Fix & Flip
Bridge acquisition capital for value-add residential investment property.
- Up to 95% LTC
- 12–24 months
- Up to $5M
Private Capital for Real Estate Investors, Builders and Developers
Ramm Financial provides direct lending and capital-market solutions for fix and flip, ground-up construction, DSCR rental, bridge, commercial real estate, and select business-financing opportunities.
Business-purpose financing. Nationwide program availability varies by transaction.
Nationwide Lending Reach
Preliminary Review Typically Within 24 Hours
Residential & Commercial Investment Financing
English & Spanish Support
Financing Programs
Capital Solutions Across Property Types and Deal Stages
Each program is structured around a specific transaction type and business-purpose financing need.
Ground-Up Construction
Residential construction capital to $5 million; larger projects route to the commercial platform.
- Up to 95% LTC
- 12–24 months
- Up to $5M residential
DSCR Rental
Long-term hold financing underwritten to property cash flow.
- Up to 80% LTV
- 30-year terms
- Up to $5M
Bridge Lending
Short-term capital for acquisition, repositioning, and stabilization.
- Up to 75% LTV
- 6–24 months
- Up to $5M
Commercial Real Estate
Commercial real estate and development financing above $5 million.
- Up to 80% LTV
- 5–30 year terms
- Above $5M–$100MM+
Business Funding
Working capital and growth financing across industries.
- 580+ credit
- Flexible terms
- $50K–$5M+
Why Ramm Financial
One Relationship. Multiple Capital Paths.
Broader Capital Access
Direct, affiliated, and institutional relationships mean a qualified transaction can be measured against more than one financing path — not a single lender’s product sheet.
Transaction-Focused Structuring
Every request is underwritten around the asset, the business plan, sponsorship, leverage, liquidity, and a credible exit — not a one-size-fits-all credit box.
Clear Execution
Direct feedback, transparent milestones, and a defined path from preliminary review through funding. When a deal does not fit, you hear why.
How It Works
From Preliminary Review to Closing
A structured four-step process from initial submission to funded transaction.
01
No Obligation
Submit the Scenario
Send the property, the financing request, the borrower profile, and the business plan behind the deal.
02
Typically 24 Hours
Receive Preliminary Feedback
We review the transaction against current lending parameters and available capital-market appetite.
03
Deal-Specific
Review Proposed Terms
Qualified scenarios receive preliminary terms covering structure, pricing, leverage, and key conditions.
04
Clear Milestones
Underwriting & Closing
Documentation, valuation, title, insurance, and final underwriting are worked to a scheduled close.
How fast a file closes depends on how complete it arrives, plus valuation, title, and how complex the structure is. A submission starts a review — it does not create a loan commitment.
Ramm Capital Insights
Guidance for Better Real Estate Financing Decisions
Practical notes on private lending, deal structuring, construction financing, DSCR loans, bridge capital, and how to present a stronger financing request.
Deal Preparation
How to Prepare a Real Estate Deal for Private-Lender Review
The documents, financials, project detail, and exit strategy a private lender actually reads first — and what a thin package costs you in time.
Loan Strategy
Bridge Loans vs. DSCR Loans: Choosing the Right Structure
How bridge and DSCR debt differ in underwriting, cost, and timeline — and which one fits an acquisition, a renovation, or a long-term rental hold.
Construction Finance
What Developers Should Include in a Ground-Up Construction Package
Plans, budgets, permits, sponsor experience, liquidity, and schedule — how each one moves leverage and pricing on a construction request.
Take the Next Step
Have a Transaction to Finance?
Submit the property and financing details for a preliminary review. Every submission gets direct, honest feedback.
Submitting a request does not create a loan commitment. Terms are indicative until underwriting, diligence, documentation, and credit approval are complete.