We understand that finding the right loan can be overwhelming. That's why we're here to help simplify the process
Residential loans are short-term, asset-based loans typically used by real estate investors to purchase, renovate, or refinance properties. Unlike traditional loans, which rely heavily on the borrower's creditworthiness and income, loans focus primarily on the value of the property being financed. This makes them an excellent option for individuals who may not qualify for conventional financing due to poor credit, irregular income, or other financial challenges.
At RAM, we specialize in residential loans that are as flexible and dynamic as the clients we serve. Whether you're eyeing a single-family residence, a condo, or a multi-unit property, our tailored financing solutions are designed to bridge the gap between opportunity and success.
Every real estate deal is unique, and we believe your financing should be too. Whether you're working on residential flips, commercial investments, or anything in between, we offer flexible loan terms that fit your project and your timeline. We're all about crafting solutions that work for you, with interest-only payment options that keep your financial stress low while you focus on nailing that perfect investment.
Bridge loans work by providing immediate capital based on the equity of an existing property or the prospective value of a new purchase. In areas where the real estate market is dynamic and competitive, these loans are particularly beneficial. They typically have terms ranging from six months to three years, with interest rates higher than conventional loans due to their short-term nature and associated risks.
Stepping into the commercial real estate world can be as thrilling as it is complex. Whether you're eyeing retail spaces, industrial facilities, or office buildings, the right financial backing can make all the difference. That's why we offer our commercial loans to move your projects forward.
Commercial loans are short-term loans secured by real estate, primarily used for commercial purposes. Unlike traditional bank loans, these are funded by private investors, offering faster approval and more flexible terms. These loans are particularly beneficial for investors needing quick financing to seize lucrative opportunities.
Fix and flip loans are essential for investors looking to capitalize on the real estate market. There are several types of fix and flip loans available, each catering to different needs and circumstances. loans are the most common fix and flip loans, characterized by their quick approval times and flexible terms. lenders base their decisions on the property's after-repair value (ARV) rather than the borrower's credit score. Bridge loans provide short-term financing to bridge the gap between the purchase of a new property and the sale of an existing one. They are useful for investors who need immediate funds.
Private money loans come from private investors or groups willing to finance real estate deals. They offer flexibility in terms and can be a good alternative when traditional financing isn't available. If you already own property with significant equity, you can leverage it to obtain financing for your fix and flip project. Each type of loan has its advantages and disadvantages, so it's important to understand which one best suits your needs.
Why Choose Us
We provide clear, step-by-step assistance tailored to your unique financial needs, ensuring that you find the perfect loan with confidence.
Expert Guidance and Insights
Multiple years of experience
We require minimal docs
Competitive interest rates Flexible loan terms
Our Working Process
Our working process is designed to make your loan search and selection as seamless as possible.
What We Offer
Our loans are designed to be flexible. It means we can tailor the loan terms to your unique situation. We offer larger loan amounts than traditional lenders, and we can work with you to ensure that you get the financing you need to succeed. And because we manage our own funds, we can make a decision quickly, so you can get the money you need when you need it.
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Frequently Asked Questions
We've compiled a list of frequently asked questions to provide you with quick and helpful answers. If you have a question that is not addressed below...
It is quick and easy to apply for a loan! Simply visit this link Get A Quote, fill the form and a consultant will walk you through the process.
A hard money loan is a loan that is secured by real estate, uses private funds, and often has a shorter term and a higher interest rate than a traditional loan. At RAM we manage our own fund with a pool of investors which allows us to make the decision fast and provide you the funding within days.
Hard money loans are commonly used to finance investment properties such as fix-and-flips, rental homes, or commercial buildings. Single-family residences, multi-family properties, office buildings, retail spaces, hotels and industrial assets are all eligible.
The amount you may borrow with a hard money loan is determined by the value of the collateral property. Lenders will typically lend up to 70% of the value of the property, while certain lenders may give greater or lower loan-to-value ratios based on the the value and type of the property and borrower's creditworthiness.
The process starts with filling out a loan application and collecting a streamline document list - loan application, credit report, income of the property, title report, valuation of the property. Then it goes to the underwriting department who reviews the docs and advises the loan committee on the final decision.
