Loan Programs
Fix and Flip Loans
We offer fast, no-money-down loans, whether house flipping is a second income or your full-time job. ResCap believe the less hassle and paperwork there is to deal with, the better.
Bridge Rental Loans
Long Term Rental Loans
ResCap partners with you to secure quick approvals to fund long-term rental loans to help you maximize the cashflow of your single-family rental portfolio.
What is Balance Sheet Lending?
Most private lenders are in the business of originating loans to fit the buy box of another institution (read: loan aggregator) that is trying to aggregate enough loans to fit the underwriting standards of an investment bank (read: Wall Street) who will then sell the entire pool of loans (read: securitize) to investors. Originate. Aggregate. Securitize. Repeat. And the rules of this game are dictated by Wall Street. At the end of the day, no one that touched the loan through the origination, aggregation or securitization process is left holding the note.
Balance sheet lenders are different. They originate for their own account. They aggregate for their own account. They do not sell loans to anyone. They make the rules, play by the rules, and don’t change the rules at the demands of Wall Street. Instead, they utilize their own funds and hold loans to maturity. Investors’ loans stay on the balance sheet of the original private lender.