Investment & Commercial Lending
Alura Capital provides investment and commercial loan solutions tailored to business owners, real estate investors, and entrepreneurs seeking strategic growth and funding opportunities.
Commercial investment strategy tailored to your business and portfolio goals.
Residential home loans including FHA, VA, USDA, and Conventional financing options.
Fast capital solutions, refinancing, bridge loans, and investor funding support.
What We Offer
Commercial and residential programs designed to help clients grow confidently and efficiently.
CRE loans, bridge financing, DSCR programs, and investment property solutions for experienced investors and business owners.
FHA, VA, USDA, and Conventional mortgage programs for first-time buyers, existing homeowners, and refinancing.
Strategic funding guidance, business consulting, and capital solutions tailored for long-term wealth building.
Commercial Lending
Whether you're acquiring, refinancing, or repositioning a commercial asset, Alura Capital has the programs and expertise to close.
DSCR Loans
DSCR loans qualify based on the income-producing potential of the property - not your personal income or tax returns. Ideal for real estate investors with multiple properties or self-employed borrowers.
DSCR = Gross Rental Income ÷ Total Debt Payments. A ratio of 1.0 or higher indicates the property covers its own debt - making you eligible with no W-2s or pay stubs required.
Apply NowBridge Loans
Bridge loans are short-term financing solutions that let you act decisively before permanent financing is in place. Close fast, compete with cash buyers, and execute your investment strategy without delay.
Time-sensitive acquisitions, property repositioning, distressed asset purchase, auction properties, and 1031 exchange gap financing.
Apply NowResidential Loans
From first-time buyers to seasoned homeowners, Alura Capital offers the full range of government-backed and conventional mortgage programs.
Low down payment requirements and flexible credit guidelines. Ideal for first-time buyers and those rebuilding credit.
Exclusive benefits for veterans, active-duty service members, and eligible surviving spouses. No down payment required.
100% financing for eligible rural and suburban homebuyers. No down payment and reduced mortgage insurance.
Flexible loan options not backed by the government - ideal for borrowers with strong credit and stable income.
Tap into your home's equity to access cash for renovations, debt consolidation, investments, or any financial goal.
Simplified refinancing for existing FHA, VA, and USDA borrowers - lower your rate with minimal paperwork and no appraisal required.
Investment Strategy
Beyond lending, Alura Capital partners with clients to evaluate opportunities, structure capital stacks, and build sustainable investment portfolios.
We start by understanding your financial goals, timeline, and risk tolerance to build a capital strategy that fits your life.
Our team evaluates markets, properties, and deal structures to ensure you're making data-driven decisions with confidence.
Once the plan is set, we move fast. Our lending relationships and capital access allow for rapid, professional deal execution.
Who We Are
Yes, we're a licensed mortgage company. Yes, we do FHA, VA, USDA, and Conventional loans - and we do them well. But if that's all we did, we'd be just another lender. What actually separates Alura Capital is where we operate when the traditional path runs out.
Alura Capital was built by people who live and breathe real estate - not just loan officers behind a desk, but active investors, landlords, developers, and deal-makers who understand what it actually takes to build wealth through property. Our founder and loan officers carry real-world portfolios and have closed the kinds of deals most lenders have never even seen - sober living facilities, raw land development, mobile and modular housing, one-time close construction loans, ADUs, and investor-grade non-QM financing.
That means when you come to us with a scenario outside the box - a DSCR deal, a subject-to acquisition, a modular home on raw land, or a creative financing structure - we don't flinch. We've been there. We know the programs, we know the underwriters, and we know how to close.
Whether you're a first-time homebuyer using an FHA loan or a seasoned investor stacking doors, Alura Capital has the expertise, the network, and the drive to get your deal done - on time, the right way.
What Sets Us Apart
We specialize in one-time close construction loans for traditional homes, mobile homes, and modular housing - combining land, construction, and permanent financing into a single seamless transaction. Most lenders can't do this. We do it regularly.
DSCR loans, bridge financing, non-QM programs, and creative deal structures are our specialty - not an afterthought. Our team has the knowledge and lender relationships to close deals that require a more sophisticated approach.
Mobile and modular housing is one of the most underserved and misunderstood markets in lending. We understand the programs, the titling, the land requirements, and the financing - and we're actively pushing ADU development as a wealth-building tool.
FHA, VA, USDA, and Conventional - we offer the complete range of government-backed and conforming programs for homebuyers at every stage. Low down payments, flexible credit, and veteran-specific benefits, all handled with the same expertise we bring to every deal.
Our loan officers aren't just licensed - they're investors, realtors, developers, and creative financiers with real portfolios. When you work with Alura Capital, you're working with people who understand the full picture, not just the paperwork.
Founded and operated in Greater Tampa Bay with a national lending footprint. We know this market deeply - and when your deal takes you beyond Florida, our lender network moves with you.
How It Works
Our streamlined process removes the guesswork so you can focus on your goals, not your paperwork.
Start by submitting your application. We'll review your scenario and get you pre-approved so you know exactly what you qualify for before you move forward.
We present the programs that best match your situation - with honest rate and term comparisons so you can choose with confidence.
We guide you through the documentation process and submit your file to underwriting with a complete, clean package.
Once approved, we coordinate closing and ensure funding happens on schedule so you can move forward without delay.
Get in Touch
Reach out today to discuss commercial funding, residential mortgage options, or investment strategy.
Fill out the form below and we'll get back to you promptly.
