Opportunity Investment Capital is an opportunistic Asset Based Fund focusing on commercial real estate. Offerings including but not limited to distressed asset acquisition, credit enhancements, bridge loans, short sale or other opportunities relating solely to commercial real estate primarily in the Southeastern US.

The Company is seeing tremendous opportunities as commercial banks and traditional forms of real estate finance are low on capacity or are adhering to stricter guidelines. Because of the US banking situation, deal flow exceeds current capacity. The Southeast is an underserved market for these types of products. Opportunity Investment Capital expects 2-4% of commercial real estate transactions to need Opportunity Investment Capital’s services. With over 30,000 commercial real estate transactions annually in the Southeastern US, there are ample opportunities for Opportunity Investment Capital’s strategy.

Given this opportunity, each investment selected for the portfolio is expected to yield a gross return of 18% to 45%, (not including any equity components), depending on the nature of the transaction, loan amount, ratios, term and the market conditions at the time of the transaction. Income is derived from fees, points, interest rate, and equity.

Fund A was started in 2006 as a concept fund using the general partner’s own assets under the name Real Estate Guarantors and Intermediary Services, Inc. (REGAIS). Subsequently, the corporate name was been changed to Commercial Real Estate Capital, Inc. and is doing business as Opportunity Investment Capital, Inc. During this time over fifty deals were reviewed, ten were closed, and nine were successfully exited with only one needing a work out. This portfolio realized a gross return of between 10%-72% per deal.

The Opportunity Investment Capital Management team combines four people having a total of 24 years of deal origination experience. Billie Attaway, founding member, is a serial entrepreneur/real estate investor who started and successfully exited two companies (one to a publicly traded company).  Along with Director of Business Development – Michael Rowell, Director of Operations and Risk Management – Charles Lineberry, and Attorney Daniel Vallini, Billie Attaway has worked with this team in various capacities beginning with Fund A in 2006.

Opportunity Investment Capital is raising an open ended second fund for investments initially in the Southeastern US with a goal of raising two additional tranches in an amount totaling $1 Billion for investment nationwide. The fund will break escrow at $25 Million.

The Manager has a data base of 50,000 commercial realtors nationwide. Additionally, deals will be sourced through banks, mortgage brokers, attorneys and accountants. Typical deal size will be between $100,000 and $5,000,000. Risk is mitigated by professional advisors, service providers, advisory board, portfolio diversification, physical location diversification, and product mix. Underwriting guidelines equal to or exceeding a typical bank with second opinions on appraisals and independent commercial real estate broker’s opinions on value. Single Purpose LLC strategy with Management Certificates held in escrow.

The fund has a life expectancy of three to five years. Dividends are reinvestred or partial distributions at the discretion of the manager. Management fee: 2% Incentive fee: 20% Hurdle rate: 6%


Opportunity Investment Capital has closed deals involving over $8,000,000 of commercial real estate. This amounts to over $600,000 in commissions paid to realtors. If you have good deals that aren't getting financed, we can help!


Opportunity Investment Capital provides the support you need to ensure that your investment stays on track. As a direct real estate lender specializing in quick, short-term hard money loans, we fill the void left by conventional lenders.Feel free to peruse our site to learn more about us, and download our quick and easy application. Our loan terms are also available on the site, but for more information on how flexible our loans can be and how useful they can be for your investment, contact us.

We’re as ready as you are to make your real estate investment a success.

Mortgage Broker

Opportunity Investment Capital enhances the strength of the borrower and overall deal by 'lending' our balance sheet as a guarantor or assurance to the lender, behind the corporation, LLC, Entity, and behind the individuals involved with the deal. Some important points:

  • Competition among lenders is fierce and only going to get worse.
  • FDIC has tightened LTV requirements.
  • If you can't help a customer through a financial 'hiccup', the competition will.
  • You have to meet your numbers, and we can help!


Our Quick Response Makes Us Different Opportunity Investment Capital solves problems fast. We deliver credit approval within 48 hours, underwriting can be completed in 72 hours, and settlement made as quickly as ten working days from application. Opportunity Investment Capital commercial programs fund property financing refinancing and or other commercial real estate related needs. Opportunity Investment Capital is a direct lender/Broker with the capacity to understand unusual loans and circumstances. We know what is involved in making Commercial Loans, it's all we do. WE DO ALL the PROCESSING! Opportunity Investment Capital really does make Commercial Lending easy! Flexibility Your business is helping clients achieve their goals. Our business is helping you. Your success requires making deals happen for your clients, despite obstacles like uncertain cash flow or credit problems. So it's a tough situation when your valued clients or prospects need loans bankers can't approve.Now you can turn to Opportunity Investment Capital for help in solving these clients' problems. We specialize in business loans and commercial mortgages secured by many types of real estate. We underwrite "no income verification" loans, and will understand the needs of applicants who are self-employed.

Opportunity Investment Capital website now accepting online applications

In the spirit of helping real estate principals quickly determine who can help them, Opportunity Investment Capital has launched an online system that will provide make the process of finding help easier and faster. With the launch of Opportunity Investment Capital's new website, Real estate principals can quickly make their application online and count on a response within 12 business hours. In a time when loan covenants are coming due, banks are calling loans, and equity investments are at risk, Opportunity Investment Capital is pleased to offer this responsive customer service – which can add a degree of certainty and assurance to property owners who are otherwise subject to distress, fear, and uncertainty. Commercial Real Estate Principals can submit an application now on Opportunity Investment Capital's website.

Opportunity Investment Capital announces Second Fund CRE Capital Investors Fund B

Opportunity Investment Capital is pleased to announce the formation of Opportunity Investment Capital Investors Fund B. This fund is currently open and is projected to provide a capacity for up to 200M of credit enhancements. The goal of the fund is to generate returns for investors while providing a service that help principals to acquire and retain commercial real estate projects. "This second fund will build upon the concepts proven by our first fund to help many more property owners retain and expand upon their existing real estate investments" according to Opportunity Investment Capital's founder, Mr Billie Attaway, Jr.

Opportunity Investment Capital expands management team

Opportunity Investment Capital has added to its team to include several experienced real estate and entrepreneurial members.The Opportunity Investment Capital team now includes market builders and account managers in the Carolinas and the Washington DC metro region. Opportunity Investment Capital is planning to expand a presence across the entire mid-Atlantic and southeastern regions in the coming 18 months.

Opportunity Investment Capital Opens DC Metro Office

Opportunity Investment Capital now has a presence in the DC metro region, encompassing projects in Northern Virginia, Maryland, and the District of Columbia. Opportunity Investment Capital Principal, Michael Beirne, is heading up the office and is actively looking to build relationships with local bankers and commercial brokers. Opportunity Investment Capital is enthusiastic about the region and the opportunity for our services. The need for Opportunity Investment Capital in the region is huge, according to Mr. Beirne. "The high volumes of commercial projects in the region, combined with the temporary dynamics in the credit and banking markets, mean there are many deals that can benefit from CRE's credit enhancement services. Opportunity Investment Capital's focus on providing the best credit enhancement experience at a fair price should resonate throughout the region quite quickly."

Opportunity Investment Capital provides credit enhancement in Charleston

Opportunity Investment Capital provided a $550,000 credit enhancement in the Charleston, SC region which helped a property get the time needed to demonstrate the actual cash flows of their property for traditional financing sources, and the ability to quickly refinance the project at a lower cost within 90 days.