Terms & Conditions

Sean Riley Investor Loans

Operated by Capital Concepts Inc. | NMLS #221656 | Sean Riley | NMLS #224639

Last Updated: September 8, 2026

1. Website Terms of Use

This website is operated by Capital Concepts Inc. (NMLS #221656) and Sean Riley (NMLS #224639). By accessing SeanRileyInvestorLoans.com, you agree to these Terms & Conditions and our Privacy Policy. We reserve the right to update these Terms at any time; continued use constitutes acceptance.

2. Mortgage Information Is Informational Only

All content on this website — including loan program descriptions, rate references, qualification guidelines, and DSCR loan information — is provided for general informational purposes only and does not constitute financial, legal, tax, or investment advice. All information should be verified with a licensed mortgage professional before making any financial decision.

3. Submission Is Not a Loan Application

Submitting a form on this website does not constitute a mortgage loan application, a commitment to lend, a loan approval, or a guarantee of any loan terms. No lender-borrower relationship is created by completing any form on this site. All loan applications are subject to full underwriting review, lender approval, and applicable regulations.

4. Loan Programs, Rates, Terms & Eligibility May Change

Loan programs, interest rates, fees, loan-to-value ratios, DSCR requirements, and other terms are subject to change at any time without notice. Programs may not be available in all states or for all property types. Rates discussed during any consultation are not guaranteed and may change prior to formal application or closing.

5. Borrower, Property & Lender Eligibility Requirements

All loan programs are subject to borrower qualification, property eligibility, and lender requirements including:

• Credit history and minimum credit score requirements
• Debt-Service Coverage Ratio (DSCR) thresholds set by the lender
• Property type restrictions (single-family, multi-family, short-term rental, commercial)
• Geographic availability (Capital Concepts Inc. originates DSCR loans in 30 states)
• Loan-to-value and down payment requirements
• Entity and vesting requirements for investment properties
• Appraisal, inspection, and title requirements

Capital Concepts Inc. is a licensed mortgage broker and does not directly underwrite or fund loans. Loan approval is at the sole discretion of the funding lender.

6. Intellectual Property

All content on SeanRileyInvestorLoans.com is the property of Capital Concepts Inc. or its licensors, protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or modify any content without prior written consent from Capital Concepts Inc.

7. Third-Party Links

This website may contain links to third-party websites including lender portals and scheduling platforms. These links are provided for convenience only. We do not control, endorse, or assume responsibility for third-party content, privacy practices, or terms.

8. Limitation of Liability & Disclaimer

THIS WEBSITE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY LAW, CAPITAL CONCEPTS INC. AND SEAN RILEY SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THIS WEBSITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Capital Concepts Inc. is a licensed mortgage broker — not a lender or bank. All mortgage products are offered through third-party wholesale lenders. Equal Housing Opportunity.

9. SMS Terms & Text Message Communications

10. Governing Law & Contact

These Terms are governed by the laws of the State of Texas. For questions, please contact:

Sean Riley Investor Loans
Operated by Capital Concepts Inc. | NMLS #221656
Sean Riley | NMLS #224639
77 Sugar Creek Center Blvd Ste. 600, Sugar Land, TX 77478
Email: [email protected]
Phone: 832-400-6021