Business-purpose financing programs available through RED

Purchase and renovation, 12 months

Purchase and renovation financing for non-owner-occupied 1–4 unit residential investment property.

Up to 90%

Loan-to-cost

Up to 100%

Of renovation budget

12 months

Term

Thirty-year rental financing

Thirty-year financing against a single cash-flowing 1–4 unit rental. Qualification is driven by property cash flow, not personal income.

Up to 80%

LTV on purchase

1.05x

Minimum DSCR

30 years

Term

Rent-ready, no renovation planned

Short-term financing against a recently renovated or newly built property that is listed for sale or about to be rented. No renovation budget, no scope of work.

85%

Max LTC

70%

Max LTV

1.10x

DSCR exit option

12 mo

Term

Small balance transitional bridge

Bridge financing against a single 5+ unit residential multifamily property being repositioned. Light to moderate renovation only, and a narrower footprint and sponsor profile than the rest of the platform.

70%

Max LTC

75%

Max LTV, as-is

1.25x

Stabilized DSCR

725

Minimum FICO

Experience is required — first-time multifamily buyers are not eligible — and the guarantor carries liquidity of 10% and net worth of 100% of the loan amount. Single properties only; no mixed use.

Infill builds, by conversation

Construction financing for 1–4 unit infill development on single lots and small schemes. This one starts with a call rather than a quote: it is experience-gated, permit status moves the leverage, and the desk would rather talk it through than price it from a form.

75%

Max LTC, permitted

70%

Max ARV-LTV

90%

Max loan to final cost

680

Minimum FICO

Tier 3 experience and 680 FICO minimum, and leverage drops from 75% to 60% of land value without permits in hand. Infill lots only — no large tracts, rural or remote sites.

One loan across many doors

Blanket financing against a collection of 1–4 unit rentals. One loan, one closing, one payment, underwritten on the portfolio's combined cash flow.

80%

Max LTV, purchase

75%

Max LTV, cash-out

1.05x

Minimum DSCR

2–10

Properties per loan

This is a 30-year loan, not a short-term facility — the same fixed and ARM structures as the single-asset rental loan, with partial interest-only available. Two to ten properties, $50,000 minimum per property, and 90% of the portfolio must be occupied by unit count. Leverage drops to 70% where a quarter or more of the portfolio is worth under $100,000.