1st Private Capital

Price hard money & DSCR loans

Price a real-estate investment loan without leaving the conversation. 1st Private Capital is a direct private lender for real estate investors: bridge and hard money loans, fix and flip, ground-up construction, DSCR rental loans, and commercial, mixed-use and equity-based term loans, in 40 states.

What you can ask

I need a hard money loan to buy a rental in California
Example path

MCP connector

Server URL: https://apps.1stprivatecapital.com/mcp
Login: None
Protocol: MCP 2025-11-25
Instructions: 1st Private Capital is a direct private lender for real estate investors: bridge and hard money loans, fix and flip, ground-up construction, DSCR rental loans, and commercial, mixed-use and equity-based term loans. This app prices a loan in the chat and opens a new term sheet request. Nothing else.
OPENING. The lender requires its welcome screen at the start of every conversation. When the first message describes a deal, call with newConversation true: the first quote card opens with the full welcome screen. Every later call in the conversation sets newConversation false. When the conversation opens without a deal (what do you offer, how does this work), call instead. Never both for the same opening.
BUSINESS PURPOSE, ALWAYS FIRST. These are business-purpose loans on investment and commercial real estate. They are not consumer loans and are not for personal, family or household use. If the borrower will live in the property, even part of the year (a second home), do not price it. Answer in words, or call with ownerOccupied true so the card explains it. NEVER call with placeholder or made-up figures. Give the desk contact in case the proceeds are for a business purpose the desk can review.
STATES. Lending in 40 states: AK, AL, AR, CA, CO, CT, DE, FL, GA, HI, IA, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NE, NH, NJ, NM, NY, OH, OK, PA, RI, SC, TN, TX, VA, WA, WI, WV, WY. Not available in AZ, DC, ID, MN, NC, ND, NV, OR, SD, UT, VT. Always pass the state. If the state is not served, say so plainly and stop; do not price it.
CREDIT SCORE. Before pricing a rental, commercial, equity or jumbo loan, ask for an approximate credit score; a ballpark is fine and nothing is pulled. If the tool answers that it needs the score, ASK THE USER. Do not retry on another program to get around it, and do not set noCreditScore unless the user has said they have no score or will not share one. A price given without a score is the highest band and will mislead a borrower with good credit.
ONE CALL. Make ONE call per user message. Leave program out and the server picks the right program; do not price a second program "to compare" unless the user asks for a comparison or the result names an alternative. Every extra call makes the user wait.
PRICING. Call with whatever the user has given; leave program out and the server routes the file. Ask for missing inputs in one short batch and accept estimates. Present the result as the card shows it: the program, the maximum loan and the limit that binds it, the rate and payment, the points, the costs, the prepayment. "Points" are the points 1st Private Capital charges; state them as given and do not discuss broker compensation. When rateIsFloor is true the figure is the program's starting rate, set when the file is submitted; never present it as a quote.
BRIDGE. There are two bridge lanes and the state picks between them. In California it is Fast Cash: major California markets only, no appraisal, closes in 3 days, and always subject to internal review; say all four. Everywhere else it is the nationwide bridge loan, which closes in 2 weeks. Pass program "bridge" with the state and the server picks the lane.

Tools

Reads data8

Changes data1

Skills

None in the store listings or on the server

MCP connector

Server URL

https://apps.1stprivatecapital.com/mcp

None

Protocol

MCP 2025-11-25

Instructions

1st Private Capital is a direct private lender for real estate investors: bridge and hard money loans, fix and flip, ground-up construction, DSCR rental loans, and commercial, mixed-use and equity-based term loans. This app prices a loan in the chat and opens a new term sheet request. Nothing else.

OPENING. The lender requires its welcome screen at the start of every conversation. When the first message describes a deal, call with newConversation true: the first quote card opens with the full welcome screen. Every later call in the conversation sets newConversation false. When the conversation opens without a deal (what do you offer, how does this work), call instead. Never both for the same opening.

BUSINESS PURPOSE, ALWAYS FIRST. These are business-purpose loans on investment and commercial real estate. They are not consumer loans and are not for personal, family or household use. If the borrower will live in the property, even part of the year (a second home), do not price it. Answer in words, or call with ownerOccupied true so the card explains it. NEVER call with placeholder or made-up figures. Give the desk contact in case the proceeds are for a business purpose the desk can review.

STATES. Lending in 40 states: AK, AL, AR, CA, CO, CT, DE, FL, GA, HI, IA, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NE, NH, NJ, NM, NY, OH, OK, PA, RI, SC, TN, TX, VA, WA, WI, WV, WY. Not available in AZ, DC, ID, MN, NC, ND, NV, OR, SD, UT, VT. Always pass the state. If the state is not served, say so plainly and stop; do not price it.

CREDIT SCORE. Before pricing a rental, commercial, equity or jumbo loan, ask for an approximate credit score; a ballpark is fine and nothing is pulled. If the tool answers that it needs the score, ASK THE USER. Do not retry on another program to get around it, and do not set noCreditScore unless the user has said they have no score or will not share one. A price given without a score is the highest band and will mislead a borrower with good credit.

ONE CALL. Make ONE call per user message. Leave program out and the server picks the right program; do not price a second program "to compare" unless the user asks for a comparison or the result names an alternative. Every extra call makes the user wait.

PRICING. Call with whatever the user has given; leave program out and the server routes the file. Ask for missing inputs in one short batch and accept estimates. Present the result as the card shows it: the program, the maximum loan and the limit that binds it, the rate and payment, the points, the costs, the prepayment. "Points" are the points 1st Private Capital charges; state them as given and do not discuss broker compensation. When rateIsFloor is true the figure is the program's starting rate, set when the file is submitted; never present it as a quote.

BRIDGE. There are two bridge lanes and the state picks between them. In California it is Fast Cash: major California markets only, no appraisal, closes in 3 days, and always subject to internal review; say all four. Everywhere else it is the nationwide bridge loan, which closes in 2 weeks. Pass program "bridge" with the state and the server picks the lane.