘ
Your monthly payment will decrease $618 per month.
Monthly Payment Decrease $ 618
Total Interest Difference -$ 403,724
Refinance Costs $ 1,000
Time to Recoup Fees 1.6 months

Monthly Payment Comparison

ⓘ
Current Loan $2,414
New Loan $1,795
Monthly Payment Difference -$618

Total Interest Comparison

ⓘ
Current Loan Remaining Interest $466,916
New Loan Interest $63,192
Total Interest Difference -$403,724
Years 8 years
Year 8
Buy Gain $ 7,701
Buy $ 200,968
Rent $ 208,669

Results Summary

ⓘ
Buying Renting
Cash Spent $390,098 $208,669
Home Value -$633,385 --
Balance on Loan $406,252 --
Closing costs on sale $38,003 --
Adjusted Net Cash Savings $200,968 $208,669
Rent $208,669
Buy $200,968

Out of Pocket Cost:

If you opt for homeownership of a property valued at $500,000...

Financial Gain:

After 8 years, if you choose to purchase...

Summary:

Based on the overall expenses incurred...

Cash Flow -$ 19,220.70
Cap Rate 3.20 %
Cash on Cash Return - 16.79 %
DSCR 0.71

Deal Breakdown

ⓘ
Loan Amount: $400,000.00
Down Payment: $100,000.00
Mortgage Payment: $2,935.06
Monthly Payment: $3,518.39
Origination Fee Amount: $8,000.00

Deal Metrics

ⓘ
Total Closing Costs: $14,500.00
Cash Needed to Close: $114,500.00
Price Per Unit: $500,000.00
Gross Rental Income: $30,000.00
Operating Expenses: $14,000.00
Net Operating Income: $16,000.00

Return Metrics

ⓘ
Cash Flow: -$19,220.70
Cap Rate: 3.20%
Cash on Cash Return: -16.79%
DSCR: 0.71
Borrower Equity Needed $ 124,500
Net Profit $ 72,125
Return on Investment 43.61 %
Loan to After Repaired Value 63.33 %

Deal Breakdown

ⓘ
Loan Amount: $475,000.00
Down Payment: $100,000.00
Monthly Interest Payment: $3,958.33
Total Interest Over Term: $35,625.00
Origination Fee Amount: $9,500.00
Other Closing Costs Amount: $15,000.00
Cost To Sell Amount: $37,500.00

Deal Metrics

ⓘ
Closing Costs: $24,500.00
Carrying Costs: $40,875.00
Borrower Equity Needed: $124,500.00
Total Cash In Deal: $165,375.00

Return Metrics

ⓘ
Net Profit: $72,125.00
Loan to After Repaired Value: 63.33%
ROI: 43.61%
  • Investor Funding

Welcome to Malcolm Lending

Welcome to Malcolm Lending, a premier private lending firm built for real estate investors who move fast and think bigger.

We specialize in hard money, fix & flip, new construction, and bridge loans — with the speed, flexibility, and reliability a traditional bank can’t touch. We know time kills deals, so our mission is simple: fund opportunities, not paperwork. Whether you’re scaling a portfolio or chasing your next high-return project, Malcolm Lending is the capital partner behind it — turning your vision into funded, finished, profitable deals.

Fast Flexible Funding

Private capital solutions empowering real estate investors to close deals quickly and confidently.

Investor First Capital

Strategic lending solutions designed to accelerate growth and maximize real estate opportunities.

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Apply Online
  • Investor Advantage

Maximize Returns With Our Funding

Comprehensive Market Analysis

We provide insights to identify the most profitable investment opportunities.

Risk Management Strategies

Smart solutions help investors minimize risks and maximize returns.

Customized Loan Solutions

Loans tailored specifically for unique projects and individual investor needs.

Transparent Funding Process

Clear communication ensures understanding of terms timelines.

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Unlock Potential With Smart Financing

Our financing gives investors the confidence to chase high-return projects without second-guessing the money. We strip out the needless paperwork, approve on the strength of the deal, and keep things moving — so you close in days, not the weeks a traditional bank makes you wait.

With flexible loan programs, investors can tackle fix & flips, new construction, or commercial projects.

500+

Deals Funded

10+

Years experience

  • Smart Solutions

Options and Solutions


The capital to break ground, close fast, and profit.

Fast Funding

Secure your funding and close deals in as little as five days.
What We Offer
  • Funding in as little as 5 days
  • A flexible and creative approval process.
  • When conventional financing is unavailable we will be able to help.

Equity Based

Loan approval focused primarily on property value.
Program Highlights
  • Unlimited saving & debt goals
  • Advanced budgeting analytics
  • Auto reminders & smart alerts
  • Early access to new features
  • Bankruptcies

Construction Loans

Funding for ground-up residential construction projects.

Loan Types
  • Bridge Home Loan
  • Construction Home Loan
  • DSCR Home Loan
  • Fix & Flip Home Loan
  • Land or Commercial Loans

Partner With Experts For Smart Investments

  • Trusted Guidance

You get a real team, not a call center. We know how investors think, so we help you spot the opportunities worth chasing, structure the financing to fit the project, and keep your eye on the long game — the returns that compound deal after deal.

Strategic Planning

We help investors map out clear, profitable real estate investment strategies.

Personalized Support

Dedicated guidance ensures your investment decisions are informed and successful.

Luxury Home
';
Premium
Luxury Home
Location
New.Mexico
150m Bed 3 Bath 3
$456.00
View Details
Luxury Home
Explore Our All Property
General Apartment Villa
Luxury Home
';
Premium
Luxury Home
Location
New.Mexico
150m Bed 3 Bath 3
$456.00
View Details
Luxury Home
Explore Our All Property
General Apartment Villa
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PREVIEWS
  • Loan Options

Flexible Loan Options For Investors

We provide tailored financing solutions, including bridge, construction, fix & flip, and commercial loans to help investors grow efficiently.

Hard Money Loan

A Comprehensive Guide for Real Estate Investors.

Fixed Rate Mortgage

Interest Rate and payments remain the same for the entire term of the loan.

Rehab Loan

Roll the costs of the renovation into your loan.

Jumbo Loan

Jumbo loans offer maximum flexibility for home financing for larger loans.

First Time Home Buyer

Popular loan programs for first time home buyers.

Low Down Payment Options

Explore options that may make you a home owner with a low down payment.
View Loan Options
  • Investor Funding

Start a conversation today!

Whether you’re a seasoned investor or jumping into your first real estate project, having a lending partner who can move quickly is essential.

We focus on speed, flexibility, and clear communication to help you close deals without delay. Our experienced team understands the fast-paced world of real estate investing and is here to guide you through every step of the process

Fill out the quick form on this page to start a conversation about your hard money lending needs today.

Step 1 of 11

What type of property are you financing?

Property Type
  • Our Properties

Explore Our Prime Investment Properties

Discover a wide range of high-potential properties for investors, including residential, commercial, and land opportunities to maximize returns efficiently.

Commercial

9 Properties

Warehouse

9 Properties

Villa

9 Properties

Apartment

9 Properties

Homestay

9 Properties
  • Smart Financing

Achieve Your Goals With Malcolm Lending

Malcolm Lending provides fast, flexible, and reliable financing solutions for real estate investors. We focus on opportunities, minimize paperwork.

Fast And Reliable Funding

Secure financing quickly to take advantage of profitable investment opportunities.

Flexible Loan Program Options

Customized solutions designed to match your project and investment needs.

Expert Investment Support Team

Professional guidance to help investors make smart, confident financial decisions.

  • Investor Funding

How Malcolm Lending Works

Gain access to the capital you need to move forward with your project.

Find

Find your investment property and submit property information.

Apply

Narrow down loan options and apply online. [Online upload Available!]

Review

We will quickly review and begin underwriting to quote terms.

Get Funds

Once terms have been excepted we will schedule the closing.
Request A Quote

Start Project

Once the loan has been finalized you may begin your project!
Request A Quote
  • Investor Funding

Explore Our Available Properties

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Apartment

6 Properties

Villa

8 Properties

Commercial

6 Properties

Warehouse

4 Properties
JLN Capital Investments delivered exactly what they promised—fast, reliable funding without unnecessary complications. Their team understood the urgency of my deal and moved quickly through approval and closing. Communication was clear, professional, and consistent throughout the process. Because of their flexibility and efficiency, I secured the property on time and increased my projected return significantly.
Ashlynn Howard
Real Estate Investor
When traditional financing failed, JLN stepped in with a creative solution tailored to my project. Their equity-based approval process made the difference, allowing me to move forward confidently. The team was responsive, knowledgeable, and transparent from start to finish. Thanks to their support, I completed my renovation and successfully sold the property for profit.
Kenneth Jones
Fix & Flip Specialist
Working with JLN Capital Investments has been a major advantage for my real estate investments. They prioritize opportunities over excessive paperwork and truly understand investor needs. Funding was fast, terms were clear, and the entire experience felt streamlined and professional. With their partnership, I’ve expanded my portfolio, closed multiple deals efficiently and confidently, and grown my long-term wealth strategically.
Jenny Brown
Property Developer

Real Investors Share Their Successful Funding Stories

  • Investor Funding
  • Investor Funding

Still Have Questions?

If you can’t find an answer to your question in the FAQ’s below, you can always contact us and we’ll respond asap.

You can begin by browsing our listings, contacting our agents, and scheduling a property visit. We’ll guide you through financing, negotiation, and paperwork.

Yes. We provide marketing, valuation, and negotiation support to help you sell quickly and at the best price.

Absolutely. We connect tenants with trusted landlords and ensure all rental agreements are safe and transparent.

Yes, we collaborate with banks and financial institutions to assist clients with home loans and financing options.

Our fees depend on the type of service (buying, selling, or renting). We ensure transparency with no hidden charges.

Simply contact us via phone, email, or our online form, and our team will arrange a convenient viewing time.