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Rehab Financial Group

Rehab Financial Group

Rehab Financial Group is a local private lender specializing in fast, reliable fix-and-flip bridge loans, new construction, and short-term bridge loans.
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Rehab Financial Group

1062 E Lancaster Ave, Ste 15C, Rosemont, Pennsylvania 19010
(484) 486-8016
RFGPLL@rehabfinancial.com
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Vetted Provider

This vendor has been evaluated and confirmed as active, reputable, and qualified to lend.

About

$500M+
Capital Deployed
2010
Year Founded
Rehab Financial Group, LP is a Rosemont, Pennsylvania-based private lender founded in 2010, specializing in secured first lien loans for residential real estate investors in 18 states. RFG's flagship product is their 100% financing fix-and-flip program - funding 100% of purchase price and 100% of rehab costs up to 75% ARV - with no down payment required and no income verification. With 50+ years of combined real estate and lending experience and a same-day approval process, RFG focuses exclusively on residential investment properties using their own balance sheet capital. Common-sense underwriting evaluates the borrower's full financial picture rather than rigid formulas, helping financially responsible investors close quickly on reasonably-priced properties.

Where They Lend

Regional
18 States
Rehab Financial Group lends in 18 states: Alabama, Connecticut, Delaware, Florida, Georgia, Indiana, Kentucky, Massachusetts, Maryland, Missouri, North Carolina, New Jersey, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, and Virginia. No land loans, owner-occupied homes, commercial properties, or rural areas.

Loan Types, Structures and Terms

$100,000 to $1,500,000
Typical Loan Amounts
9 to 12 Months
Typical Terms
11.25% to 12.75%
Typical Interest Rates
2% to 3%
Typical Points
Rehab Financial Group lends 100% of purchase and 100% of rehab costs on fix-and-flip up to 75% ARV. Construction: 90% LTC cap, up to 70% ACV. Multifamily bridge: 85% LTP, 100% rehab, 65% ARV. No down payment required on the fix-and-flip program. 650+ FICO minimum across all programs.
Fix-and-Flip
New Construction
Short-Term Bridge
Rehab Financial Group fix-and-flip loans fund 100% of purchase and rehab costs on 1-4 unit residential properties up to 75% ARV with no down payment, no income verification, same-day approval, and funding in 5 to 10 business days.
Fix & Flip FeatureStructure & Terms
Project Types1-4 unit residential: SFR, condos, 2-4 units, mixed-use. 100% financing for purchase and rehab costs. No owner-occupied. No land. No commercial properties. No rural areas. Vacant properties only. Fix-to-flip and fix-to-rent (BRRRR) strategies supported.
Loan Limits & Terms$100,000 to $1,250,000 | Term: 9 months with 3-month optional extension (extension fees apply) | Interest-only, first-lien | No prepayment penalty | No application fee | Same-day approval
Rates & FeesRates 11.25% to 12.75% | Origination 2% to 3% (as low as 2.0% for returning borrowers) | Interest charged on entire total project costs from day of closing | Liquidity required: $15,000 or 25% of rehab budget (whichever is greater) plus closing costs
Leverage (LTC/ARV)100% of purchase price | 100% of rehab budget | Max 65% ARV (650+ FICO, no prior projects) | Max 70% ARV (700+ FICO) | Max 75% ARV (700+ FICO, 1-4 units, 1 prior project with RFG or 3 with another lender) | Personal guaranty always required
Structural Advantages100% financing - no down payment required. No income verification. Same-day approval. Fund in 5 to 10 business days. No application fee. No prepayment penalty. Proof of funds letters available. Auction purchases accepted. 2-day draw turnaround. Common-sense underwriting using full financial picture.
Rehab Financial Group ground-up construction loans fund 1-4 family residential new builds at 90% LTC and up to 70% ACV with interest as drawn for the first 6 months, requiring 3 prior projects and all entitlements in place.
Construction FeatureStructure & Terms
Project TypesGround-up new construction of 1-4 family residential properties. Infill single-family spec builds. Land must have all entitlements in place. No partially completed projects considered. No owner-occupied. No commercial. No rural areas.
Loan Limits & Terms$100,000 to $1,500,000 | Term: 12 months with two 3-month extensions (extension fees apply) | Interest as drawn (IAD) for first 6 months | Interest-only, first-lien | No prepayment penalty
Leverage (LTC/ACV)90% LTC cap | Max 65% ACV (FICO 650-699) | Max 70% ACV (FICO 700+) | Finance up to 70% of land purchase price | Liquidity: $15,000 or 25% of construction budget (whichever is greater) plus closing costs
Experience RequiredMinimum 3 completed projects required: 3 ground-up construction projects, OR 3 fix-and-flips with at least 1 large rehab comparable in scope to ground-up construction. Experienced 1-4 family builders may qualify for land purchase price refund up to 70%.
Structural AdvantagesInterest as drawn for first 6 months - no interest on undrawn construction funds early in the project. Same-day approval. Fund in 5 to 10 business days. 2-day draw turnaround. No prepayment penalty. Appraisal always required. Personal guaranty required.
Rehab Financial Group multifamily bridge loans fund value-add acquisition and rehab on 5-10 unit metro properties at up to 85% LTP and 65% ARV with no cash-out, requiring 3 prior projects and local market experience.
Bridge Loan FeatureStructure & Terms
Use CasesValue-add acquisition and rehab bridge on multifamily investment properties (5-10 units). Refinance and rehab only - no cash-out. No SROs, no condos, no assisted living, no short-term rentals. Metro areas only - no rural. No vacancy or abandoned properties nearby. No blight areas.
Property TypesMultifamily 5-10 units only. Minimum 500 sq ft per unit. Minimum value: $35,000 per unit. Metro market focus. Max 20% vacancy accepted - higher vacancy not considered. Current certified rent roll (no older than 45 days) required. Market rents used for DSCR qualification.
Loan Limits & Terms$100,000 to $1,250,000 | Term: 9 months with 3-month extension | Interest-only, first-lien | No prepayment penalty | Min DSCR: 1.20 from market rents | 700+ FICO required
Leverage (LTP/ARV)Max 85% LTP on purchase | 100% of rehab budget | Max 65% ARV | Fixed expenses: management 5%, maintenance 3%, reserves 2%, plus taxes, insurance, and 5% vacancy | Liquidity: $15,000 or 25% of rehab budget (whichever is greater) plus closing costs
Experience RequiredMinimum 3 prior projects required (1 must be multifamily within 3 years). Local market experience required. Full documentation: seller financials, certified rent roll, commercial leases, and 20% of residential leases. No new borrowers. Personal guaranty always required.

Borrower Qualifications (Are you qualified?)

Rehab Financial Group qualifies borrowers on the asset's value and rehab potential rather than personal income - no income verification required on any program. First-time investors are accepted on the fix-and-flip program with a 650+ FICO score, with higher leverage tiers unlocked through demonstrated project experience.
Qualification ParameterLender Requirements
Experience LevelsNo Experience Required for Fix-and-Flip. 0 prior projects accepted on the standard rehab program. Higher leverage (75% ARV) unlocked with 1 completed project with RFG or 3 completed projects with another lender. Ground-up construction requires minimum 3 completed projects. Multifamily requires 3 prior projects including 1 multifamily within 3 years.
Credit RequirementMinimum 650 FICO Required. 650-699 FICO: max 65% ARV (fix-and-flip) or 65% ACV (construction). 700+ FICO: max 70% ARV or 70% ACV. 75% ARV available with 700+ FICO plus prior project experience. No bankruptcy or foreclosures in the past 2 years. Co-borrower must be invested in the project.
Income VerificationNo Income Verification Required. Qualifying is asset-based - personal debt-to-income ratios are not evaluated. Credit report, bank statements (3 months), and financial statements required. No W-2s or tax returns.
Entity RequirementIndividuals, LLC, LP, Corporation, and Self-Directed IRA all accepted. Personal guaranty always required. No foreign nationals. No junior liens behind RFG's senior mortgage. Liquidity required: $15,000 or 25% of rehab/construction budget (whichever is greater) plus closing costs.

Underwriting Process (How long will it take to get approved?)

RFG uses common-sense underwriting reviewing the borrower's full financial picture rather than rigid formulas. Same-day approval with funding in 5 to 10 business days. No income verification. Full appraisal always required before funding. Minimum 650 FICO. No bankruptcy or foreclosures in past 2 years.
Stage / RequirementProcess & Timelines
Initial ReviewSubmit completed application (with releases), business entity documents, executed purchase agreement, 3 months bank statements (business and personal), copy of driver's license, and itemized repair list. No W-2s or tax returns required. Same-day approval on qualified submissions.
Property ValuationFull appraisal always required before funding. BPO never accepted on any program. RFG uses full appraisals to establish ARV for fix-and-flip and ACV for ground-up construction. Property does not need to be under contract to apply.
Speed to CloseFunding delivered in 5 to 10 business days after approval. Same-day approval available on qualified files. Proof of funds letters available for purchase transactions. Auction purchases accepted.
Document ChecklistCompleted application with releases. Business entity documents naming authorized signers. Executed agreement of sale. 3 months most recent bank statements (business and personal). Copy of driver's license. Itemized list of repairs. Liquidity verification: $15,000 or 25% of rehab budget (whichever is greater) plus closing costs.

Draw Process (How long will it take to get draws?)

Rehab Financial Group processes draws in-house with a 2-day turnaround. Flexible draw schedules are a key differentiator - RFG works with investors to make sure contractors get paid on time and projects keep moving. Use your FlipperForce project schedule to plan draw requests around the 2-day funding cycle.
Operational StepMethodology & Timelines
Draw SystemFlexible draw schedule. RFG works with borrowers to structure draw releases around project phases and contractor payment schedules. Interest is charged on the entire amount of total project costs from closing.
Inspection MethodAppraisal always required before funding. BPO never accepted - full appraisal required on all residential properties. RFG coordinates inspections in-house to maintain timeline control and draw release speed.
Funding TurnaroundDraws typically funded within 2 days of submission. Build your FlipperForce project schedule with the 2-day draw cycle in mind to ensure contractor momentum and prevent costly project delays.
Draw FeesNo published per-draw fee. Document fees vary by attorney vs. non-attorney state. Extension fee: 1 point on the original loan amount (per extension period). No prepayment penalty on any program.