Education

The heart of what we do is teach people how to skillfully navigate real estate investment and lending. Beyond the experience and the deep-rooted understanding that we have for mortgage lending and structuring loans to benefit investors for a lifetime, we also pilot first-time investors through the waters of their first property.

If you are new to real estate investment, please join our mastermind group for tips and support and get to know members of the
Ridge Lending Group Community.

Differences on Refinance on Investment Properties. There are three types: delayed cash-out; standard cash-out; rate and term
Rate and Term: Replacing a loan for a new one, whether to secure better rates, get out of a hard money loan or change loan term
Delayed Cash-Out Refi: Requires no seasoning when needing to use the ARV to determine the loan amount based on the loan-to-maximum value
Standard Cash-Out Refi: Has a seasoning requirement of 6 months of title ownership by the individual before they’re able to use that ARV

In this video, Caeli from Ridge Lending Group discusses the needs and restrictions of conventional financing through a single-member LLC. This video also explains the Due On Sale Clause and Quit Claim Deeds, sometimes known as Warranty Deeds.

Benefits of working with RLG: Nationwide lender with a combined total of over 60 years’ experience and in-depth knowledge of non-owner-occupied lending. Remarkably diverse line of products for investors.
RLG is not going to be a good fit for the individual who is purchasing commercial properties under $400k or residential properties under $80k. Mobile homes and storage units are not their wheelhouse.

In this video, Caeli Ridge explains how ARV, or After Repair Value, is a figure used in the BRRR Method (Buy, Rehab, Rent, Refi) for real estate investment.
Loan granted based on the loan-to-value derived from the ARV — 75% of the ARV (for example, if you purchase a $50k house and work out another $25k for renovation, and the ARV is $100k, you will secure $75k minus closing costs)

Caeli Ridge explains the three different types of Cash-Out Refinance available for residential properties. Rate and Term Cash Out Refi, where you basically swap out one loan for another. Delayed Cash Out Refi, which is faster but has certain limitations. And Standard Cash Out Refi, which is slower but more flexible.

Caeli Ridge explains what kind of credit qualifications are required for your commercial and real estate investment projects, such as for Rapid Acquisitions. Caeli also gives some tips on improving your credit score for more favorable investment property loans and terms.
There are 10 conventional loan spots for qualified borrowers. 1-6: There are no fast and hard rules. Credit score isn’t as important for loan approval as debt-to-income ratio and assets. 7-10: You must maintain a minimum middle credit score of 720 or greater to qualify, no exceptions.
Optimization trick: For Rapid Acquisitions, running credit score before all the mortgage debt starts hitting will buy the borrower time to purchase more properties since the report is valid for 120 days.

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Caeli Ridge’s background and experience. Real estate investor for 20+ years. Held 42 properties across the nation.
Brief overview of RLG – second-generation company focused exclusively on the non-owner-occupied sector of lending. It’s not a one-size-fits-all lender. Preferred lender of 12 dozen turnkeys around the country.
Educational piece from the lender’s perspective. Importance of ROI, DTI (debt-to-income), assets, credit scores to secure best rates.
Four basic prongs of financing available for real estate investors:
1. Fanny Freddie: Also referred to as Golden Tickets, highest leverage at the lowest rate, 10 Golden tickets per qualified borrower.
2. Non-QM (Non-Qualified Mortgage): When the 10 Golden tickets are exhausted, investors organically move into Non-QM.
3. Short-term Fix-And-Flip: Quicker return, fast closing.
4. Commercial Properties: Used for non-residential properties or cross-collateralization (multiple residential properties placed into one blanket commercial loan — entity-secured loan).

In this video, Caeli Ridge explains how ARV, or After Repair Value, is a figure used in the BRRR Method (Buy, Rehab, Rent, Refi) for real estate investment.
Loan granted based on the loan-to-value derived from the ARV — 75% of the ARV (for example, if you purchase a $50k house and work out another $25k for renovation, and the ARV is $100k, you will secure $75k minus closing costs)

Caeli Ridge explains what kind of credit qualifications are required for your commercial and real estate investment projects, such as for Rapid Acquisitions. Caeli also gives some tips on improving your credit score for more favorable investment property loans and terms.
There are 10 conventional loan spots for qualified borrowers. 1-6: There are no fast and hard rules. Credit score isn’t as important for loan approval as debt-to-income ratio and assets. 7-10: You must maintain a minimum middle credit score of 720 or greater to qualify, no exceptions.
Optimization trick: For Rapid Acquisitions, running credit score before all the mortgage debt starts hitting will buy the borrower time to purchase more properties since the report is valid for 120 days.

Differences on Refinance on Investment Properties. There are three types: delayed cash-out; standard cash-out; rate and term
Rate and Term: Replacing a loan for a new one, whether to secure better rates, get out of a hard money loan or change loan term
Delayed Cash-Out Refi: Requires no seasoning when needing to use the ARV to determine the loan amount based on the loan-to-maximum value
Standard Cash-Out Refi: Has a seasoning requirement of 6 months of title ownership by the individual before they’re able to use that ARV

Benefits of working with RLG: Nationwide lender with a combined total of over 60 years’ experience and in-depth knowledge of non-owner-occupied lending. Remarkably diverse line of products for investors.
RLG is not going to be a good fit for the individual who is purchasing commercial properties under $400k or residential properties under $80k. Mobile homes and storage units are not their wheelhouse.

Our team is going to work with you one-on-one to answer your questions and add incredible value, but we are mindful of your time. Here are some questions that we are often asked — and the answers.

Depending on where you are in the acquisition of properties, the credit score requirement changes. A person could qualify for an investment loan with a score in the mid 600’s, but this would require the individual’s application to have compensating factors — items such as strong assets or low DTI (debt to income). Once an investor reaches loan spots 7-10, however, credit score rules change and require a minimum middle credit score of 720 without exception.

Education

Listen to Our Podcasts

Demystifying All-in-One Loan 101

Investor Mortgage Loan FAQs with Ridge Lending Group’s Caeli Ridge

Financing Single Family Homes

A New Creative Way To Finance Rentals With Caeli Ridge

Leverage Plus Real Estate – The Perfect Storm with …

Mortgages for Investment Interview

Brain Pick A Pro – Caeli Ridge – Larry Goins

Trump Could End Fannie & Freddie Backing with Caeli Ridge

Specialty Mortgage Loan Products

How To Qualify For Income Property Loans

Listen to the Ask Christina First Episode

Rental Income Podcast With Dan Lane

The High Speed Podcast with Dr. Forrest Bryant

New 1st Lien HELOC (All-In-One Loan)

Financing For Income Property Investors

Will 30-Year Mortgages Disappear? With Caeli Ridge

Coronavirus - How the Mortgage On Your Investment Property is Being Affected

Golden Ticket Loans While Rates Raise

Advertise on Rental Income Podcast With Dan Lane

Interview with Caeli Ridge by Ask Christina First

How To Qualify For Profits Residence Financial loans

Understanding Investment Lending

Prequalification

Lending

Guidelines

Investment Terminology

Start Your Journey with Ridge Lending Group

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