RBI Mortgages is a direct private/hard money lender for investment real estate in Florida and New York. We will consider residential investment properties, land, and many types of commercial real estate. We close fast and don’t charge pre-payment penalties. Many of our clients are foreign nationals.

  • LTV for purchase and refinance bridge loans: up to 65%
  • LTV for land purchase and refinance: up to 55%
  • LTC for rehab fix & flip: up to 90% of purchase, 100% of rehab costs
    • ARV up to 75%

Property Geographic Area Details

Florida, New York and Texas

Loan Amounts

$75,000 to $10,000,000

Interest Rates

7.99% to 10.75%

Max Loan-To-Value


Max Loan-To-Cost


Origination Fees

1% to 3%

Loan Terms

6 months to 24 months

Lien Position

  • 1st

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%

Property Types and Loan Types

Collateral Types

  • Residential Property
  • Commercial Property

Property Types

  • 2-4 Units Residential
  • Adult Day Care
  • Assisted Living Facility
  • Auto Dealership
  • Bed and Breakfast
  • Car Wash
  • Cinema
  • Commercial Condominium
  • Community Center
  • Condominium
  • Event Center
  • Gas Station
  • Hospital
  • Hostel
  • Hotel
  • Industrial
  • Manufactured Home
  • Mixed-Use
  • Mobile Home
  • Motel
  • Multifamily
  • Office
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • Recreational
  • Rehabilitation Facility
  • Residential Land
  • Retail
  • School
  • Senior Housing
  • Single Family Residence
  • Sports Facility
  • Storage Facility
  • Student Housing
  • Theater

Loan Types

  • Private Money
  • Hard Money
  • Commercial Bridge
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent

Land Loan

Land Types Considered

  • Residential Land
  • Multifamily Land
  • Industrial Land
  • Office Land
  • Retail Land
  • Covered Land

Will Consider Land That is NOT Entitled


Existing Land Improvements Required

  • Street Access
  • Electricity
  • Gas
  • Communication
  • Residential Structure
  • Commercial Structure

Max LTV for Land


Max LTC for Land Acquisition


Purchase Loan

Max Loan-To-Purchase Price


Borrower Must Have Property Under Contract


Will Provide Proof of Funds Letter


Will Consider Lending on Purchase from Auction


Allowed Source of Borrower’s Equity

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

Rehab Value Add Loan

Experience Required


Minimum Number of Value-Add Projects Completed by Borrower


Will Provide Funds for Renovation Costs


Max LTC for Renovation Costs


Maximum After Repair Value


Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Works With

  • Brokers
  • Borrowers

Payment Structure

  • Interest Only

Pre Payment Penalty


Will lend to a foreign national


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


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


Borrower Entity Types Considered

  • LLC
  • Limited Partnership
  • Trust
  • Corporation

Documentation Required

  • Credit Report
  • Bank Statements
  • Loan Application

Personal Guaranty (Recourse) Required


Credit Check Required


Minimum Credit Score Required


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

Appraisal Required for Commercial Property

Always Before Funding

Broker Price Opinion (BPO) Accepted for Residential Property


Broker Price Opinion (BPO) Accepted for Commercial Property



Deposit Required

$1,500.00 to $1,500.00

Underwriting Fee

$1,500.00 to $1,500.00

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 charged upfront prior to loan closing

  • Underwriting Fee

Fees which are paid to a third party company

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

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.

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 Mortgages 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


NMLS ID 1473501

Company Size (Number of Employees)


Year Established


Office Locations

RBI Mortgages
1920 E Hallandale Blvd, Suite 705, Hallandale Beach, Florida 33009

Primary Capital Source

  • Own Funds
  • Friends & Family

Alternative Capital Sources

  • Individual Investors
  • Asset Management Companies

Loan Structure for Majority of Loans

  • Own Balance Sheet

Alternative Loan Structures

  • Own Balance Sheet
  • Table Funding with Capital Partner

Percentage of company’s lending business focused on private mortgage


Company’s Other Business Activities Besides Private Mortgage Lending

  • Commercial Mortgage Banking
  • Residential Mortgage Brokerage
  • Business Finance

Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Residential Property


Percentage of Residential Property Loans Which are Buy and Hold


Percentage of Loans Secured by Land


Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


2017 Number of Loans Funded


2017 Loan Volume Funded


Ernesto Rostoker


Andres Saias

Vice President

Alejandro Rostoker

Vice President

Yohanna Torres

Accounting Specialist

Completed Transactions

Loan Request

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.


At the end of the form you can enter the additional properties.

(temp use, storage, billboard, parking, etc.)


Requested loan amount divided by the purchase price + rehab/construction costs


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


(temp use, storage, billboard, parking, etc.)


Requested loan amount divided by the purchase price + rehab/construction costs


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


how will the loan be paid off?


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