Fifty Stones Capital Group Closes $17M Refinance & Cash-Out Loan in Wyoming.

Dayton, OH — On February 26, 2024, Fifty Stones Capital Group successfully closed a $17 million refinance and cash-out loan secured by the properties at Wyoming Street and 244 Dover Street in Dayton, Ohio, overcoming structural title issues and complex ownership dynamics to deliver a creative financing solution under pressure.

This wasn’t just another refinance. It was a real-world problem requiring real-time problem-solving, one where the borrower wasn’t yet on title, yet needed to close fast to refinance $12.8 million in existing debt and access liquidity for the next phase of investment.

The initial ask came with a twist:The borrower, an experienced investor with a strong financial profile — was not listed on title. His sister held the title, though he had economic control. The deal needed to close quickly, the underlying debt was maturing, and a cash-out was necessary to fund upcoming acquisitions.

In traditional lending, this might’ve stalled the process indefinitely. But Fifty Stones Capital Group is anything but traditional.

Rather than walk away, Fifty Stones leaned in. A title modification plan was fast-tracked, allowing the borrower to be added to title before closing, aligning with underwriting standards. Simultaneously, underwriting and legal teams conducted due diligence on the asset, the borrower’s repayment history, and the economic structure, ensuring no time was wasted. The firm worked closely with the broker and borrower to structure a deal that reflected reality, not red tape. By running legal coordination and underwriting in parallel, the team compressed the timeline and eliminated weeks of typical friction, a hallmark of Fifty Stones' approach.

“When the fundamentals are sound, we find a way to get it done,” said Mark Shea, CEO at Fifty Stones Capital Group. “This borrower had experience, strong repayment history, and the right vision. Our job was to make sure the capital structure met them where they were.”

About Fifty Stones Capital Group

Fifty Stones Capital Group is a premier private real estate lender known for fast, structured financing across the U.S. Specializing in bridge loans, refinance solutions, and complex capital stacks, the firm partners with brokers and borrowers to close difficult deals quickly, without compromising on quality or discipline.