Fix and Flip Loan

Great experience with Ridge Street Capital. Zach and Emily were super professional, available and walked me through the purchase of my investment property. Looking forward to doing it again real soon!

I’ve had a great experience working with this lender on several investment property purchases in Florida. They have consistently been professional, knowledgeable, responsive, and very easy to work with.Real estate transactions can sometimes get complicated, especially with investment properties, but their team has always made the financing process smooth and straightforward. Communication has been excellent, and I’ve always felt confident that everything was being handled properly and on time.After completing multiple transactions with them, I can confidently say they have become a trusted lending partner for my real estate investments. I truly appreciate their service and would highly recommend them to anyone looking for a reliable and professional lender.

Huge shout-out to Ridge Street Capital! I just closed on a single-family rental in San Antonio, and they were awesome from start to finish. Ridge Street knew exactly how to work with my Texas Series LLC, and they cleared underwriting incredibly fast across a super tight closing, never letting things drag - even with holiday weekends in the mix. Zach and Emily were the best operators to work with and made the whole journey clean and efficient. There's no thinking twice about who I'll be going with for the next property! If you want a fast, no-nonsense lender who actually understands investors, Ridge Street is definitely the real deal.

This was a great experience. Zach at ridge st understood what I am trying to do with my money and investments. My bank of 35 years didn't get it. The process was mapped out nicely and required very little from me. Will be working with Ridge Street, again.

Zach and Emily made the process super easy, with clear communication and an on time closing- perfect DSCR experience! I'll definitely be reaching to work with them on my next investment purchase.

I had an excellent experience with with Ridge Street Capital. I work in real estate for a living and I have delt with many lenders over the years. Ridge Street Capital was the only one I found that could do the deal I needed to get done! They were very communicative, helpful and detailed throughout the process! Everything closed on time in 30 days and they will be the first people I call for my next real estate investment.

I honestly can’t say enough good things about our experience with Ridge Street Capital! We recently went through a mortgage refinance, and from start to finish the entire process was so smooth and efficient.

Zach was absolutely amazing. He truly listened to me, took the time to understand my concerns, and was always there to answer my questions. I never felt like I was bothering him or asking too many questions — he was patient, knowledgeable, reassuring, and always gave me great information and guidance so I felt comfortable with every decision we made.

Emily was wonderful as well! She was incredibly helpful and made sure everything continued moving along smoothly. Everyone else we worked with throughout the process was just as helpful, responsive, and professional.

They listened, communicated with us, and made sure we understood what was happening every step of the way. That made such a difference, especially with something as important as refinancing.

We are so happy we chose to work with them and couldn’t have asked for a better experience. I would recommend Ridge Street Capital without hesitation. Thank you all for making what could have been a stressful process feel so easy!

Definitely a 5-star experience from beginning to end!

I recently worked with Ridge Street Capital and was impressed by how smoothly everything came together. They were patient with my questions and kept me informed throughout.

We have worked with several DSCR lenders over the years, and Ridge Street Capital has been, by far, the best experience we’ve had. Zach and Emily made the entire financing process smooth, efficient, and as stress-free as possible. Their communication was excellent, they kept us informed every step of the way, and they were always quick to answer our questions. We truly appreciated their professionalism and dedication to getting our loan closed on time (actually ahead of schedule). We look forward to working with Ridge Street Capital again on future investment properties and highly recommend them to anyone seeking DSCR financing.

Excellent Communication and Client Advocacy

I had an excellent experience with Zach Cohen. From start to finish, he was highly proactive and attentive to the loan process--advocating for our mutual client's needs. He followed up daily, offered to help where he could and supported the entire loan process from start to finish. I would enjoy working with him again.

Zach and the team at Ridge Street are…

Zach and the team at Ridge Street are very organized and wonderful to work with. We were able to process and have their loan closed very quickly due to the great communication and knowledge of their team. Highly recommend doing business with Ridge Street! We are Visio Lending look forward to working with them again soon. Great job team!

Great experience!

Zach did a great job getting my loan closed quickly. He was very helpful throughout the whole process. I will work with him again!

Zach was very friendly and informative

Zach was very friendly and informative. Highly recommend RIDGE STREET CAPITAL!

Great experience from start to finish

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

Zach Cohen

Zach Cohen, Ridge Street Managing Partner, 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.

Great Company for DSCR

I reached out to zachary last minute about 3 loans i needed as i was switching from conventional to dscr. He was very helpful with the whole process. Smooth, fast and prompt. Was able to close on all 3 properties

Everything went smooth, fast and easy to understand

Im happy with the service that I received from Zachary. Everything went smooth, fast and easy to understand. Good job.

Sincerely Mario.

Excellent service and support throughout

Ridge Street Capital was fantastic to work with from start to finish. Zach was especially great—super responsive and knowledgeable.The entire team was professional, supportive, and made the whole process feel smooth and stress-free. Really wonderful experience overall and I wouldn’t hesitate to work with them again or recommend them to others.

Excellent Experience for our First Property

We had a great experience working with this team on our first short-term rental purchase. Zach was fantastic throughout the entire process. He is knowledgeable, responsive, and genuinely invested in helping us succeed. As first-time STR buyers, we had a lot of questions, and Zach took the time to walk us through every step and make sure we felt confident in our decisions. We couldn’t have asked for a better experience and highly recommend working with this company.

I had a very positive experience…

I had a very positive experience working with Zach as my private lender. His customer service stood out immediately — he was responsive, patient, and clear in his communication. I especially appreciated his flexibility and willingness to work with my specific needs. The funding process moved at a moderate pace, but everything was handled professionally and exactly as discussed. I would confidently recommend Zach to anyone seeking a reliable and professional private lender.

My experience working with Ridge Street…

My experience working with Ridge Street Capital was amazing! Great customer service and communication. Highly recommend to everyone.

Excellent customer service . Honest . Results . I would recommend Zachary and his team to anyone . Great experience

Zachary and his team were honest , efficient, extremely knowledgeable and honest. It was a pleasure to deal with Members of Ridge Street Capital, and I would highly recommend this group to anyone - Stay away from banks - Call Ridge Street Capital !

Investment Properties in FL

We recently worked with this lender to finance the acquisition of four investment properties in Florida, and the experience exceeded our expectations.

Their team demonstrated a strong understanding of real estate investors’ needs, structuring the financing in a way that allowed us to move quickly and efficiently. Communication was clear throughout the entire process, and they were always available to answer questions and provide guidance when needed.

Closing multiple properties at the same time can often be challenging, but they managed the process smoothly and kept everything on track all the way to closing. Their professionalism, responsiveness, and ability to execute made a significant difference for our transaction.

We look forward to working with them again on future acquisitions and would highly recommend them to any real estate investor looking for a dependable lending partner.

A Lending Team That Knows How to Get Investor Deals Done

Zach, as the loan originator and Managing Partner, was knowledgeable, responsive, and efficient in structuring a DSCR loan option that aligned with my investment goals. He was straightforward, professional, and made the financing side of the transaction easy to understand from the outset.

Emily, as the loan processor, was equally outstanding throughout execution. She kept the process organized, communicated clearly, and ensured everything moved smoothly from underwriting through closing. Her attention to detail and responsiveness helped keep the transaction on track and minimized stress during what can often be a complicated process.

As a real estate investor, I value professionals who communicate well, execute efficiently, and solve problems proactively—and Zach and Emily absolutely delivered. The entire process was smooth, professional, and well-managed from start to finish.

I would confidently recommend Ridge Street Capital, Zach Cohen, and Emily Sarria to other real estate investors seeking DSCR financing or investment property lending solutions, and I would absolutely work with them again.

Great experience!

Zach and Emily were helpful and communicative!

Competitive, Professional, and Easy to Work With

I had a great experience working with Zach and Ridge Street Capital. I was already pretty far along with another lender, but Zach was able to come in with a more competitive offer and beat the rate I had been quoted.

He was professional, respectful, and easy to communicate with throughout the process. I also appreciated that he was proactive and thorough, especially with the timing being tight. The Ridge Street team helped keep everything moving and got the loan closed.

I would definitely recommend Zach and Ridge Street Capital to anyone looking for a competitive and responsive lender.

Highly Recommended! Will definitely use them again!

I normally don't take the time to leave reviews, but this one is highly earned. I work in real estate myself and I've done many deals with lenders and this was by far one of the easiest deals I've done. I was looking for a DSCR loan for myself and unfortunately nobody locally lended on anything where the financed amount was under 100k. I got on Google, found Ridge Street Capital and reached out. I think it was on a Friday after hours and Zach the owner was kind enough to pick up the phone and run through the numbers. We went under contract and the process was smooth. The information given was straight forward and clear throughout the process. Zach and Emily answered all the questions I had and even helped overcome some obstacles I had at the end. I highly recommend them and will definitely be working with them again in the future.