Discover our Full Spectrum of Loan Programs
We offer Nationwide Real Estate Financing. Ideal for Self-Employed Borrowers, First Time and Experienced Investors.
RGC Capital Loan Programs
Discover a range of financing solutions designed to meet your unique requirements at RGC. Our loan programs feature rapid 24 – 48 hour approvals, competitive rates starting at 9.5% interest, and acceptance of challenged credit. We offer limited title seasoning requirements and no debt-to-income constraints, ensuring accessibility for a wide range of borrowers. Enjoy the flexibility of no prepayment penalties and loans ranging from $200,000 to $10,000,000 across residential, commercial, industrial, and land properties.
We offer a variety of loan programs for both purchase and refinance, catering to all property types, including SFRs, condos, 2-4 units, multi-family apartments (5+ units), mixed-use properties, mobile home parks, offices, retail spaces, warehouses, industrial properties, self-storage facilities, automotive properties, churches, banquet halls, restaurants, legal cannabis, bars, night clubs, motels, and vacant land. With options for 1st and 2nd trust deeds, up to 70% loan-to-value ratios, and blanket loans available, we make financing straightforward. Experience expedited closings within 7-14 days and a broker-friendly approach that prioritizes your success.
Property Types eligible for our Loan Programs
Residential Property
Mixed Use Property
Commercial Property
Vacant Land
Industrial Property
Construction Property
Private Money Loan
Our private money loan is offered by individual investors willing to personally lend their capital to our clients. If you are looking for quick closing with flexible underwriting conditions, then our private money loan is a good option.
Main Features:
- 6 months – 60 months
- Loans from $100k to $10M
- Up to 65% LTV
- Rates start at 9.99%
Stated Income Loan
Our stated income loan is structured for those borrowers with non-traditional or sporadic income sources. At RGC Capital we might not require income taxes, W-2, 1009’s or paycheck stubs to qualify for a loan.
Main Features:
- 30 year fixed
- Loans from $250K to $6M
- Up to 75% LTV
- Rates Start at 8.75%
Alternative Documentation Loan
Our Alternative Documentation loan allows for flexibility in using different forms of documentation to verify your income. For borrowers with non-traditional income sources, self-employed or freelancers, this is the loan program for you.
Main Features:
- 30 year fixed
- Loans from $250K to $4M
- No Income Taxes
- Up to 80% LTV
- Rates start at 7.75%
Fix and Flip Loan
Our fix and flip loan program is short term financing designed for real estate investors seeking to renovate properties and sell them for a profit. We provide financing for acquisition and rehab costs as well.
Main Features:
- 12 Months
- Loans from $250K to $2M
- Up to 90% of the Purchase Price
- 100% OF Renovation Cost
- Rates start at 10.5%
Construction Loan
RGC Capital provides nationwide construction loans for owner or non-owner-occupied commercial property, refinancing an existing facility, acquisition of property, tenant improvements, or new construction. RGC Capital provides financing to meet all your ground-up constructions needs. Our loan program offers 06 – 24 months term with interest rates starting 10.99% to ensure your project is successfully funded.