Investment property loans made easy

Fast, Reliable Fix and Flip and DSCR Loans For Investment Properties in 35 States
Funded Loans Graphic

Investment Property Loan Products

Fix and Flip Loan

Funding For Purchase + Rehab

$50,000 up to $3,000,000

Interest Rate 10.5%-11.75%

Origination Fee From 1.5%

Up to 90% of Purchase and 100% of Rehab

Fix and Flip Loans For Begginers Allowed

DSCR Loans

30 Year Loans For Rental Properties

Up to $2,000,000

Interest Rate 6.25%-7.99%

Origination Fee From 0%

Up to 80% of LTV

Ground Up Construction

For New Builds With Plans In Place

Up to $3,000,000

Interest Rate 10.99%-12.25%

Origination Fee From 2.0%

Up to 75% of Purchase and 100% of Construction

Up to 90% LTC

In 35 States Across The u.s.

Where we lend

Ridge Street provides DSCR loans and hard money loans to real estate investors across the United States.
Wyoming
Wyoming
Wisconsin
Wisconsin
West Virginia
West Virginia
Washington
Washington
Texas
Texas
Tennessee
Tennessee
South Carolina
South Carolina
Pennsylvania
Pennsylvania
Rhode Island
Rhode Island
Ohio
Ohio
Oklahoma
Oklahoma
North Carolina
North Carolina
New Mexico
New Mexico
New York
New York
New Hampshire
New Hampshire
Nebraska
Nebraska
Montana
Montana
Missouri
Missouri
Delaware
Delaware
Mississippi
Mississippi
Massachusetts
Massachusetts
Maryland
Maryland
Maine
Maine
Louisiana
Louisiana
Kentucky
Kentucky
Iowa
Iowa
Indiana
Indiana
Kansas
Kansas
Florida
Florida
Georgia
Georgia
District of Columbia
District of Columbia
Hawaii
Hawaii
Connecticut
Connecticut
Arkansas
Arkansas
Alabama
Alabama
Colorado
Colorado

Why Choose Ridge Street

Competitive Terms

In 2025, our average fix and flip loan was for 86.5% of the Purchase + 100% of the rehab at a rate of 10.75%. Our average DSCR loan had a rate of 6.975%.

Track Record

Ridge Street has worked with hundreds of real estate investors across the U.S. and is a trusted partner to get deals funded.

Quick Turn Around

Apply online in 2 minutes with our Quick Application. Receive your Term Sheet within 2 business hours. Close in 7-10 days.

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Reliable Financing

Integrity and honesty are the foundations of our business. When we commit to a loan, we make sure you close on time.

Ridge Street Client Reviews

Zach E.

Quick Closing Time

"Zach and the team did a great job getting my loan closed quickly. They were very helpful throughout the whole process. I always recommend Ridge Street to all the investors and developers that ask about a great lender. I will definitely continue to work with them on my future projects."

Jennifer H.

What An Amazing Experience

"I had an excellent experience with Zach Cohen. From start to finish, he was highly proactive and attentive to the loan process. He followed up daily, offered to help where he could and supported the entire loan process from start to finish. This company does what they say they're going to do. I will enjoy working with them again."

Yolanda R.

Absolute Pleasure

"It's was an absolute pleasure working with this company. I always have skepticism working with hard money lenders but this company blew me away! Fast response, coaching and advice through the whole process, and the most competitive terms out of all the lenders I spoke to. I will 100% work with them again."

Gigi K.

Closing in under 30 days

"The team made my loan process smooth and my closing was complete in less than a month. I reached out to several companies prior to Ridge Street and found their information was convoluted or their terms were not acceptable. One company led me on for weeks, proving to be a total waste of time. I wish I had connected with Ridge Street first and saved myself time and trouble."

Atilla A.

Incredibly Helpful

"Zach has been incredibly helpful, communicative, and diligent throughout every step of the process. I highly recommend working with Ridge Street Capital."

Amanda B.

Great Rate On DSCR Loan

"We bought a new construction rental from out of state and we used Ridge Street for the DSCR loan. They did a great job processing the loan quickly, they gave us a great rate, and were communicative throughout our engagement!"

Cheryl K.

90% LTC On First Flip

"Before closing our first deal, we struggled to find a lender that would offer us a 90% LTC for our first flip. We have now completed over 5 fix and flip projects and Ridge Street has been our lender on each one. For investors starting their house flipping business or those who are scaling up, I can’t recommend Ridge Street enough. This company does exactly what they say they’re going to do!"

Lekeisha B.

Funding Under 100K

"One of the few lenders who will fund under $100k loans. We needed a lender who would go below $100K and Ridge Street did. Loan closed in 30 days, standard process, no hitches. Will use them again for my small rental deals!"

PAST PROJECTS

A Proven Track Record Funding Projects Like These

House Flip Case Study In Fort Lauderdale
Funded

1668 SQFT

Fix and Flip Loan

3 Bedrooms

2 Bathrooms

  • Loan Amount: $490,000
  • Rate: 10.99%
  • LTC: 82.5%
  • Term: 12 Months
$490,000
Funded Fix and Flip Loan Colorado
Funded

1,102 SQFT

Fix and Flip Loan

2 Bedrooms

1 Bathrooms

  • Loan Amount: $288,100
  • Rate: 11.25%
  • LTC: 90.00%
  • Term: 12 Months
$288,100
Funded New Hampshire DSCR Loan
Funded

Airbnb

DSCR Loan

Single Family

DSCR 1.12

  • Loan Amount: $580,000
  • Rate: 7.275%
  • LTV: 80.00%
  • Term: 30 YR FRM
$580,000
Single Family Home Fort Lauderdale
Funded

3246 SQFT

Fix and Flip Loan

4 Bedrooms

3 Bathrooms

  • Loan Amount: $728,000
  • Rate: 10.75%
  • LTC: 90.00%
  • Term: 12 Months
$728,000
Funded New York Fix and Flip Loan
Funded

1,722 SQFT

Fix and Flip Loan

4 Bedrooms

2 Bathrooms

  • Loan Amount: $1,120,000
  • Rate: 10.75%
  • LTC:  85.00%
  • Term: 12 Months
$1,120,000
Exterior photo of a northern florida beach house
Funded

2760 SQFT

DSCR Loan

5 Bedrooms

4 Bathrooms

  • Loan Amount: $651,000
  • Rate: 7.35%
  • LTV: 60.00%
  • Term: 12 Months

$651,000

Interested In Working With Us?

We work with real estate investors across the country every day. How can we help?

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Active Deal

I have an active deal and would like a Term Sheet.

Term Sheet
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Pre-Approval

I’d like to to get pre-approved so I can find my next deal.

Pre-Approval
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Schedule A Call

I’d like to schedule a call.

Schedule Call

READY TO GET
STARTED

With Ridge Street, obtaining a loan for your investment property is quick and simple. You can get pre-approved online and a Term Sheet that meets your needs will be sent to you within 1-2 business hours.