Direct Hard Money Lender for Residential Property Investors
RBI Mortgages (formerly RBI Private Mortgages) is a direct hard money lender serving New York, Florida, and Texas, specializing exclusively in residential properties. Since our founding in 2015, we have funded hundreds of deals, focusing on single-family homes, condos, and multi-family complexes (2–4 units).
We offer a variety of loan programs, including residential and commercial bridge loans, with funding amounts ranging from $75,000 to $5 million. Our competitive rates and, in many cases, no pre-payment penalties make us a flexible financing partner for property investors.
Submit your loan proposal, and our team will respond within 48 hours to evaluate if we can fund your deal. Whether you’re purchasing a single-family home, a condo, or a multi-family apartment building, RBI Mortgages provides fast, reliable funding in New York, Florida, and Texas.
Short-term loans, typically taken out for a period of 2 weeks to 3 years, pending the arrangement of larger or longer-term financing.
| Loan Program | |
|---|---|
| Loan Type | Bridge |
| Property Types |
|---|
| Condos, Residential, Small Multifamily, Townhomes |
| Loan Economics | |
|---|---|
| Loan Amount | $75k to $5m |
| Loan Term | 12 to 24 months |
| Interest Rate | 8.50% to 12% |
| LTV | 75% |
| Payment Structures | Interest-Only |
| Loan Profile | |
|---|---|
| Second Position Loans Allowed | no |
| Appraisal Required | yes |
| BPO Allowed | no |
| Prepayment Penalties | no |
| Property Profile | |
|---|---|
| Owner-Occupied Properties Allowed | no |
| Borrower Profile | |
|---|---|
| Credit Check Required | yes |
| Min Fico Score | 620 |
| Foreign Nationals Allowed | yes |
| Personal Guarantee Required | yes |
Fix-and-flip loans are short-term loans used by real estate investors to purchase and improve a property to then sell for a profit or refinance.
| Loan Program | |
|---|---|
| Loan Type | Fix & Flip |
| Property Types |
|---|
| Residential, Small Multifamily, Condos, Townhomes |
| Loan Economics | |
|---|---|
| Loan Amount | $75k to $5m |
| Loan Term | 6 to 18 months |
| Interest Rate | 8.50% to 12% |
| LTC | 95% |
| Payment Structures | Interest-Only |
| Loan Profile | |
|---|---|
| Second Position Loans Allowed | no |
| Prepayment Penalties | no |
| Property Profile | |
|---|---|
| Owner-Occupied Properties Allowed | no |
| Borrower Profile | |
|---|---|
| Personal Guarantee Required | yes |
RBI Private Lending today announced it has been ranked the 3rd Top Construction Lender in the U.S. by Scotsman Guide Magazine, a monthly business-to-business trade publication for mortgage originators published by Scotsman Guide Media.