RBI Private Lending fix-and-flip loans fund up to $5,000,000 at up to 95% LTC / 75% ARV for experienced investors. Rates from 8.5%, non-Dutch interest on drawn amounts only, 6-18 month terms, no prepayment penalty. 10-15 day close.
| Fix & Flip Feature | Structure & Terms |
|---|
| Loan Amount | Up to $5,000,000 |
| Leverage (Experienced) | The lesser of 95% LTC or 75% ARV |
| Leverage (First-Time) | The lesser of 90% LTC or 65% ARV |
| Interest Rate | Starting at 8.5% | Interest-only | Non-Dutch (interest on drawn amount only) |
| Origination / Fees | 1-2% origination | $1,500 underwriting | $250 per draw | $500-$950 appraisal | 1% title approx. |
| Loan Term | 6 to 18 months | No prepayment penalty |
| Property Types | SFR, condos, 2-4 units, multifamily, townhouses. Other types case-by-case. |
| Close Time | 10-15 business days typical |
RBI Private Lending construction loans fund up to $5,000,000 at up to 95% LTC / 75% of after-completed value for experienced investors. Rates from 8.75%, non-Dutch interest, 12-24 month terms, no prepayment penalty. Dedicated draws department with feasibility review at origination.
| Construction Feature | Structure & Terms |
|---|
| Loan Amount | Up to $5,000,000 |
| Leverage (Experienced) | The lesser of 95% LTC or 75% of after-completed value |
| Leverage (Inexperienced) | The lesser of 75% LTC or 65% of after-completed value |
| Interest Rate | Starting at 8.75% | Interest-only | Non-Dutch (interest on drawn amount only) |
| Origination / Fees | 1-2% origination | $1,500 underwriting | $300 per draw | $650-$1,200 feasibility/contractors report | $500-$950 appraisal |
| Loan Term | 12 to 24 months | No prepayment penalty |
| Property Types | SFR, condos, 2-4 units, multifamily, townhouses. Ground-up and renovation construction. Expanding multi-home development program. |
| Contractor Required | Licensed contractor required. Contractor information submitted as part of the loan application package. |
RBI Private Lending DSCR rental loans fund up to $3,000,000 at up to 80% LTV with rates from 5.5%. 30-year fixed, 15-year fixed, and ARM options. Qualifying based on property cash flow, not borrower DTI. Foreign nationals accepted.
| Rental DSCR Feature | Structure & Terms |
|---|
| Max Loan Amount | Up to $3,000,000 |
| Max LTV | Up to 80% LTV |
| Starting Rate | From 5.5% |
| Loan Products | 5/6 ARM, 7/6 ARM, 15-Year Fixed, 30-Year Fixed | P&I or interest-only options |
| Qualification | DSCR-based underwriting - weighted on property cash flow (DSCR), not borrower personal DTI. No W-2s or tax returns required. |
| BRRRR Strategy | Pair RBI's fix-and-flip bridge with the DSCR rental product for a full BRRRR cycle. Use FlipperForce's BRRRR Analyzer to model the projected DSCR and cash-on-cash return before committing to the bridge loan. |
RBI Private Lending bridge loans cover residential acquisitions, refinances, and transitional holds with interest-only, non-Dutch interest structures nationwide. Competitive proposal within 48 hours. Foreign nationals accepted with US entity.
| Bridge Loan Feature | Structure & Terms |
|---|
| Use Cases | Residential acquisitions, refinances, transitional holds, BRRRR fix-to-rent acquisitions, and bridge-to-DSCR exits nationwide |
| Interest Type | Non-Dutch interest - charged only on drawn amounts, not full committed balance |
| Payment Structure | Interest only with balloon at maturity | No prepayment penalty |
| Proposal Speed | Competitive proposal within 48 hours of application submission |
| Foreign Nationals | Accepted with a US entity, US bank account, and designated service-of-process agent |
| Kosher Option | Heter Iska compliant bridge loans available for observant Jewish borrowers under RBI's Kosher lending program |
