Paid referral: Johnny Funds earns a referral fee from Southern Ground Capital (a share of its origination fee) if your loan funds. You never pay Johnny Funds anything, and per Southern Ground, your points are set by the deal, the same as without a referral. Southern Ground makes every decision. How we get paid
Southern Ground Capital
Investor loans for flips, rentals, and the deal in between
If you buy, fix, build, or hold investment property, Southern Ground Capital is one lender we partner with. Here is what it lists and who it fits.
Paid referral: Johnny Funds earns a referral fee from Southern Ground Capital (a share of its origination fee) if your loan funds. You never pay Johnny Funds anything, and per Southern Ground, your points are set by the deal, the same as without a referral. Southern Ground makes every decision. How we get paid
You will leave johnnyfunds.cash and go to Southern Ground Capital's website. Johnny Funds earns a referral fee if your loan funds. Southern Ground makes all decisions.
I'm [Name] from Johnny Funds. Investors tell us the deal is rarely the hard part; lining up the money on the deal's timeline is. Southern Ground Capital is a private lender that focuses on business-purpose loans for real estate investors.
Southern Ground lists fix-and-flip loans from $75,000 to $3.5 million, DSCR rental loans from $75,000 to $2 million underwritten on the property's rental income, bridge loans, new construction with draw-based funding, multi-family financing for 2 to 10 units, and cash-out refinance. It lends in 43 states, including California, and lists a 660 minimum credit score across its programs (per Southern Ground Capital's website, checked Oct 20, 2026).
Southern Ground underwrites the deal and makes every decision. We do not see your deal file, quote rates or points, or tell you which loan to take.
Who this is for
- Real estate investors buying and renovating property to sell (fix-and-flip).
- Rental owners who want financing based on the property's cash flow (DSCR).
- Investors who need short-term bridge capital, ground-up construction, small multi-family (2 to 10 units), or a cash-out refinance on a property they already own.
- Investors closing in a business entity, such as an LLC.
Who this is probably not for
- Anyone buying or refinancing the home they live in. Southern Ground lends on non-owner-occupied investment property only.
- Properties in Arizona, Nevada, North Dakota, Oregon, South Dakota, Utah, or Vermont (Southern Ground does not lend there, per its site).
- First-time investors who have not run the numbers yet. Start with a deal checklist and talk to your CPA.
How it works
- Read this page and Southern Ground's own program pages.
- Click "Submit your deal to Southern Ground." You will go to Southern Ground's site.
- Southern Ground reviews the deal, gives you its term sheet and disclosures directly, and handles underwriting and closing.
- If your loan funds, Southern Ground pays Johnny Funds a referral fee (a share of its origination fee). You pay Johnny Funds nothing.
What the lender lists (per its website, checked Oct 20, 2026)
| Product | What the lender publishes |
|---|---|
| Fix & flip | $75,000 to $3.5 million; purchase and rehab financing |
| DSCR rental | $75,000 to $2 million; underwritten on rental income; 30-year fixed |
| Bridge | Short-term financing; 3 to 24 month terms |
| New construction | Ground-up residential; draw-based structure |
| Multi-family | 2 to 10 unit residential properties |
| Cash-out refinance | 30-year fixed, underwritten on rental income |
| Eligibility notes | Business-purpose, non-owner-occupied investment property; close in a business entity; 660 minimum credit score; lends in 43 states (not AZ, NV, ND, OR, SD, UT, VT) |
Source: sgcapital.io home, /loans, and the partner program page, checked Oct 20, 2026. Southern Ground states its published program details are illustrative and subject to change; its current site and written term sheet control. Johnny Funds does not quote rates, points, or terms.
FAQ
Is Johnny Funds the lender?
No. Southern Ground Capital (or its funding partner) is the lender. Johnny Funds introduces you and explains the process. We do not take applications, review deals, or make decisions.
Do I pay Johnny Funds anything?
No. If your loan funds, Southern Ground pays us a referral fee (a share of the origination fee it collects). Per Southern Ground, the points you pay are set by the deal and are the same with or without a referral. Ask Southern Ground to show every point and fee in your term sheet.
Can I use this for my own home?
No. Southern Ground lends only on business-purpose, non-owner-occupied investment property.
Does Southern Ground lend in California?
Yes. Per its website, it lends in 43 states, and California is not on its excluded list.
What rate and points will I get?
We do not quote rates or points. Southern Ground prices each deal on its own review and puts its terms in your written term sheet.
What is a DSCR loan?
A DSCR (debt service coverage ratio) loan is underwritten mainly on whether the property's rental income covers the loan payment, rather than on your personal W-2 income. The lender sets the exact test.
Does Southern Ground fund every loan itself?
Per its website, Southern Ground funds some loans with its own capital and arranges others through institutional capital partners, decided during underwriting. Ask them which applies to your deal.
Should I send Johnny Funds my deal details?
No. Send your deal directly to Southern Ground through the button below.
Paid referral: Johnny Funds earns a referral fee from Southern Ground Capital (a share of its origination fee) if your loan funds. You never pay Johnny Funds anything, and per Southern Ground, your points are set by the deal, the same as without a referral. Southern Ground makes every decision. How we get paid
You will leave johnnyfunds.cash and go to Southern Ground Capital's website. Johnny Funds earns a referral fee if your loan funds. Southern Ground makes all decisions.
Important: Johnny Funds LLC is not a lender. We do not make loans, take applications, make credit decisions, or give financial, legal, or tax advice. We do not guarantee approval, rates, terms, or funding. Every lender sets its own requirements, makes every decision, and provides its own disclosures. Product details on this page are taken from each lender's own website as of October 20, 2026 and can change; always read the lender's current terms.