Optimize Your Investment Portfolio
Unlock equity, reduce rates, or restructure your financing with tailored solutions for real estate investors. Our lending experts are here to help you maximize your portfolio’s potential. Fill out the form below to get started.
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Investor Refinance loans are designed to unlock the full potential of your existing investment properties. Whether you want to access equity, reduce your interest rates, or restructure your financing, our straightforward process ensures fast, flexible options tailored to your goals. Our refinancing solutions provide real estate investors with competitive terms, quick access to funds, and the flexibility needed to grow and optimize their portfolios.
Tailored for Real Estate Investors
Our Investor Refinance loans, including hard money and cash-out refinance options, are designed to provide flexible, fast funding for real estate investors looking to optimize their portfolios or access equity. To qualify, you’ll need:
First Time Investor
Minimum of 680
20% down, 3 months of reserves.
SFR, Condo, Townhome, 1–20 Units
Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option
Key Loan Terms for Real Estate Investors
Transparent and Investor-Focused Loan Terms
Where We Lend
Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario.
Give us a call to see what we can do for you.
VP of Originations
As Vice President of Origination at Sphinx Capital, Carlos Velez brings over 12 years of experience in sales leadership and operational strategy to the private lending industry. A proven expert in driving growth, optimizing processes, and delivering large-scale projects with precision, Carlos is known for his ability to turn complex challenges into seamless, successful outcomes.
Before joining Sphinx Capital, Carlos led high-performing teams across multiple industries, earning a reputation for his strategic mindset, process innovation, and commitment to excellence. This skillset means every transaction is handled with efficiency, transparency, and care.
Beyond his professional role, Carlos is passionate about exploring new places and creating meaningful experiences. He enjoys traveling, taking his RV out for camping adventures, and expressing his creativity through music and studio art. Whether on the road, in the studio, or at the office, Carlos brings the same curiosity, creativity, and drive that define his approach to leadership and life.
CEO
Lance Stukaloff founded Sphinx Capital after extensive experience in the real estate finance industry – starting with business development for two of the largest fintech lenders in the country. Along the way, Lance built a nationwide network of over 5,000 mortgage brokers, many of whom are still partners today. Lance lives in Sarasota, Florida and actively invests in his own projects across the country.
During the past 10 years in the finance industry he has arranged over $750M in equity and debt for real estate developments and investments worldwide. He holds a bachelor's degree in economics and entrepreneurship from Washington University in St. Louis.
Operations
He began his real estate career working as a summer intern for Realty Shares, a startup crowdfunding lending platform in San Francisco.
From there he spent a year as an accountant for a life insurance company before joining forces with Lance at Sphinx Capital.
Warren is a steady analytical wizard, able to quickly discern between potential landmine and goldmine scenarios.
Warren has a degree in Finance & Accounting from Montana State University.
Our Portfolio
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