Red Rock Capital makes loans that most other companies can’t or won’t on 1-4 unit residential investment real estate. Our seasoned professional provide timely responses and realistic loan offers for investment real estate owners around the country. We specialize in renovation, new construction, and bridge loans in 41 states. We are a direct fund that manages loan servicing for all our borrowers. We are flexible, creative, knowledgeable, and fast at executing on your transaction.

Fix and Flip Loans
Max 90% Loan to Cost, up to 70% of the ARV

Bridge Loans
Max 75% of the as-is value (purchase and rate/term refinance)
Max 65% of as-is value for cash-out refi

Ground-Up Construction Loans
Max 75% of total construction costs

 

 

Property Geographic Area Details
Nationwide with a 50K or greater population center, except in the following states: CA, AZ, NV, ND, SD, MN, VT, UT, OR
Loan Amounts
$75,000 to $3,000,000
Interest Rates
10% to 18%
Loan Terms
6 months to 36 months
Origination Fees
2% to 5%
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%

Property Types

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

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
  • Seller Financing
  • Family

Site Visit Fee

For appraisal reports and property budget reports

Processing Fee

$400

Legal Fee

$1,000-$1,200

Details and Requirements

Typical Closing Time (Days)

15

Fastest Closing Time (Days)

6

Payment Structure
  • Interest Only
  • Interest Reserve
Pre Payment Penalty

yes

6 months minimum interest
Will lend to a foreign national

yes

Borrower must be a valid US entity- signer must have a green card or have a student visa or work visa so they can be in the country at least for the duration of our loan
Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

yes

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
  • Self-Directed IRA
Documentation Required
  • Credit Report
  • Tax Returns
  • Bank Statements
  • Financial Statements
  • Loan Application
Personal Guaranty (Recourse) Required
Sometimes
Credit Check Required

yes

Appraisal Required for Residential Property

Always Before Funding

Broker Price Opinion (BPO) Accepted for Residential Property

Sometimes

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Red Rock Capital pays us to be listed, so there is no fee to connect with them directly.
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Red Rock Capital provides financing to real estate investors around the country on 1-4 unit investment properties and select commercial properties. We source new loan opportunities, underwrite, fund, and manage loan servicing on each loan.

Are you a borrower or broker? Contact us today for friendly, fast, and knowledgeable service for your next real estate financing project. Let us help take the guesswork out of obtaining the financing you need.

Year Established

2003

Office Locations

2139 Chuckwagon Road, Colorado Springs, CO 80919

Primary Capital Source
  • Debt Fund We Manage
  • Individual Investors
  • Family Offices
  • Single Capital Partner
Percentage of Loans Secured by Residential Property

100%

Contact Red Rock Capital

Red Rock Capital pays us to be listed, so there is no fee to connect with them directly.
Send email Create a Loan Request

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
SUBSCRIBE
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Contact Red Rock Capital 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.

BEFORE YOU CONTACT THIS LENDER

Our Minimum Loan Amount Is

$75,000

Send an email to Red Rock Capital