Clopton Capital provides fast, investor-aligned financing for 1-4 unit residential properties across Australia. Whether you are scaling a rental portfolio, executing a “fix and flip,” or launching a short-term rental (STR), we coordinate the flexible capital required to close quickly.
In the current Australian market, traditional bank lending can be slow and restrictive for active investors. We offer a suite of alternative financing solutions designed for speed and flexibility:
Fix & Flip: Short-term bridging finance for purchasing and renovating distressed properties. We offer high LTV/LTC options and can include rehab budgets in the loan structure.
DSCR Rentals: These “Debt Service Coverage Ratio” loans qualify based on the property’s rental income rather than your personal tax returns. Ideal for self-employed investors or those with complex income profiles.
Short-Term Rental (STR): Tailored for Airbnb and VRBO-style properties. We look at the higher yield potential of short-stay accommodation to help you qualify for more proceeds.
Bridge Financing: Fast-closing capital for time-sensitive acquisitions or to “bridge” the gap between a purchase and a long-term refinance.
Construction & ADUs: Financing for single-family builds, townhomes, or adding Granny Flats (ADUs) to increase the yield on an existing 1-4 unit title.
Rental Portfolios: Consolidate multiple 1-4 unit properties into a single facility to streamline your debt and improve cash flow.
In 2026, efficiency is everything. Our programs are designed to bypass the 6-week bank wait times:
Closing Speed: Settle in as little as 5–15 business days (subject to valuation and title).
Leverage: Up to 80% LTV for long-term rentals and up to 90% LTC for experienced flippers.
Prepayment: Flexible options including “Open Prepay” for bridge and flip deals.
Property Types: Detached houses, duplexes, triplexes, and fourplexes on a single title.
Stop chasing banks and start comparing clear, transparent term sheets tailored to your specific investment goals.
A DSCR (Debt Service Coverage Ratio) loan evaluates the property’s ability to pay its own mortgage. If the monthly rent exceeds the monthly debt service (principal, interest, rates, and insurance), you may qualify without providing personal W-2 or PAYG income evidence.
No. These programs are strictly for non-owner-occupied investment properties. For primary residences, traditional residential mortgage products are required.
Yes. Many of our fix-and-flip programs provide up to 100% of the renovation budget, released in “draws” as the work is completed.
For existing properties, we use a standard market valuation. For renovation or construction projects, we use an “As-Completed” valuation to determine the loan amount based on the property’s future worth.
Yes. Many investors refinance from expensive bridge debt into long-term DSCR loans once the Airbnb has a proven 12-month track record of income.
