Business Details
28 Years
experience
Your Trusted Partner for Real Estate Investment Loans
Capital Concepts has been a trusted leader in real estate investment financing since 1998. Founded by Blake Yarborough, a seasoned Houston-based real estate investor and mortgage professional, we specialize in tailored lending solutions for residential and commercial properties. Our expertise spans hard money loans for flips and buy-and-hold strategies, no-income verification programs, and rental property financing, serving investors across Texas and beyond. With offices in Houston, Dallas, and San Antonio, our team combines decades of industry experience with a deep understanding of investor needs. We prioritize personalized service, leveraging our own hands-on investment experience to guide clients toward sustainable, profitable outcomes.Our commitment to innovation is reflected in flexible loan terms, including interest-only options and fast closings for time-sensitive opportunities. Backed by NMLS licensing and state-specific credentials, we maintain rigorous compliance standards while offering transparent, client-focused service. Through educational resources, networking events, and strategic partnerships, we empower investors to build wealth through real estate. Our proven track record of financing over 1,000 loans underscores our position as a reliable partner for both new and experienced investors seeking expert guidance and customized financial solutions.
Services
Hard Money Loans
Commercial Loans
No Income Verification Loans
Rental Property Financing
Residential Mortgages
Fix and Flip Loans
Buy and Hold Loans
Investor Loan Programs
Cash-Out Refinancing
Delayed Financing Options
Details
- Year established: 1998
Highlights and features
- We have over 25 years of experience in real estate investment loans.
- Our team includes certified mortgage professionals with decades of industry expertise.
- We offer a wide range of loan programs tailored to investor needs.
- We provide personalized service with a focus on long-term investment success.
- We operate in multiple Texas locations, serving local markets with deep knowledge.
Associations and certifications
- Nationwide Multistate Licensing System (NMLS)
What people say
Knowledgeable team
Tailored loan solutions
Valuable networking opportunities
Efficient service
Investment-focused approach
Services
Hard Money Loans
Hard money loans provide quick funding for real estate investors targeting flips or buy-and-hold properties. These interest-only loans finance up to 75% of after-repair value, with terms from 6 months (extendable) and no prepayment penalties. Ideal for investors needing fast closings on distressed properties requiring rehabilitation.
Commercial Loans
Commercial loans support multifamily, storage, and mixed-use property investments with loan amounts up to $5 million. Offering 15-30 year amortization and 80% LTV, these recourse loans include rehab financing options. Available for stabilized or transitional properties across most U.S. states with competitive rates and flexible underwriting.
No Income Loans
No income verification loans cater to self-employed investors or retirees with non-traditional income sources. These 30-year fixed-rate loans finance up to $1 million at 80% LTV for investment properties. Acceptable for vacant or AirBnB properties, with flexible documentation requirements while maintaining rigorous underwriting standards.
Rental Property Loans
Rental property loans offer conventional financing up to $1.2 million for 1-4 family units. With 80% LTV and 15-30 year terms, these loans include cash-out and delayed financing options. Investors can recoup purchase funds within six months while maintaining flexible occupancy requirements for new acquisitions.
Residential Mortgages
Residential mortgage programs cover purchases, refinances, and cash-out transactions from $50,000 to $3 million. Featuring conventional, VA, FHA, and jumbo options with 96.5% LTV maximums, these loans accommodate primary residences and investment properties. Flexible escrow waivers and gift fund allowances enhance accessibility for qualified borrowers.
People
Blake A. Yarborough
President & Founder
Blake Yarborough founded Capital Concepts in 1998 after earning an MBA in Finance & Marketing. With over 25 years in mortgage brokerage and real estate investment, he has financed 1,000+ investor loans. A recognized industry expert, Blake owns 135 rental units and shares his expertise through speaking engagements and educational events.
Cary Donham
Dallas Branch Manager
Cary Donham leads the Dallas office with 22 years of real estate and mortgage experience. Having bought/sold 40+ properties, he specializes in investor financing strategies. His construction background enables comprehensive property analysis, helping clients maximize returns through tailored lending solutions for both new builds and investment acquisitions.
Sean Riley
Houston Branch Manager
Sean Riley brings 27 years of mortgage industry experience to Capital Concepts' Houston office. A former underwriter, he focuses on long-term portfolio growth for clients. As an active investor himself, Sean combines technical lending expertise with practical insights to develop customized financing strategies that align with investors' wealth-building goals.
Kelvin Aribodor
Residential & Commercial Lending
Kelvin Aribodor specializes in residential and commercial mortgage solutions with five years of experience. As a professional real estate investor, he understands client needs for seller financing and renovation projects. Kelvin's expertise in investment property financing helps clients structure deals that optimize cash flow and long-term asset appreciation.
Questions
What loan programs do you offer for real estate investors?
We offer hard money loans for flips, buy-and-hold financing, commercial mortgages, no-income verification loans, and rental property programs tailored to investor needs across Texas and other U.S. markets.
Can I qualify for a loan without traditional income verification?
Yes, our non-QM loan programs allow qualification without standard income documentation, ideal for retirees or self-employed investors with alternative income sources.
How quickly can you close a hard money loan?
Hard money loans typically close within 7-10 days, with expedited options available for urgent investment opportunities requiring immediate funding.
Do you finance property renovations?
Yes, we offer rehab financing options for both residential and commercial properties, including interest-only terms and extensions for completion of improvement projects.
What are your loan-to-value limits?
LTV limits range from 75% for hard money loans to 80% for conventional investor mortgages, with commercial loans up to 80% LTV based on property type and loan program.
Can I cash-out equity from my investment property?
Yes, our cash-out refinance programs allow accessing equity in investment properties, with delayed financing options available for properties purchased with cash within the last six months.
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