Real Estate

Welcome to RFS, your trusted private money lender. At RFS, we specialize in providing fast, flexible, and reliable financing solutions tailored to meet the needs of real estate investors and developers. Our mission is to empower your investment journey with our comprehensive loan programs designed for fix and flips, DSCR (Debt-Service Coverage Ratio), new construction, and multifamily projects. With our private label lending services, we can close in as little as 2 to 12 days on most transactions, ensuring you get the funding you need when you need it.

Our Loan Programs

Fix & Flip Loans

  • Loan to Cost (LTC): Up to 92.5%
  • Rehab Coverage: Up to 100% for 1 to 9 unit properties
  • Overview: Tailored for investors looking to renovate and sell properties for profit, our Fix & Flip loans cover a significant portion of the purchase and rehab costs, enabling you to maximize your investment potential.

Bridge Loans

  • LTC: Up to 80%
  • Loan Terms: From 13 to 24 months
  • Overview: Ideal for investors needing short-term financing to bridge the gap between purchasing a property and securing long-term financing, our Bridge loans offer the flexibility you need to move quickly on investment opportunities.

Ground-Up Construction Loans

  • LTC: Up to 85%
  • Verticals Coverage: Up to 100% for 1 to 9 unit properties
  • Overview: Designed for developers building from the ground up, our Construction loans provide substantial funding for both the land purchase and construction costs, ensuring your project gets off the ground without financial hurdles.

Rental Loans

  • Loan to Value (LTV): Up to 80%
  • DSCR Requirements: Low minimum
  • Loan Terms: Up to 30 years
  • Overview: Our Rental loans are perfect for investors aiming to expand their rental portfolio. With competitive LTV ratios and low DSCR requirements, we make long-term financing accessible, supporting your strategy to generate steady rental income.

Why Choose RFS?

  • Speed: Close in 2 to 12 days on most transactions.
  • Flexibility: Diverse loan programs to fit a wide range of investment strategies.
  • Expertise: Deep understanding of the real estate market and investment needs.
  • Support: Dedicated team to guide you through the loan process, ensuring a smooth and efficient experience.

At RFS, we’re committed to helping you achieve your real estate investment goals with our fast, flexible, and reliable financing solutions. Contact us today to learn how we can support your next project.