A second-generation lender for real estate investors. Built by an investor, for investors. Our team brings 60+ years of combined experience working alongside investors, and we are licensed in 49 of the 50 U.S. states, with a CEO who has held 42 properties at one time. We teach you the game, run the math with you, and stay with you deal after deal.
Ridge is the preferred lender for over 40 turnkey providers nationwide. Second-generation and investor-run, we focus almost entirely on investment property: 60+ years of combined experience, 49 of the 50 U.S. states covered, and a CEO who has held 42 properties at one time.
Most lenders sell out of one box and call everything else a no. We run six product lines built for the non-owner-occupied investor, and we tell you which one the math actually points to.
Fannie Mae and Freddie Mac loans. The most borrowing power and the most competitive pricing we offer. You only get ten per qualified investor (couples and business partners each eligible for their own ten), so we call those slots your Golden Tickets. The first product we reach for with newer investors.
ExploreDSCR stands for debt-service coverage ratio. The loan qualifies on the property's cash flow (the rent against the payment), not your personal income or debt-to-income. If the rent covers the payment, the property carries the loan.
ExploreEverything outside the Fannie and Freddie box. DSCR lives here, alongside bank-statement loans, asset depletion, and more. Generally about a point to a point and a half above conventional, all else equal.
ExploreShort-term bridge capital for fix-and-flip projects. Covers acquisition plus the rehab budget, so you can buy before you sell.
ExploreCommercial covers five units and up. Blanket loans cross-collateralize multiple residential properties under one loan. Both can be held by an entity and written non-recourse, meaning the entity is on the loan rather than you personally, so they do not spend Golden Tickets.
ExploreA first-lien HELOC (a home equity line of credit that replaces your mortgage), attached to a checking and savings account. Daily simple interest, open-ended and revolving. Your income drives the balance down dollar for dollar, and the money stays accessible. You become your own bank.
ExploreOur process is built so you understand every step, not just the destination. You see what is happening inside underwriting (the lender's review of your file), instead of being handed a yes or a no.
A real conversation with a real person. We learn your background, your portfolio, your goals, and your qualifying picture: your debt-to-income ratio (DTI), credit, assets, and rental income on your tax return (Schedule E).
We dig into your current properties, your cash flow, and your tax position. We map your qualifying ceiling and your runway. We tell you what you can do now and what you'll need to do differently to keep buying.
We build the loan strategy together. Not just for this property. For the next five. We close the loan, and we stay with you as your portfolio evolves, because qualifications are fluid, not static.
target 43% or below
utilization under 30%
assets on hand
deductions vs. qualifying income
Conventional financing runs to ten per qualified investor (couples and business partners qualifying separately are each eligible for their own ten). We track which slots you are sitting on. Illustrative figures. We map yours together in Discovery.
Talk to a real human. Understand the math. Build a portfolio, not just close a loan.
We teach you the game. Not because it sounds good in marketing copy, but because investors who understand underwriting buy more property, faster, with fewer mistakes.
We are investing heavily in AI to make our process faster and sharper. We are not using it to replace the person you talk to. When you call Ridge, you get a human who knows your portfolio. The tech serves the relationship, not the other way around.
Most lenders close a loan and move on. We are building toward your tenth loan and beyond, not your first. We are not one-size-fits-all: if you cannot qualify for the product you want today, we do not turn you away. We show you which seeds to plant, in what order, to cross that finish line. Qualifications change as portfolios grow. We change with you.
From the first-time buyer eyeing a first rental to the investor running 30-plus doors. The conversation starts where you actually are.
Doing your homework before the first non-owner-occupied deal. We start you on Golden Tickets and teach you the box before you are standing in it.
Told you were done at four properties? Most of the time that is the box another lender sells out of, not your actual qualifying picture. You probably have more room than you think.
Past the easy yeses and into real strategy. Conventional, DSCR, and non-QM working together across states, in the right order.
Running dozens of doors across multiple states. Commercial, cross-collateralization, and entity structures that match how you actually operate.
Buying through an LLC or a self-directed IRA. Non-recourse options held by the entity rather than you personally.
Strong residual income at month-end? The first-lien HELOC can make you your own bank. If the residual is thin, the math will tell us, and we will say so.
Caeli Ridge
CEO & Founder. Active real estate investor.
“I'm a fellow real estate investor. I've held 42 properties at any one time across the United States. I know what it feels like to layer financing on top of investing and watch the learning curve get steep. I built Ridge to be the lender I wish I'd had.”
Caeli Ridge, CEO of Ridge Lending Group
A lender who has held 42 properties is not the same as a lender who funds them.
Every claim, calculator, and product comparison is grounded in real amortization and real numbers, not marketing math.
We teach you how to manage DTI, credit, assets, and Schedule E across an entire portfolio lifecycle, not transaction by transaction.
Financing investment property is a different game than financing a primary home, and most lenders do not play it. The product you choose now decides what you can buy later.
If a question is not answered here, a real person will answer it. No scripts, no call-center handoffs, EVER.
No SSN to start. No autoplay marketing after. A licensed Investor Success Coordinator looks at your portfolio with you and tells you the truth about your next move.
