Private Lending
RFH Capital Partners (“RFHCAP”) is a Black-owned hard money lender — and an affiliated company of RFH Capital Advisors ("RFHCA") — that provides short-term loans to select clients of RFHCA who are looking to acquire, renovate, or construct, investment real estate properties.
Hard Money Loan Terms
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Experience
Any
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Points
2% - 4%
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Interest Rate
10% - 15%
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Maximum ARV
70%
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Maximum LTC
80%
Our Services
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Fix & Flips Loans
Purchase and rehab of 1 -4 Family Properties
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Transactional Funding
A-to-B, then B-C; and Double Closing Financing
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Rental Property Loans
Refinance of Income Producing Rental Properties
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Cash Out Refinance
Cash Out or Refinance of 1 - 4 Family Properties
Fix & Flip Loans
Our fix and flip loans allow real estate investors to build their portfolios by submitting competitive cash offers to acquire, improve, and rent then refinance, or resell real property.
Typically, our fix and flip loans will finance up to 70% of the purchase price or after-repaired-value (“ARV”) and have loan terms of one year, or less.
The initial draw is calculated based on the as-is value of the property and the renovation budget will be advanced in construction draws.
Transactional Funding
Our transactional funding loan allows real estate investors to purchase properties—significantly below the property’s fair market value—then immediately resell the property to another real estate investor, for a significant gain.
Typically, our transactional funding loans have a loan term of seven days or less, and we will finance the entire purchase price of the property—as long as the property is acquired at 70%, or less, of the property’s appraised value.
Underwriting is heavily weighted on the property’s appraised value and the property’s resell price.
Two purchase and sale agreements (“PSA”) are required. The purchase and sale agreement for the initial acquisition of the property and the purchase and sale agreement for the subsequent resell of the property.
Investors typically use transactional funding when the contract is non-assignable or when the investor does not want to disclose their expected profit to the initial seller of the property, or the subsequent buyer.
No personal income verification is required.
Rental Property Loans
Our rental property loans provide funding for buy-and-hold investors who want to start or expand their rental investment portfolio.
Typically, these rental properties do not require capital improvements and the real estate investor is looking for a long-term solution, at an attractive rate.
Underwriting is heavily weighted on the DSCR (Debt-Service Coverage Ratio) and not the individual's DTI (Debt to Income), and no personal income verification is required.
Cash Out Refinance
Our cash out refinance loan allows real estate investors to access the equity of their rental property to consolidate debt, invest in other properties, buy out their partners, or increase their cash reserves.
Typically, our cash refinance loans have a loan term of one year, or less; and have a loan-to-value (“LTV”) ratio of 50% of the appraised value.
Underwriting is heavily weighted on the property’s appraised value and not the individual’s debt to income (“DTI”) ratio and no personal income verification is required.