RSR Lending excels in delivering strategic financing solutions customized for real estate investors, business owners, and individuals overseeing inherited properties. Our diverse loan portfolio is crafted to address a wide array of business objectives, enabling clients to acquire properties, refinance existing assets, or access trapped equity in their real estate holdings. By collaborating with local mortgage brokers and banks, we bridge the gap for borrowers who may not qualify for conventional loans on their investment properties, guiding them toward their financial goals with precision and efficiency.

As a private lender, RSR Lending emphasizes speed, transparency, and asset-based evaluations over traditional reliance on credit scores and extensive documentation. This approach ensures rapid funding and clear terms, empowering clients to seize opportunities or stabilize projects that might otherwise stall under conventional constraints. Below, we outline our key loan offerings and illustrate how they can provide tangible benefits tailored to your unique investment needs.

Our Loan Offerings

1. Trust and Estate Sibling Buyout Loans

When inheriting real estate, co-beneficiaries often face the challenge of equitably dividing property assets. Some heirs may wish to keep the property, while others prefer a cash payout. RSR Lending's Trust and Estate Sibling Buyout Loans provide a financing solution for those looking to buy out co-heirs, allowing them to retain the property without selling it on the open market.

It is crucial to work with a lender experienced in these types of scenarios, as structuring the loan improperly could trigger unintended taxable events. RSR Lending understands the nuances of trust and estate financing and can help structure the loan in a way that minimizes tax implications while ensuring a smooth and timely transfer of ownership. Our expertise in this space ensures that all parties receive their fair share while preserving the property's value and avoiding costly tax consequences.

2. Bridge Loans

Real estate investors and business owners often require quick access to capital when transitioning between properties or awaiting long-term financing. Our Bridge Loans serve as short-term solutions that help borrowers secure funding for acquisitions, property renovations, or other business needs. These loans are ideal for those who need fast closing times and flexible repayment terms while working on a more permanent financing solution.

3. Purchase Loans

Investors looking to acquire real estate need reliable financing to close deals quickly and efficiently. RSR Lending provides Purchase Loans tailored for those acquiring commercial real estate or 1-4 unit residential properties for business purposes. Whether you're expanding your investment portfolio or securing a new office space, our loans are structured to provide the capital you need with speed and flexibility.

4. 2nd Trust Deeds

If you already have a primary loan on a property but need additional capital, a 2nd Trust Deed loan can be a great option. These subordinate loans allow borrowers to leverage their existing equity while maintaining their first mortgage. RSR Lending provides 2nd Trust Deed loans for business purposes, making them a useful tool for investors who need extra funds for renovations, business expansion, or other investment opportunities without refinancing their primary loan.

5. Fix and Flip Loans

For real estate investors looking to purchase distressed properties, renovate them, and resell them for a profit, our Fix and Flip Loans provide essential short-term financing. These loans are structured to cover both the purchase price and renovation costs, helping investors maximize their returns while completing projects efficiently. Whether you're a seasoned flipper or new to the industry, RSR Lending offers tailored solutions to support your investment goals.

6. Cash-Out Business Purpose Loans

If you own real estate and need to access capital for business purposes, a Cash-Out Business Purpose Loan is an excellent solution. These loans allow borrowers to tap into the equity of their commercial or residential investment properties to finance other business ventures, purchase additional properties, or cover operational expenses. RSR Lending ensures a streamlined process, so you can quickly obtain the funds needed to grow your business.

7. Construction Loans

Private construction loans offer developers a flexible, fast-track financing solution to build or renovate properties with speed and efficiency. Unlike traditional bank loans, these loans, provided by private lenders, prioritize rapid funding to keep projects on schedule—crucial because speed often determines a project’s success in competitive markets. The quick construction draw process stands out: funds are disbursed swiftly at key milestones, ensuring contractors are paid and progress isn’t stalled. This agility helps developers complete properties faster or reach a stage—such as stabilization or certificate of occupancy—where refinancing with a traditional bank loan becomes viable.

While RSR may require more equity upfront (e.g., 20-35% versus a bank’s 10-20%), they offset this with streamlined requirements. Less documentation is needed—no endless red tape or rigid credit hurdles—making approval faster than banks’ lengthy underwriting. Plus, private loans can finance unconventional projects—like speculative builds, mixed-use developments, or properties banks deem too risky—unlocking opportunities traditional lenders often bypass. For developers racing against time or tackling unique builds, private construction loans provide the capital and flexibility to push forward, proving that speed, paired with adaptability, is a game-changer in real estate development.

All Loans Secured by Real Estate

At RSR Lending, all our loan products are secured by real estate, ensuring that we can offer competitive rates and terms while protecting both lenders and borrowers. We provide financing on a wide range of property types, including:

• Commercial Real Estate: Apartments, industrial properties, warehouses, office buildings, retail spaces, and more.

• 1-4 Unit Residential Properties: Non-owner-occupied investment properties used for business purposes.

Whether you're looking to purchase, refinance, or leverage your equity, our asset-backed lending approach ensures that you receive the most suitable financing solutions for your needs.

A Focus Business Purpose Loans

It's important to note that RSR Lending specializes in business-purpose loans. In most of our transactions, the funds are used for business-related activities specified before the loan is funded. This includes real estate acquisitions, renovations, business expansions, and other commercial endeavors. Our expertise in this niche market allows us to provide efficient, flexible, and investor-friendly loan products.

Why Choose RSR Lending?

RSR Lending stands out in the private lending space due to our expertise, quick funding process, and customized loan solutions. Here's why borrowers choose us:

• Speed: Fast approvals and funding to help investors close deals quickly.

• Flexibility: Loan structures designed to fit various investment and business needs.

• Industry Knowledge: Deep understanding of real estate investments, allowing us to provide strategic financing options.

• Diverse Offerings: From bridge loans to cash-out financing, we cover a wide range of business loan types.

Whether you're an investor, business owner, or dealing with a complex trust and estate situation, RSR Lending is here to help. Contact us today to discuss your financing needs and discover how we can support your real estate investment goals.