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Realty Capital Financial
Your Silent Financial Partner
The Deal Pays for Itself for all Ground Up and Rehab Financing.
No Liquidity Documentation Ever Requested.
- 1000+ Deals Funded
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Ground Up Construction
Flexible funding solutions for new residential or commercial construction projects from the ground up.
The Deal (Project) Pays for Itself.
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Fix and Flip
Short-term financing to purchase, renovate, and quickly resell properties for a profit.
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Rehab
Capital to renovate and improve existing properties for resale or rental income.
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DSCR Purchase and Refinance
Financing to acquire investment properties with speed and flexibility.
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Multifamily
Purchase - Ground Up - Rehab - CapEx - Bridge
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Whatever Your Role, We Have Lending Options for You
From first-time investors to seasoned professionals, our tailored financing solutions help you capitalize on every opportunity.
Real Estate Investors
Get started with competitive rates and expert guidance for your first investment property.
Mortgage Brokers
24 hour approvals with higher loan amounts and streamlined closing processes.
Real Estate Broker
Reach out to us for funding options to close your sale.
Find the Private Lending Program to Fund the Deal
Choose from our comprehensive suite of loan products designed for every type of real estate investment.
Ground Up Construction
Ground-Up Construction Loans provide the capital needed to finance the entire construction process of a new build — whether it’s a single-family home, multi-unit development, or commercial space. These loans typically cover land acquisition, material costs, labor, and associated construction expenses. With a draw process based on photos alone, this type of financing is ideal for builders and developers seeking to turn blueprints into profitable real estate assets.
Designed for Small and Large Residential Projects
- Up to 90% LTC and 75% LTARV
- No Liquidity Statement Needed
- We offer a Full IR Escrow to 24 Months
- No cash closes on purchased and permitted land
Fix and Flip
Fix and Flip Loans are designed for real estate investors looking to acquire undervalued or distressed properties, renovate them efficiently, and sell them at a higher price. These short-term loans provide fast access to capital, enabling you to act quickly in competitive markets. With flexible terms and funding options, Fix and Flip Loans help cover both the purchase price and renovation costs, making them ideal for investors focused on maximizing ROI in a short timeframe.
Fund up to 90% of the Purchase and 100% or the Rehab Budget with No Interest Payments during the term of the loan
- Total up to 75% ARV
- All Interest Payments included in the 75% ARV
- 12, 18 Months Terms
- NO PPP
Rehab
Rehab Loans are tailored for investors who acquire properties in need of moderate to major repairs. This financing helps cover the costs of renovations, updates, and property improvements that elevate the market value. Best of all, our financing allows for no interest payments for the term of the loan. Whether you're planning to resell or hold the property for rental income, Rehab Loans provide the flexibility and speed necessary to turn underperforming real estate into a profitable asset. These loans are perfect for transforming neglected properties into modern, revenue-generating spaces.
DSCR Purchase
DSCR Purchase Loans are designed to help investors and real estate professionals secure funding for acquiring residential or commercial properties. Whether you're buying your first rental property or expanding your portfolio, these loans offer competitive terms and fast closings to keep you moving quickly in a competitive market. Ideal for turnkey investments or value-add acquisitions, Purchase Loans give you the capital needed to seize opportunities without delay.
DSCR Refinance
DSCR Refinance Loans allow you to take advantage of better loan terms, access property equity, or payoff a completed Ground Up or Rehab loan. Whether your goal is to lower your monthly payments, pull cash out for new projects, or replace short-term financing with long-term stability, a refinance can be a smart move. These loans are suitable for both residential investment properties, helping you optimize your portfolio’s performance and long-term value.
- Up to 90% ARV
- 12-month terms
- Interest-only payments
- Up to 80% of costs
- 18-month terms
- Flexible draws
Rehab
Rehab Loans are tailored for investors who acquire properties in need of moderate to major repairs. This financing helps cover the costs of renovations, updates, and property improvements that elevate the market value. Whether you're planning to resell or hold the property for rental income, Rehab Loans provide the flexibility and speed necessary to turn underperforming real estate into a profitable asset. These loans are perfect for transforming neglected properties into modern, revenue-generating spaces.
- Up to 75% LTV
- 24-month terms
- No prepayment penalty
Purchase
Purchase Loans are designed to help investors and real estate professionals secure funding for acquiring residential or commercial properties. Whether you're buying your first rental property or expanding your portfolio, these loans offer competitive terms and fast closings to keep you moving quickly in a competitive market. Ideal for turnkey investments or value-add acquisitions, Purchase Loans give you the capital needed to seize opportunities without delay.
- Up to 80% LTV
- 30-year amortization
- Portfolio lending
Recently Funded Properties
See the types of deals we’re funding every day.
20 Claire Ave, Woodbridge, NJ 07095
Address: 20 Claire Ave
City: Woodbridge
State: NJ
Postal Code: 07095
Property Type: Multi-Family 16 Units
Loan Amount: $3,150,000
501 Rahway Ave, Woodbridge, NJ 07095
Address: 501 Rahway Ave
City: Woodbridge
State: NJ
Postal Code: 07095
Property Type: Multi-Family 16 Units
Loan Amount: $3,003,000
20 Claire Ave, Woodbridge, NJ 07095
Address: 20 Claire Ave
City: Woodbridge
State: NJ
Postal Code: 07095
Property Type: Multi-Family 16 Units
Loan Amount: $3,150,000
Why Choose RCF
Smart Investments Start With Strong Partnerships
At RCF, we are your Private Financial Partner. We are interested in your Experience, not your Liquidity. Let’s get the project done. That’s why we’ve streamlined our process to get you the funding you need, when you need it most.
Nationwide Coverage, Local Expertise
Serving real estate investors across the United States
Boost Your Resources
We’re committed to helping investors succeed. Access our resources to learn more.
Meet the Founder
Heshy Safrin
Managing Director
Heshy Safrin has 40 Years of experience in the Financial Services Business. He has helped finance over $3 Billion in Various Asset classes.
As Managing Director of Realty Capital Finance, his many relationships with Hedge Funds and Private Money Sources makes him the best person to lead the company that can help so many people reach their Real Estate Investment Goals
NPLA Member
Industry Leadership
Licensed Lender
Fully Licensed Compliant
Still Have Questions About Our Lending Options?
Need More Details? Ready To Go? Our experienced lending specialists are standing by to help you find the perfect financing solution for your next investment.
