Residential Loans: Hard Money Lending 

Commercial/Industrial/Mixed-Use Loans

As a broker, funding Commercial, Industrial and Mixed-Use loans can be difficult because of the strict funding tools at your immediate disposal.  These types of loans help businesses move forward but there may be unique negative characteristics of the borrower or the property that can lead to loan refusal.

Residential First Capital is a private hard money lender that specializes in helping brokers be an asset to their clients and help them to get to the loan they need to grow and advance their business.   With over 30 years of experience we have seen many situations and have a high comfort level with unique and unusual deal characteristics.  We do not do risky borrowing. We do informed borrowing based on our experience of thousands of unique transactions in the Commercial/Industrial/Mixed-Use arena.

Rehab Loans

If you have a client with a property that needs to be rehabilitated for investment purposes - you may need to send them to a private money lender.  Many conventional hurdles provide a slim acceptance rate in these situations, whereas a Hard Money Lender is capable of looking beyond those strict metrics to see the borrower’s true eligibility for a loan.  The right amount of capital can ensure a successful property rehabilitation and the accompanying increase in real estate value. It is a win-win for all.

Investment Property Loans

Investment Properties Loans require an experienced lender. It can also require creativity that is dependent on the neighborhood, the condition the home is in and the expertise of the borrower. Conventional funding sources may not meet the speed test, nor are they flexible enough to review the entire scenario and feasibility as good investment. Residential First Capital has that speed and flexibility your client needs to make the right next move.


No matter the type of loan - there is a process of review to determine suitability and the best terms for each situation. There is no one size fits all when it comes to Hard Money Lending.  Each borrower and opportunity is unique.

Contact us with your client’s situation – we may be able to help you turn a “no” into a “yes.”

Phone: (949) 852-0400

Email: kthayer@rfmoc.com