Rehab Financial Group is a local private lender specializing in fast, reliable fix-and-flip bridge loans, new construction, and short-term bridge loans.
First mortgage only; subordinate liens are not permitted
Prepayment penalty
None
Payment structure
Interest-only monthly payments
Recourse
Always
Prepayment structure
None
Cross-collateral
No
Equity / JV capital
No
Income documentation
No Income Verification Required. Qualifying is asset-based - personal debt-to-income ratios are not evaluated. Credit report, bank statements (3 months), and financial statements required. No W-2s or tax returns.
Borrower entity
Individuals, LLC, LP, Corporation, and Self-Directed IRA all accepted. Personal guaranty always required. No foreign nationals. No junior liens behind RFG's senior mortgage. Liquidity required: $15,000 or 25% of rehab/construction budget (whichever is greater) plus closing costs.
Experience required
No Experience Required for Fix-and-Flip. 0 prior projects accepted on the standard rehab program. Higher leverage (75% ARV) unlocked with 1 completed project with RFG or 3 completed projects with another lender. Ground-up construction requires minimum 3 completed projects. Multifamily requires 3 prior projects including 1 multifamily within 3 years.
This record was compiled from the public pages below. Figures reflect what each source published when it was retrieved and are not a quote — confirm current terms with the lender.
