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.

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 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 6.875%
  • Loan To Value up to 80%
  • Minimum Credit Score of 650

Asset-Based 5 Plus Residential, Mixed-Use, and Commercial

  • Eligible Property Types: 5 plus Multi-Family, Mixed-Use, Office, Retail, Warehouse, Self-Storage, and Auto-Repair Shops.
  • Up to 30 years fixed rate terms
  • Rates starting at 8.25%
  • Loan To Value up to 75%
  • Minimum Credit Score of 650

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 $6.5MM 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%
  • Minimum Credit Score of 630
  • No Pre-Payment Penalty
  • Interest paid only on funds used