Residential First Capital

Newport Beach, CA

CA DRE 01193114

Our Take

They specialize in creative private money solutions for residential and commercial properties, offering rapid funding with minimal credit requirements and the unique ability to fund junior lien positions. With a focus on responsiveness and execution, they provide bridge and rental financing with flexible terms tailored to each borrower's specific exit strategy.

Funds

Fix and Flip and Fix and Rent Investment Property Loans
Properties in California and Washington
Short-Term Bridge Financing for Property Purchases, Renovations, or Refinances

Does Not Fund

Unsecured Consumer Loans With No Real Estate Collateral
Long-Term Conventional Mortgages Typical of Retail Banks

Loan Programs

Residential Bridge Financing

Temporary, short-term funding solutions for property purchases, renovations, or refinances. This loan is ideal for investors looking to close deals quickly while waiting for long-term financing.

65%

LTV

7.50% to 11.00%

Interest

$25k to $3m

Amounts

6 to 60 months

Term

Loan Guidelines

Funded in 4 to 10 days
1 to 2 origination points

Eligible Property Types

Residential, Small Multifamily, Condos, Townhomes

Key Requirements

Credit check required

See all loan specs

Loan Program
Loan Type	Bridge

Property Types
Residential, Small Multifamily, Condos, Townhomes

Loan Economics
Loan Amount	$25k to $3m
Loan Term	6 to 60 months
Origination Fee	1 to 2 points
Interest Rate	7.50% to 11.00%
Loan-to-Value (Max)	65%
Payment Structures

Loan Profile
Second Position Loans Allowed	yes
Appraisal Required	yes
BPO Allowed	sometimes
Prepayment Penalties	sometimes

Property Profile
Owner-Occupied Properties Allowed	sometimes

Borrower Profile
Foreign Nationals Allowed	yes
Credit Check Required	yes
Min Fico Score	400
Personal Guarantee Required	yes

About Residential First Capital

Residential First Capital has been funding loans in the private money space since 1986. The company has built a strong team of honest, ethical, and hardworking professionals dedicated to delivering reliable financing solutions.

Residential First Capital offers a wide range of private and institutional loan products, with a consistent focus on securing the best possible financing package for each borrower’s unique needs. The firm prides itself on its integrity, deep industry knowledge, and long-standing relationships with trusted affiliates.

Known for its ability to structure creative solutions, Residential First Capital always places the borrower’s interests first in every transaction. When a solution is not the right fit, the team makes every effort to refer clients to a partner who can help.

The company is highly responsive and looks forward to working with borrowers to find the right solution for their financing needs.