ONE APPLICATIONHUNDREDS OF FUNDING SOLUTIONS
From your first investment property to complex commercial transactions, RECR connects real estate investors, brokers and referral partners with the capital resources they need to get deals funded. Our state of the art funding process gives you access to an extensive network of private lenders, alternative and hard money lenders. Commercial capital providers and second chance financing opportunities.
So you can get the capital you need, when you need it most!
YOU BRING THE DEAL✦WE'LL BRING THE CAPITAL
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Program Details
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Cash2Close Capital™
Minimum 650 FICO to qualify for up to $120,000 in Cash2Close Capital™
Cash2Close Capital™ provides the additional unsecured capital qualified investors need to close when their primary lender doesn't cover the entire transaction. Our proprietary Cash2Close Capital™ financing can help you preserve your liquidity so that you can move forward on deals that might otherwise be left on the table.
Build2Draw Capital™
Minimum 680 FICO to qualify for up to $500,000 in Build2Draw Capital™
Build2Draw Capital™ solves the first-draw reimbursement problem for qualified ground-up construction contractors by providing unsecured construction capital to start the project, fund initial construction costs and keep work moving until lender draw reimbursements begin.
100% Fix & Flip Capital
Minimum 700 FICO & verified exp to qualify for 100% Fix & Flip Capital
100% Fix & Flip Capital provides experienced fix-and-flip investors with maximum leverage to acquire, renovate and reposition investment properties. Qualified investors can finance up to 100% of the purchase price and 100% of renovation costs, with leverage up to 75% of ARV.
Traditional Fix & Flip Capital
- 1st time investors welcome
- FICO as low as 600
- Close in 2 days
Traditional Fix & Flip Capital provides flexible financing for first-time and experienced investors to acquire, renovate and resell investment properties. Programs offer up to 95% of the purchase price, up to 100% of renovation costs and flexible ARV-based leverage tailored to the investor, property and project. Combine with Cash2Close Capital™ to reduce cash outlay, potentially achieve 100% project financing and preserve your capital to close more deals.
DSCR Rental Capital
- No W-2s
- No tax returns
- Traditional & vacation rentals
DSCR Rental Capital provides long-term financing for investors purchasing, refinancing or accessing equity in income-producing rental properties. Programs offer up to 80% LTV with 30-year fixed, ARM and interest-only options available. Financing is available for traditional rental properties as well as short-term and vacation rentals, including Airbnb-style investment properties. Add Cash2Close Capital™ to your DSCR financing to reduce cash out of pocket, preserve liquidity and potentially acquire more rental properties with less capital tied up at closing.
Ground Up Construction Capital
- Min 680 FICO
- Up to 95% LTC
- Up to 100% const costs
- No exp OK
Ground-Up Construction Capital provides flexible financing for investors, builders and developers constructing residential investment properties from the ground up. Programs offer leverage up to 95% LTC, with up to 100% of eligible construction costs available on qualifying projects. Financing is available for both experienced builders and select first-time investors, with flexible structures based on project strength, equity and experience. Add Build2Draw Capital™ to provide unsecured construction capital for initial project costs and help keep construction moving between lender draw reimbursements.
Bridge Capital
- Purchase/Refi
- Interest only options
- Fast close
- Flexible exit
Bridge Capital provides short-term financing for investors who need speed, flexibility and time to execute the next phase of a real estate transaction. Programs are available for acquisitions, refinances, property repositioning, maturing debt, renovation and temporary liquidity, with leverage up to 80% LTV on qualifying properties. Use Bridge Capital to close quickly, stabilize or reposition the asset and transition into permanent financing or a planned sale.
Gap & Equity Capital
- Subordinate debt
- Mezz
- Preferred equity
- Creative capital
Our Gap & Equity Capital helps investors complete the capital stack when primary financing does not cover the entire transaction. Solutions may include subordinate debt, mezzanine financing, preferred equity, joint-venture capital and other creative structures designed to reduce cash out of pocket and keep strong real estate transactions moving toward closing.
Commercial Real Estate Capital
- $250K to $100MM
- Purchase/Refi
- Bridge/Perm
- Flex structures
Our Commercial Real Estate Capital provides flexible financing for investors acquiring, refinancing or repositioning income-producing commercial properties. Our programs range from $250,000 to $100MM+ with financing available for office, retail, industrial, mixed-use, hospitality, owner-user and other commercial assets. Solutions include acquisition, refinance, cash-out, bridge, construction and permanent financing tailored to the property, sponsor and business plan.
Multifamily Capital
- 2 to 4 and 5+ units
- Acquisition/Refi
- Bridge/Perm
- Cash2Close™
Our Multifamily Capital provides financing for investors acquiring, refinancing, renovating or repositioning apartment and multifamily properties. Programs are available for 5+ unit assets with financing solutions ranging from smaller apartment transactions to large institutional projects, including bridge, value-add, construction and permanent capital. Add Cash2Close Capital™ to help reduce the equity required at closing, preserve liquidity and keep more of your capital available for renovations, reserves and future acquisitions.
Healthcare & Special Use Capital
- $100K to $100MM
- Bridge to HUD
- Refi/Acquisition/Working capital
Our Healthcare & Special Use Capital provides financing for investors and operators acquiring, refinancing, expanding or repositioning healthcare and specialized real estate assets. Our lender network includes solutions for skilled nursing, assisted living, memory care, senior housing, adult care and other special-purpose properties, with bridge, acquisition, construction and permanent financing available for qualifying transactions.
Special Circumstances Capital
- Low FICO
- Unique assets
- Complex deals
- Creative solutions
Our Special Circumstances Capital provides creative financing solutions for real estate transactions that don't fit traditional lending guidelines. From manufactured and mobile homes, land and rural properties to RV parks, campgrounds, mixed-use properties and other unique or special-purpose assets, our extensive lender network gives us the ability to evaluate challenging transactions, unconventional collateral and borrowers with less-than-perfect credit. If your deal doesn't fit neatly into the box, submit it anyway. We specialize in finding capital solutions where conventional lenders stop looking.
Frequently Asked Questions
Straight answers, no runaround.
Still Have Questions?
Della, AI Investment AssistantAsk Della anything about our programs and get an instant answer, any time of day.
What types of real estate financing does RECR provide?
RECR provides access to a broad range of alternative real estate capital solutions for investors and commercial borrowers, including 100% Fix & Flip Capital, Traditional Fix & Flip Capital, DSCR Rental Capital, Ground Up Construction Capital, Bridge Capital, Gap & Equity Capital, Commercial Real Estate Capital, Multifamily Capital, Healthcare & Special Use Capital, and financing for special circumstances. Because every transaction is different, we evaluate the deal first and then identify the funding solutions that best fit the property, borrower and exit strategy.
How does the RECR financing process work?
Start with one of two paths: get a Free Della Deal Evaluation for an initial review of your opportunity, or Submit Your Deal Now if you are ready to move directly into financing. RECR collects the information needed to understand the transaction, structures the financing request, identifies appropriate capital sources, and coordinates the deal through lender review and closing. One application gives us the information needed to pursue multiple funding solutions without making you start over every time a different capital source is considered.
How quickly can I get a prequalification or financing decision?
Timing depends on the financing program, property and completeness of the information provided. Many alternative capital programs can provide an initial indication, prequalification or term structure quickly once the essential deal information is available. Final approval and closing time vary by lender and may require appraisal, title, insurance, entity documents and other underwriting items. The fastest path is a complete submission with accurate deal information and supporting documents from the beginning.
What credit score do I need to qualify?
There is no single RECR minimum credit score because our capital sources have different underwriting guidelines. Stronger credit generally creates more options and better leverage or pricing, but lower credit does not automatically eliminate a deal. Property value, equity, experience, liquidity, cash flow, exit strategy and the specific financing program can all affect qualification. Some alternative and asset based programs are specifically designed for transactions that do not fit conventional bank guidelines.
Can RECR help if my deal doesn't qualify for traditional bank financing?
Yes. That is one of the primary reasons RECR exists. We work with alternative, private, non bank and specialty capital sources whose programs can evaluate investment real estate differently from traditional banks. A bank decline does not necessarily mean the transaction cannot be financed. We look at the property, equity, project economics, borrower profile, experience, cash flow and exit strategy to determine which capital structures may fit.
What is the Free Della Deal Evaluation, and how does it work?
Della is RECR's personal AI investment assistant and the front door to our deal evaluation process. Tell Della about the property, financing request and investment strategy, and she guides you through the information needed for an initial evaluation. Your deal information can then move forward into the full submission process without requiring you to start from scratch. The Della Deal Evaluation is designed to help you understand the financing direction of the opportunity before committing time to a full submission.
Can I really get 100% financing for a Fix & Flip project?
Yes. Qualified transactions can be eligible for financing that covers up to 100% of the purchase price and rehabilitation budget. Qualification depends on the borrower, property, project economics, experience, completed value, lender guidelines and available program terms. Closing costs, reserves, points or other transaction expenses may still require borrower capital depending on the program. RECR can also evaluate complementary capital strategies when additional cash to close is required.
Does RECR provide financing for Ground Up Construction and manufactured home projects?
Yes. RECR works with capital sources for Ground Up Construction and selected manufactured home investment projects. Available structures depend on the property, land ownership, construction plans, budget, permits, borrower experience, completed value and exit strategy. Manufactured home eligibility varies significantly by lender and project type, so we evaluate the specific transaction rather than assuming every manufactured housing project fits the same program.
Can I qualify for DSCR rental financing without using my personal income?
Yes. DSCR, or Debt Service Coverage Ratio, financing is designed for investment properties and generally qualifies the transaction primarily from the property's rental income relative to its housing expense rather than traditional personal income documentation. Credit, property value, liquidity, reserves and other lender requirements still apply, and program guidelines vary. RECR also has access to programs for certain transactions with DSCR below 1.00, subject to lender guidelines and compensating factors.