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Apple Valley Capital Group

Private real estate lending · Ohio

Capital that moves at the speed of your deal.

We fund short-term real estate loans in-house — and put private capital to work in them at attractive, first-lien-secured returns.

  • In-house underwriting on every deal
  • First-lien secured, 12-month terms
  • 10 – 12% returns for investors, paid monthly
Apply for fundingExplore investor returns
★★★★★ Trusted by investors nationwide
$$$
24 hrs
First response
$20M+
Capital deployed
100+
Loans funded
100%
On-time payments
Zero losses
Investor track record

How Apple Valley works

Connecting capital with opportunity.

Investors place capital. We fund real estate loans. Every dollar is secured.

Need capital

Experienced Ohio operators apply for short-term financing on their next fix & flip, bridge, new build, or rental refinance.

We fund deals

Our team underwrites the borrower and property in-house — same-week term sheets, closings in as little as 7–14 days.

Capital at work

Investors earn 10–12% annually on their placement, secured by a first-lien mortgage, paid monthly.

For Borrowers

We have the capital. We fund the deal.

Answers to the questions we hear most from experienced real estate operators.

What can I use this for?

Fix & flip, bridge, new construction, and rental refinance loans on non-owner-occupied property.

How fast can you close?

Underwriting happens in-house. Most borrowers hear back within 24 hours of applying.

How much can I borrow?

Up to 70% loan-to-value of ARV, structured as a first-lien loan against the property.

Who do I talk to?

You work directly with the principals underwriting your loan, from first call through closing.
See loan programsApply for funding

For Investors

You have capital. We put it to work.

Answers to the questions we hear most from investors considering us.

How do returns work?

10–12% annually depending on how much capital you place, paid out every month.

How is my capital secured?

Every dollar is secured by a first-lien position against real property — not a share of a fund.

What's the minimum?

Capital can be placed at any amount. Rates step up at the $500K and $1M tiers.

When do I get paid?

Interest is distributed monthly, deposited directly rather than locked up until a fund exits.
See returns & tiersTry the calculator

How it works

Simple, transparent, and fast.

From placement to monthly deposit, every step is designed to feel like a private banking relationship.

  1. 1

    Investors place capital

    You place capital with Apple Valley, at any amount, into our first-lien lending pool.

  2. 2

    We underwrite the deal

    Our team underwrites every borrower and property in-house — no third-party rubber stamps.

  3. 3

    Capital is deployed

    Your capital funds a specific, secured loan on non-owner-occupied real estate in Ohio.

  4. 4

    You earn monthly

    Interest is calculated daily and deposited to your account every month, on time.

Investor returns

Three tiers. One goal — put your capital to work.

Interest is calculated daily on your outstanding balance and paid every month.

Tier 1
10%annual

Paid monthly

Capital committed
$0 – $499,999
  • First-lien secured
  • 12-month term
  • Interest deposited monthly
Most common
Tier 2
11%annual

Paid monthly

Capital committed
$500,000 – $999,999
  • First-lien secured
  • 12-month term
  • Interest deposited monthly
Tier 3
12%annual

Paid monthly

Capital committed
$1,000,000+
  • First-lien secured
  • 12-month term
  • Interest deposited monthly
Try the calculatorSee how returns work

Investment calculator

See what your capital could earn.

Enter an amount and get your tier rate, annual interest, and monthly interest — instantly.

$
$0$500K$1M$2M+

Your tier rate: 11% annual, paid monthly

Estimated monthly interest

$4,583

Estimated annual interest

$55,000

Figures are illustrative estimates based on current co-lender tiers.

Built on discipline

Every loan is structured to protect your capital.

70%

Maximum loan-to-value

30%

Minimum borrower equity

1st

Secured first-lien position

In-house

Underwriting on every deal

Learning Center

Learn how private lending actually works.

Deep-dive guides, glossary, and short explainers — designed to answer the questions before you ask them.

Primer

What is a private real estate loan?

Why private lending exists, who uses it, and how it differs from a bank mortgage.

5 min readRead more
Investor basics

How first-lien security protects your capital.

What 'first lien' actually means, what happens in a worst-case scenario, and why we underwrite the way we do.

7 min readRead more
Tax

Using an IRA to invest in real estate debt.

Self-directed IRAs and 401(k)s — how funds flow, tax notes, and custodians we work with.

8 min readRead more
Visit the Learning Center

What people say

Trusted by operators and investors alike.

“Apple Valley closed our bridge in 9 days flat. We had already had two banks pass on the deal — they just got it.”
DMD. MarcelliOperator · Cleveland, OH
Watch & learn

Understand it in under a minute.

Apply for funding

Send us your deal. We'll come back with a term sheet within 24 hours.

Start an application

Become an investor

Place capital with a lender that underwrites every deal in-house.

Get started

Or just talk to us

Email mike@applevalleycapital.com or call (440) 477-7282.

Contact us