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, and we focus on a few deal types:

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

We lend our own money and service all of our loans. We don’t sell any of our loans to Wall Street.

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

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

yes

Max LTC for Renovation Costs

100%

Interest Charged for Renovation Costs

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw

2

Maximum After Repair Value

70.00%

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

Funded Deals

Real Property Investment Partners
Cincinnati, OH
$1,500,000
Motel, Multifamily
View Transaction
Real Property Investment Partners
Laurel, MD
$329,400
2-4 Units Residential
View Transaction
Real Property Investment Partners
Gwynn Oak, MD
$210,000
Single Family Residence
View Transaction

Real Property Investment Partners Testimonials

Guyvenson Francois

"Real Property Investment Partners is always efficient and competitive, which makes them the go-to financing solutions for real estate investing in the Baltimore/DC area."

Real Estate Investor

Baltimore

Kelly Swan

"They Made Hard Money Easy! My partner and I can’t thank Tibor and Joseph enough for their commitment and contribution to our success. Most people watch TV shows that show flipping as a simple process; until they actually try it and realize the complexity of the process. Tibor and Joseph helped us take on that complex situation and made it super easy! We will definitely use them for all of our investment needs."

Real Estate Investor

Baltimore

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Real Property Investment Partners 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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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

9505 Reisterstown Rd, Suite 2NW , Owings Mills, Maryland 21117

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.
Contact COMPANY

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
SUBSCRIBE
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BEFORE YOU CONTACT THIS LENDER

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

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