What are you financing?
Working alongside investors, brokers and closing partners
Programs
Every deal type runs through one portal.
Pick a program — same 7-step journey, same deal desk, structure built around your exit. Every request is reviewed individually; we quote the deals that fit.
Bridge / Hard Money
Acquisitions, repositioning, cash-out and time-sensitive closings. Interest-only with flexible structure.
from 8.99% · up to 75% LTV · 6–24 mo · $100K–$25M
Deal journey · RECO-DEMO-4A1F
$1,250,000 · Documents & E-Sign
71%
- Apply
- Quote
- Diligence
- Underwriting
- Terms
- E-Sign
- Funding
Rate estimator
Know your terms before you apply.
Move the sliders — the range updates live from our program grid. Rates from 7.99% to 23.99% by program, leverage and risk. Nothing here touches your credit.
Indicative terms · live
No credit pullRate range
8.99%–10.24%
Interest-only / mo
$5,619–$6,400
Points
1.5–3
Close in
~7 days
Indicative only — not a commitment to lend. Final terms follow underwriting.
Deal analyzer
Pencil the flip in 30 seconds.
Purchase, rehab and ARV in — max loan, cash to close, carry and profit out. Then get terms for exactly that deal.
Deal analyzer · fix & flip / bridge
Max loan
$486,000
90% LTC · 68% ARV
Cash to close
$68,220
down + 2 pts + closing
Carry cost
$25,491
6 mo interest-only
Est. profit
$97,089
142% cash-on-cash
Assumes 90% LTC / 70% ARV cap, 10.49% IO, 2 pts, $4,500 closing, 6% selling costs. Illustrative only.
0+
Deals reviewed
~1 in 4
Deals we fund
0 days
Average close (approved)
0%
Repeat borrowers
Illustrative figures · updated before launch
Borrowers on RECO
“Indicative terms in under a minute, final terms in six days. We closed a 12-unit before the bank even returned our call.”
Sample · M. Alvarez · Multifamily investor · Austin, TX · $1.4M bridge
Sample testimonials — replace with verified reviews before launch.
Why RECO
Six things a bank can't give you.
We review every deal personally and fund a limited number each month. If it isn't a fit, you hear it in days — not after 60 days of paperwork.
Deal journey · RECO-DEMO-4A1F
$1,250,000 · Documents & E-Sign
71%
- Apply
- Quote
- Diligence
- Underwriting
- Terms
- E-Sign
- Funding
RECO-DEMO-9C2B
$620,000 · Fix & Flip
SFR flip · Phoenix, AZ · Started Oct 15, 2026
28%
Step 3 of 7
- Apply
- Quote
- Diligence
- Underwriting
- Terms
- E-Sign
- Funding
Your next step · Due Diligence
Finish your checklist (5/9)
5 of 9 required items done
How it works
Seven steps. One portal. You always know what's next.
The same 7-step Deal Journey you'll see in your borrower portal — every step gets a check mark as it's completed.
- 1Start here
Indicative terms
60 seconds · no credit pull
- 2
Application
~10 minutes · saves as you go
- 3
Deal desk review
Quote issued only if the deal fits
- 4
Due diligence
Plaid bank link + document checklist
- 5
Underwriting
Collateral, sponsor, title, exit
- 6
Final terms & e-sign
Locked terms, sign online
- 7
Funding
Approved deals wire to closing in as little as 7 days
Works with your closing team
Bank verification, e-sign, title, insurance and ACH — connected.
Why private capital
RECO vs. the bank
Are we a match?
We don't fund every deal. Here's what we look for.
We'd rather tell you in 60 seconds than after 60 days. If your deal fits these, you'll see indicative terms immediately. If it's close but not quite, ask — we structure around the exit.
What we usually pass on
- Owner-occupied homes or primary residences
- Consumer-purpose or personal loans
- Deals without a clear, realistic exit
- Sponsors with no cash in the deal
- Unentitled raw land and remote rural assets
- Requests under $100K
FAQ
Straight answers.
No — and we say so up front. We review every request personally and fund a limited number of deals that fit our criteria: real collateral, a sponsor with cash in the deal, and a clear exit. If it isn't a fit, you'll hear it within days, not after weeks of paperwork.
Think your deal fits? Let's find out.
Indicative terms in 60 seconds. A real advisor the same day. We don't fund everything — but when a deal fits, approved files close in as little as a week.