Asset-Based Loans
Tired of being turned down by other lenders?
Our stated income/asset-based loans are designed with the self-employed investor in mind. We do not verify income or employment. We don’t require tax returns, W-2s, Paystubs, or asset seasoning.
Asset Based Residential 1 to 4
- Eligible Property Types: Non-Owner Occupied 1 to 4 Family, Condos, Townhomes
- Up to 30 years fixed rate terms
- Rates starting at 8.49%
- Loan To Value up to 75%
- Minimum Credit Score of 600
Single Family or Condo Blanket Loans
RCA provides blanket loans on single-family and condo rentals. Whether you are looking to purchase multiple SFR properties or refinance SFR properties you currently own, we can bundle multiple properties under one loan. Call us today to learn more!
Asset-Based 5 Plus Residential, Mixed-Use, and Commercial
- Eligible Property Types: 5 plus Multi-Family, Mixed-Use, Office, Retail, Warehouse, Self-Storage, Light Industrial and Auto-Repair Properties.
- Up to 30 years fixed rate terms
- Rates starting at 9.49%
- Loan To Value up to 75%
- Minimum Credit Score of 600
Fix & Flip Loans
Short term bridge for the acquisition and rehab of real estate.
- Eligible property types: Non-Owner Occupied 1 to 4 Family, Condos, Townhomes, 5 plus Apartment Buildings, and Mixed-Use
- 12 to 18 month terms
- Loan amounts $100K up to $7MM for 1 to 4 Residential
- Loan amounts $250K up to $10MM for 5 plus residential and Mixed-Use
- Loan To Value up to 85% of the Purchase Price and 100% of the Rehab Cost; Not to Exceed 75% of the ARV
- Rates starting at 10.25%
- Minimum Credit Score of 630
- No Pre-Payment Penalty
- Interest paid only on funds used
Asset-Based Loans
Financing based on what you own, not what you earn. We focus on the property’s value and potential—not your tax returns, W-2s, or employment history.Quick decisions. Same-day pre-approval
$100K–$5M+
Loan Amount
Up to 75%
LTV
From 8.375%
Interest Rates
7-Days
Closing Post Appraisal
The Property Is Your Qualification
Traditional lenders spend weeks analyzing your personal finances—tax returns, bank statements, employment verification, DTI ratios. Asset-based lending flips this model. We focus primarily on the collateral: the real estate itself.
If you have substantial equity in a property, that equity becomes your qualification. We evaluate the asset’s current value, condition, location, and exit potential. Your personal income situation, while noted, isn’t the deciding factor.
This approach works for investors who have complex income situations, recently changed employment, are self-employed with aggressive write-offs, or simply want a faster, simpler process. If the property makes sense, we can likely structure a loan.
How Asset-Based Lending Works
We evaluate the deal based on the property’s merits, not your personal financial complexity. Here’s our streamlined process.1. Property Evaluation
We assess the property’s value, condition, location, and marketability. Current value and after-repair value (if applicable) drive the analysis.
2. Equity Analysis
Your equity position is key. We typically lend up to 75% of the property’s value, ensuring an adequate cushion for both parties.
3. Cash-Flow/DSCR Review
We review the ability to repay the loan; although we evaluate debt service, it is not the sole determining factor.
4. Fast Funding
With the asset doing the heavy lifting, we can close in as few as 7 days after receipt of the appraisal report. No waiting for bank committees or endless document requests.
Example: Warehouse Purchse
Who Asset-Based Loans Are For
Investors and borrowers who benefit most from collateral-focused financing.Self-Employed Investors
Business owners with complex tax situations or heavy write-offs that reduce stated income
High Net Worth Individuals
Borrowers with substantial assets but income that doesn't reflect their true financial position
Recent Job Changes
Investors who recently changed careers, started businesses, or have employment gaps
Time-Sensitive Deals
Investors who need to close quickly and can't wait for traditional underwriting timelines
Portfolio Investors
Experienced investors whose leverage is maxed out from existing properties
Foreign Nationals
Non-US citizens who can't provide traditional US income documentation
Unique Situations
Retirement transitions, divorce proceedings, or other life events affecting documented income
Bank Declines
Investors with strong equity positions who were declined by traditional lenders
Eligible Collateral Types
Real estate assets we accept as collateral for asset-based loans.Single Family Homes
Single-family investment properties
Multi-Family (2-4)
Duplexes, triplexes, and fourplexes
Apartment Buildings
5+ unit multifamily properties
Mixed-Use
Residential with commercial components
Retail
Strip centers, storefronts, NNN properties
Office
Professional office and medical office buildings
Industrial
Warehouses, flex space, light manufacturing
Owner Occupied
Owner's business occupying the property
Loan Terms & Requirements
Flexible terms designed around the asset’s value and your exit strategy.
Loan Parameters
Loan Amount
$100K – $5M+
Max LTV
75%
Loan Term
30-Years Fixed Rates
Interest Rates
From 8.375%
Points
1 – 3%
Loan Structure
Amortization
Fully Amortized / IO Options
Prepayment
Flexible
Balloon Payments
N/A
Lien Position
1st
Recourse
Full Recourse
Borrower Requirements
Credit Score
550+ (Flexible)
Income Docs
Not Required
Employment
Not Required
Exit Strategy
N/A
Entity
LLC, Corp, Trust OK
Benefits of Asset-Based Lending
Why investors choose collateral-focused financing.Minimal Documentation
Bypass tax returns and income verification with a streamlined underwriting process focused mainly on the property.
Speed to Close
Close in as few as 7 days post-appraisal. When the asset qualifies, we move fast. No waiting for bank committees, funding your loan in days, not months.
Certainty of Execution
If we quote it, we close it. No last-minute surprises or re-trades based on income analysis.
Flexible Underwriting
We applycommon-sense judgement rather than bank algorithms to fund complex or unique property scenarios.
Equity Access
Unlock the equity in your properties without the hassle of proving income. Your equity is your qualification.
Multiple Use Cases
Acquisitions, refinances, cash-out, debt consolidation, business capital—use the funds as you see fit.
Common Scenarios
Real situations where asset-based lending provides the solution.Self-Employed Business Owner
A successful business owner with $2M in annual revenue shows minimal taxable income due to legitimate business deductions. Traditional lenders see $40K in income; we see $800K in property equity and a seasoned business.
Our Solution$500K cash-out refinance at 65% LTV on his free-and-clear property. Closed in 28 days after accepted term sheet and appraisal ordered.
Portfolio Expansion
Experienced investor owns 12 residential and mixed-use property rentals and wants to buy 2 more. Traditional lenders say her DTI is maxed and she’s at the 10-property conventional limit. Commercial Banks say the properties are not showing enough cash flow to meet the minimum debt service requirement.
Our SolutionTow separate asset-based loans totaling $780K, each evaluated solely on the subject property’s value. No DTI calculation, no DSCR, no portfolio limits.
Frequently Asked Questions
Common questions about our asset-based lending programs.
Do you really not require any income documentation?
Correct. For pure asset-based loans, we do not require tax returns, W-2s, pay stubs, or source and seasoning of funds. We may ask for a brief explanation of your general financial situation, but the primary focus is on the property’s value and your equity position.
What credit score do you require?
We’re flexible on credit. While we generally look for 650+, we’ve completed deals with borrowers in the 500s when the equity position is strong enough. Lower credit scores may result in lower LTVs or higher rates, but each deal is evaluated individually.
Can I use an asset-based loan on my primary residence?
No. These loans are for investment or business purpose use only. In most states, any owner occupied 6 residential units or less does not qualify.
Why are the rates higher than bank loans?
Asset-based loans are priced for speed, flexibility, and reduced documentation requirements. You’re paying for certainty of execution and access to capital when traditional lenders say no. Many borrowers use these loans as short-term solutions and refinance into lower-rate permanent financing once income can be documented or the property is stabilized.
What do you need from me to get started?
To provide a quote, we need the property address and type, purchase or refinance, estimated property value, desired loan amount, and credit score. You can simply complete a short application online.
Can I get a second lien asset-based loan?
No. We do, however, allow seller second lien positions when there is sufficient equity. Combined loan-to-value (CLTV) typically maxes out at 80%.
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