Direct Private Lender for Residential Real Estate Investors

Purchase and Refinance Loans Only – Up to 75% LTV

RBI Private Lending is a direct private/hard money lender for investment real estate in Florida, New York and Texas. We will consider residential investment properties including condos, single family homes and 2-4 units. We close fast and don’t charge pre-payment penalties. Many of our clients are foreign nationals.

Please note: We do not offer loans for owner-occupied homes.

Property Geographic Area Details
Florida, New York, Texas
Loan Amounts
$75,000 to $5,000,000
Interest Rates
9% to 12%
Loan Terms
6 months to 24 months
Origination Fees
1% to 3%
Lien Position
1st
Collateral Types
  • Residential Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Invest in a Business
  • Business Working Capital
  • Development Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%

Maximum Leverage

Purchase Short-Term (no Value-Add):
Max LTP Residential: 80%
Max LTP Multifamily: 70%
Max LTP Commercial: 65%
Max LTP Land: 50%
Purchase Long-Term
Max LTP Residential: 85%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 65%
Max LTV 1st Lien Multifamily: 60%
Max LTV 1st Lien Commercial: 55%
Max LTV 1st Lien Land: 50%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 65%
Max LTV 1st Lien Multifamily: 60%
Max LTV 1st Lien Commercial: 55%
Max LTV 1st Lien Land: 50%
Refinance Long-Term
Max LTV Residential: 75%
Residential Fix & Flip
Max LTP: 85%
Max LTC: 85%
Max LTARV: 70%
Residential Rehab & Hold
Max LTP: 85%
Max LTC: 85%
Max LTARV: 70%
Multifamily Value-Add
Max LTP: 70%
Max LTC: 70%
Max LTARV: 60%
Residential Construction
Max LTC: 80%
Max LTCV: 70%
Multifamily Construction
Max LTC: 70%
Max LTCV: 60%

Property Types

  • 2-4 Units Residential
  • Condominium
  • Portfolio of Residential Properties
  • Single Family Residence

Loan Types

25% minimum cash required for standard bridge purchase loans. 20% cash required for a rehab/flip project.

Max Loan-to-Purchase Price

80%

Borrower Must Have Property Under Contract

yes

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

yes

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property
  • Equity in Another Investment Property

Appraisal Fee

Depends on property.

Environmental Report Fee

Depends if is needed.

Fees which are mandatory for all new borrower clients

  • Deposit
  • Underwriting Fee
  • Legal Fee
  • Settlement Fee
  • Appraisal Fee
  • Escrow Fee
  • Title Fee

Fees which are paid to a third party company

  • Settlement Fee
  • Appraisal Fee
  • Escrow Fee
  • Title Fee
  • Environmental Report Fee

Details and Requirements

Typical Closing Time (Days)

10

Fastest Closing Time (Days)

5

Payment Structure
  • Interest Only
Pre Payment Penalty

no

Will lend to a foreign national

yes

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

no

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
Documentation Required
  • Credit Report
  • Bank Statements
  • Loan Application
Personal Guaranty (Recourse) Required
Always
Credit Check Required

yes

Minimum Credit Score Required

620

Credit Check Description

If borrower has credit in the US. We can also accept foreign nationals without credit history but need to provide bank statements to show capacity to pay.

Appraisal Required for Residential Property

Always Before Funding

Broker Price Opinion (BPO) Accepted for Residential Property

Never

Get In Touch

RBI Private Lending pays us to be listed, so there is no fee to connect with them directly. Share your loan request, send a simple email, call, or visit their website.
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Our team is composed of experienced individuals who will provide financial services tailored to your needs. After years of experience in the industry, we are confident that we will accomplish your goals by delivering to you an approval in less than 48 hours while we give you the attention you deserve.

Mission
Knowing our clients is one of the key element in the process of lending. RBI believes that transparency is a fundamental factor to achieve customer satisfaction. By providing highly competitive products with an outstanding personalized service, RBI Private Lending will gain the confidence of individuals seeking private Real Estate loan.

Why Us?

  • Instant offer, fast approval
  • Low rates, competitive and flexible terms tailored to needs
  • High quality customer service
  • Diverse paying methods, including automatic payments (ACH)
  • No prepayment penalty
License

NMLS ID 1473501

Company Size (Number of Employees)

10

Year Established

2016

Office Locations

RBI Private Lending
19495 Biscayne Blvd Ste 801 , Miami, Florida 33180

Primary Capital Source
  • Own Funds
  • Debt Fund We Manage
  • Bank Credit Line
  • Private Equity Funds
  • Friends & Family
Alternative Capital Sources
  • Individual Investors
  • Asset Management Companies
Loan Structure for Majority of Loans
  • Own Balance Sheet
Percentage of Loans Secured by Commercial Property

15%

Percentage of Loans Secured by Residential Property

85%

Total Number of Loans Funded to Date

150

Total Loan Volume Funded to Date

$50,000,000

Our Team

Ernesto Rostoker

President

Andres Saias

Vice President

Alejandro Rostoker

Vice President

Yohanna Torres

Accounting Specialist

Get In Touch

RBI Private Lending pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.
Contact COMPANY

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
SUBSCRIBE
subscribe-illustration

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BEFORE YOU CONTACT THIS LENDER

Our Minimum Loan Amount Is

$75,000

What We Do

  • Residential Investment Deals in FL, NY, TX
  • Purchase & Refi Bridge, Fix & Flip
  • LTV up to 75%, LTC up to 80/100 for Flips
  • 20% Cash Required for Flip Projects
  • Foreign Nationals Welcome

Not Available

  • NO Owner-Occupied Homes
  • NO 100% Financing
  • NO Land Loans
  • NO Commercial Properties
  • NO 2nd Mortgages or Gap Loans

Send an email to RBI Private Lending