Your Premier Real Estate Partners​

Real Property Investment Partners (RPIP) is a leading direct lender in the Mid Atlantic seaboard. We specialize in financing residential investment  property deals. We pride ourselves on our quick and simple process – often closing deals in just 3 days.

No appraisals required. We will do our own in-house valuation.

  • Purchase Bridge Loans
  • Refinance Bridge Loans
  • Rehab Fix & Flip
  • Rehab & Hold

Please note: We do NOT consider owner-occupied properties, land or commercial real estate.

Property Geographic Area Details
Maryland (we love Baltimore), Washington DC, Virginia, Delaware, Cincinnati, New Jersey
Loan Amounts
$75,000 to $2,000,000
Interest Rates
8.5% to 12%
Loan Terms
6 months to 15 months
Origination Fees
1.5% to 3%
Lien Position
1st
Collateral Types
  • Residential Property
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
Property Occupancy
  • Vacant
  • Tenant Occupied 100%

Maximum Leverage

Purchase Short-Term (no Value-Add):
Max LTP Residential: 70%
Max LTP Multifamily: 70%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 70%
Max LTV 1st Lien Multifamily: 70%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 70%
Max LTV 1st Lien Multifamily: 70%
Residential Fix & Flip
Max LTP: 90%
Max LTC: 90%
Max LTARV: 70%
Residential Rehab & Hold
Max LTP: 90%
Max LTC: 90%
Max LTARV: 70%
Multifamily Value-Add
Max LTP: 85%
Max LTC: 85%
Max LTARV: 70%

General Loan Parameters

Loan-to-Cost
RPIP Funds up to 85% (90% on an exception basis) of the total budget required for the purchase and renovation

Loan-to-Value
RPIP Funds up to 85% of the as-is value at purchase and 70% of the After-Repair Value of the completed project

Underwriting
RPIP takes a two-step approach when underwriting lending opportunities:

  1. RPIP conducts an internal valuation analysis to determine property values and profitability by running through multiple comparable scenarios
  2. Once approved internally, RPIP orders a Richer Values valuation report- an innovative 3rd party valuation group that utilizes AI to deliver the fastest, most advanced way to analyze residential property

Portfolio Management
Once renovation progress has been made, borrowers can request a construction draw. RPIP utilizes an inspection to review and produce a report confirming completed progress and project feasibility.

RPIP is committed to a quick turnaround time and will engage inspectors depending on fastest turnover time.

Sponsorship Criteria
Quality borrowers should have the experience and financial resources to perform with respect to the underlying loan collateral.

RPIP takes an in-depth look at the borrower’s experience and execution in fix and flipping properties inc. level of work, profitability, and value creation.

RPIP pulls a soft credit report.  This includes your credit score, loans, and lines of credit as well as their payment history and any collections accounts, tax liens, or other public records in the borrower’s name. A minimum credit score of 600 is required to apply.

Property Types

  • 2-4 Units Residential
  • Multifamily
  • Single Family Residence

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent
We'll go up to 90% LTP for rehab projects. For stabilized rentals, the maximum LTP is 70%.

Max Loan-to-Purchase Price

90%

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
  • Gap Lender
  • Crowdfunding
  • Family
We manage the draws internally, which allows us to do it in a fraction of the time. The typical turnaround is 1-2 days.

Experience Required

no

Minimum Number of Value-Add Projects Completed by Borrower

0

Will Provide Funds for Renovation Costs

no

Max LTC for Renovation Costs

100%

Deposit Required

$250 deposit for us to start the process and connect with title

Legal Fee

$850 legal fee. For us its an all in composing fee that covers other out of pocket expenses surrounding the deal

Extension Fee

If they finish their term we do charge an extension fee. 1 or 2 %

Minimum Origination Fee Amount

$2,000

Fees which are mandatory for all new borrower clients

  • Deposit
  • Legal Fee
  • Extension Fee

Fees which are paid to a third party company

  • Title Fee

Details and Requirements

Typical Closing Time (Days)

7

Fastest Closing Time (Days)

2

Payment Structure
  • Interest Only
Pre Payment Penalty

no

Will lend to a foreign national

no

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

no

Will Consider Collateralizing Multiple Properties in One Loan

no

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered
    Documentation Required
    • Bank Statements
    Personal Guaranty (Recourse) Required
    Always
    Credit Check Required

    yes

    Minimum Credit Score Required

    600

    Credit Check Description

    We do a soft credit pull on all our new borrowers.

    Appraisal Required for Residential Property

    Never

    Appraisal Required for Commercial Property

    Always

    Broker Price Opinion (BPO) Accepted for Residential Property

    Always

    Broker Price Opinion (BPO) Accepted for Commercial Property

    Never

    Real Property Investment Partners Testimonials

    Get In Touch

    Real Property Investment Partners 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.

    Stay Informed About Private Lending

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

    RPIP is a direct lender providing various financing solutions to real estate investors throughout the Mid-Atlantic, Midwest, and NorthEast regions. With a focus on Fix-N-Flip and residential bridge loans, the platform allows investors to fund deals at competitive terms while allowing them to close the transaction in a fraction of the time. At RPIP, we pride ourselves on our quick and simple process – often closing deals in just 3 days.

    With our hands-on approach, we assist investors from the closing table, construction process, and throughout the sale or refinance of the property. Founded in Maryland, our lending services specialize in developing our neighborhood areas and surrounding states in the region.

    Company Size (Number of Employees)

    5

    Year Established

    2020

    Office Locations

    5906 Park Heights Ave, Suite 107-19, Baltimore, Maryland 21215

    Primary Capital Source
    • Own Funds
    • Debt Fund We Manage
    • Individual Investors
    • Bank Credit Line
    Loan Structure for Majority of Loans
    • Own Balance Sheet
    • A/B Note Participation with Bank
    Percentage of Loans Secured by Commercial Property

    10%

    Percentage of Loans Secured by Residential Property

    90%

    Total Number of Loans Funded to Date

    120

    Total Loan Volume Funded to Date

    $20,000,000

    Our Team

    Joseph Cohen

    Chief Operating Officer

    Tibor Wilheim

    CEO

    Get In Touch

    Real Property Investment Partners 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.

    Stay Informed About Private Lending

    Receive our monthly newsletters with valuable insights and industry updates
    subscribe-illustration
    Before You Contact Us

    Our Minimum Loan Amount Is

    $75,000

    What We Do

    • Residential Investment Properties
    • Bridge, Fix & Flip, Fix to Refinance
    • Appraisal not needed for short-term loans
    • UP to 90% LTP + 100% LTC for Rehabs
    • 10%+ Cash Downpayment Required

    Not Available

    • NO 100% Financing
    • NO Credit Scores Under 600
    • NO Owner-Occupied Homes
    • NO Ground-Up Construction
    • NO Land Loans

    Create a Loan Request

    Be more efficient with your lender search. Provide the loan details once, save it, and then share it with multiple lenders.

    Contact This Lender

    Contact Real Property Investment Partners by whichever method you choose.

    If you submit a loan request or email, it will be sent to the lender, and they will reply to you directly. A copy will be saved in our database. We will not share your information unless you ask us for recommendations.

    Send an email to Real Property Investment Partners