The Firm
A principal-led origination platform, built for the long view.
We exist to finance the operators building America’s rental housing stock with the certainty, discipline, and considered judgment that serious operators require.
The Firm
We were founded on a simple premise: the best lender is one who can be counted on. Not the lowest rate, not the loosest terms. The one whose term sheets fund, whose closings happen on time, and whose discipline holds up across cycles.
Steel Root Capital originates DSCR financing and short-term bridge and construction capital on non-owner-occupied investment properties. We are the lender of record on every loan, working through trusted mortgage broker relationships nationwide.
We are not a rate-sheet shop. We are a principal-led firm operated by someone who underwrites every deal, owns every decision, and signs every commitment. That structure is a feature, not a transitional state.
The firm was founded on a simple premise: the best lender is one who can be counted on. Not the lowest rate, not the loosest terms, not the most aggressive marketing. The one whose term sheets fund, whose closings happen on time, and whose discipline holds up across cycles.
Steel Root Capital originates long-term DSCR financing on non-owner-occupied investment properties for real estate investors building rental portfolios. We are the lender of record on every loan, working through trusted mortgage broker relationships nationwide. Our capital partners provide table funding behind the scenes, allowing us to deliver the speed and certainty of a balance-sheet lender while we build our independent warehouse facility and direct state-by-state licensing.
We are not a rate-sheet shop. We are a principal-led firm operated by someone who underwrites every deal, owns every decision, and signs every commitment. That structure is a feature, not a transitional state · the operators we serve respond to lenders who answer the phone, explain their thinking, and stand behind their term sheets.
What we finance.
DSCR, Fix & Flip, Bridge, Ground-Up, and Multifamily DSCR loans on non-owner-occupied investment properties. Acquisition, refinance, and cash-out structures designed for portfolio operators.
Who we serve.
Mortgage brokers sourcing scenarios for their investor clients, and the real estate operators building rental housing portfolios across primary and secondary markets.
How we operate.
Broker-channel origination, principal-level underwriting, table-funded execution. We close the deals we agree to close, on the terms we agreed to.
Stewardship of durable housing assets is at the center of the Steel Root approach.
What makes us different.
The DSCR origination market is full of operators who compete on price and process volume. We’re built differently. Every loan that closes through Steel Root Capital survived a principal-level review. The slow part of lending isn’t underwriting it’s the surprises that emerge when underwriting was rushed. We do the underwriting work upfront so the closing happens on time.
The audiences we serve sophisticated brokers and professional investors understand this immediately. They have been burned by rate-sheet shops that quote aggressively and re-trade at the closing table. They appreciate a lender who quotes accurately the first time.
Principal
Jesse Sells
Founder & Managing Partner
Jesse Sells founded Steel Root Capital after a multi-year career as a capital advisor and deal originator across commercial real estate, energy infrastructure, and emerging digital infrastructure platforms. His operating background spans multifamily, manufactured housing, historic adaptive reuse, and ranch acquisitions.
Before founding the firm, Jesse served as an ISR NCO with Air Force Special Operations Command, with Arabic language proficiency and operational experience across the Middle East and North Africa. The discipline and judgment formed in that environment inform the way the firm approaches credit decisions today.
Have a deal? Let’s talk.
Submit a scenario for same-day review, or schedule a conversation with our principal.