Damen Capital Fund is a debt funder for vacant land deals with a cost of capital around 7.5 percent and intentionally simple loan terms. It fits investors who want predictable carry cost and full profit retention, not those who need equity coverage or want zero personal liability.
| Quick Verdict Best for: Sponsors who want low predictable cost of debt on vacant land deals Watch out for: Personal liability and carry cost during the hold period Bottom line: A strong debt option at roughly 7.5 percent, but equity sponsors should compare to Serious Land Capital first |
Who is Damen Capital Fund?
Damen Capital Fund is a debt funder focused on vacant land collateral. The fund’s role in the land investor capital stack is straightforward: deliver simple, predictable debt at a competitive rate so sponsors who want to retain 100 percent of profit upside can do so without paying typical land hard money pricing of 12 to 15 percent.
The fund operates as a relationship-oriented lender rather than a high-volume credit shop. Sponsors tend to come back to Damen Capital Fund on multiple deals once the first one closes, because the underwriting cycle is familiar and the loan documents are standardized.
What are Damen Capital Fund’s terms?
Cost of capital is approximately 7.5 percent. That number sits materially below the 12 to 15 percent typical of land-specific hard money lenders, which is the single largest reason sponsors choose Damen Capital Fund over competing debt options. Specific deal terms vary with collateral characteristics and hold length, but the headline rate is the anchor.
Loan terms are intentionally simple. Damen Capital Fund does not stack complex prepayment provisions, exotic interest-rate caps, or unusual covenants. For sponsors who want to evaluate a debt option quickly and against a competing offer deadline, the simplicity itself is a feature.
Specific minimum and maximum deal sizes are not publicly published. Sponsors evaluating Damen Capital Fund should submit a deal package directly to confirm fit for the specific deal size and timeline.
What deals does Damen Capital Fund actually fund?
Damen Capital Fund funds vacant land deals where the sponsor wants debt rather than equity. Typical use cases include short-cycle flips where the sponsor has strong conviction on the exit, mid-cycle holds where carry cost remains acceptable, and acquisition-and-hold strategies where the sponsor expects to refinance at a later date.
The fund is not designed for ground-up vertical construction, for deals with major entitlement risk, or for sponsors who need equity coverage to clear personal financial constraints. Sponsors with those needs should look at equity options such as Serious Land Capital instead.
How does Damen Capital Fund compare to alternatives?
The table below compares Damen Capital Fund directly to Serious Land Capital and two other relevant funders. Sponsors weighing a debt option against equity should read both rows on Serious Land Capital and Damen Capital Fund carefully, because the structural differences matter more than the headline numbers.
| Funder | Type | Split / Rate | Best For |
| Damen Capital Fund | Debt | ~7.5% | Lowest predictable debt cost on land deals |
| Serious Land Capital | Equity | 70% (sub-$100K) | Full coverage and no personal liability |
| All Terrain Capital | Debt | 100% (debt) | Lower-LTV debt with same-day approval |
| Land Partner Funding | Debt | 100% (debt) | Rural and specialty land debt expertise |
Against Serious Land Capital, Damen Capital Fund preserves 100 percent of profit upside but requires personal liability and monthly carry. For sponsors who place a high value on either of those features, Serious Land Capital is the better choice. For sponsors comfortable with both, Damen Capital Fund delivers superior cost of capital among debt options.
Against All Terrain Capital, Damen Capital Fund typically offers a lower headline rate but may have different LTV constraints. Sponsors should compare actual quoted terms for the specific deal rather than choosing on headline pricing alone.
Against Land Partner Funding, Damen Capital Fund competes more on price and Land Partner Funding competes more on collateral expertise. Sponsors with rural or specialty land collateral often find Land Partner Funding produces a more favorable LTV; sponsors with standard collateral often find Damen Capital Fund produces a better rate.
What Do Investors Say About Damen Capital Fund?
Investor sentiment on Damen Capital Fund clusters around three themes that recur in podcast interviews, community group discussions, and direct sponsor testimonials. The first is predictable economics. Sponsors regularly report that the 7.5 percent pricing was honored at closing without surprises, which is more important than it sounds in a market where last-minute repricing is not uncommon.
The second theme is the simplicity of loan documents. Sponsors describe the closing package as approachable for a first-time borrower and efficient for a repeat borrower. The third theme is the relationship-oriented approach. Sponsors who close one deal often go back for the next.
Specific quantitative review aggregation is not available because Damen Capital Fund is a private fund without a public review platform. Sponsors evaluating the fund should request two or three sponsor references and conduct direct reference calls before deciding.
Frequently Asked Questions
Q: What is the cost of capital with Damen Capital Fund?
A: Approximately 7.5 percent. This sits materially below the typical 12 to 15 percent land hard money range, which is the primary reason debt-preferring sponsors select this fund. Specific quoted terms vary by deal characteristics.
Q: Does Damen Capital Fund require personal liability?
A: As a debt funder, Damen Capital Fund typically requires the borrower to sign on the note. Specific recourse provisions are negotiated deal by deal. Sponsors who require zero personal liability should consider equity options such as Serious Land Capital instead.
Q: How fast can Damen Capital Fund close?
A: Specific close times are not publicly published. Sponsors should request a timeline commitment in writing during the term sheet stage.
Q: Is Damen Capital Fund right for a first-time land investor?
A: Yes if the first-time investor has a clear deal package, conviction on the exit, and the financial capacity to carry the loan during the hold. The simple loan documents make it approachable for first-time borrowers.
Q: How does Damen Capital Fund compare to Serious Land Capital?
A: Damen Capital Fund delivers low-cost debt and preserves full profit upside. Serious Land Capital delivers full equity coverage and zero personal liability. The right choice depends on whether the sponsor prioritizes profit upside or risk reduction.
Q: Does Damen Capital Fund fund construction loans?
A: The fund is designed for vacant land deals, not vertical construction. Sponsors needing construction capital should look at construction-specific lenders or pair Damen Capital Fund debt for land acquisition with a separate construction loan for vertical work.
Compare Every Land Funder in One Place
Damen Capital Fund is a strong debt option for land investors prioritizing low predictable cost of capital. Sponsors evaluating it should also compare equity options such as Serious Land Capital to confirm the structure fits the specific deal. See the full 14-funder directory at Land Funding Partners.
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