# Ridge Lending Group > Ridge Lending Group is a second-generation, education-first lender for real estate investors. A DBA of Geneva Financial, LLC (NMLS #42056), licensed in 49 states. Run by Caeli Ridge, a real estate investor who has held 42 properties at one time. Built by an investor, for investors. ## Loan Programs - [Conventional Loans (Golden Tickets)](https://www.ridgelendinggroup.com/loan-products/conventional-golden-tickets): Fannie Mae and Freddie Mac financing. The most competitive pricing and the most borrowing power an investor can get, up to ten financed properties per qualified investor. The first product we reach for. - [All In One Loan™ (First-Lien HELOC)](https://www.ridgelendinggroup.com/loan-products/all-in-one): A first-lien HELOC 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. - [DSCR Loans](https://www.ridgelendinggroup.com/loan-products/dscr-loans): Qualify on the property's cash flow, not your personal income. If the rent covers the payment, the property carries the loan. Built for scaling a rental portfolio. - [Bridge Loans](https://www.ridgelendinggroup.com/loan-products/bridge-loans): Short-term capital for renovations, fast closings, and transitions, sized to the after-repair value with a clear exit. Typically 6 to 24 months. Higher cost in exchange for speed when timing matters. - [FHA Loans](https://www.ridgelendinggroup.com/loan-products/fha-loans): A government-backed, owner-occupied loan with a low down payment and flexible credit. Buy up to a four-unit, live in one, and rent the rest. A real on-ramp for new investors. - [FHA 203k Loans](https://www.ridgelendinggroup.com/loan-products/fha-203k-loans): One owner-occupied loan that rolls the purchase and the renovation budget together, with the low-down-payment profile of standard FHA. Built for a live-in value-add. - [VA Loans](https://www.ridgelendinggroup.com/loan-products/va-loans): For eligible veterans, a path to a primary residence with no down payment requirement. Buy up to a four-unit, live in one, and rent the others to start a portfolio. ## Strategies - [Scaling Past 10 Properties](https://www.ridgelendinggroup.com/strategies/scaling-past-10-properties): Conventional financing stops at ten financed properties. Here is how investors move into DSCR and portfolio loans to keep buying past the Fannie Mae limit. - [The BRRR Method Financing Guide](https://www.ridgelendinggroup.com/strategies/brrr-method-financing): Buy, rehab, rent, refi. The hard part is the financing sequence. How to go from short-term rehab capital to a long-term refinance. - [DSCR vs. Conventional Loans](https://www.ridgelendinggroup.com/strategies/dscr-vs-conventional-loans): Your personal income or the property's cash flow? A side-by-side on closing speed, pricing, down payment, and when each one is the right call. - [Financing Short-Term Rentals](https://www.ridgelendinggroup.com/strategies/short-term-rental-financing): Many lenders reject income tied to Airbnb or VRBO. How DSCR loans can qualify a vacation rental on projected short-term rental revenue instead. - [The All In One Loan™ for Principal Reduction](https://www.ridgelendinggroup.com/strategies/all-in-one-loan-principal-reduction): Run rental income through a first-lien HELOC with daily simple interest and drive principal down faster than a traditional amortized loan. - [Hard Money vs. Bridge Loans](https://www.ridgelendinggroup.com/strategies/hard-money-vs-bridge-loans): Two terms investors use interchangeably, and one real difference. A bridge loan is built around the deal and its exit. True hard money is quick cash against equity. - [Financing Real Estate Under an LLC](https://www.ridgelendinggroup.com/strategies/financing-real-estate-under-an-llc): Conventional loans usually close in your personal name. How DSCR, commercial, and portfolio loans let you borrow and close in the name of an entity. - [Rental Portfolio Loans](https://www.ridgelendinggroup.com/strategies/rental-portfolio-loans): Tired of juggling a dozen mortgages? How a portfolio loan rolls multiple properties into one loan with one payment, and what you trade for it. - [Bank Statement Loans for the Self-Employed](https://www.ridgelendinggroup.com/strategies/bank-statement-loans-self-employed): Strong cash flow, low net income on the tax return. How bank statement and other Non-QM products prove your borrowing power without W-2s. - [Foreign National Real Estate Financing](https://www.ridgelendinggroup.com/strategies/foreign-national-financing): No Social Security number and no U.S. credit history? How foreign nationals can use DSCR and ITIN financing to qualify on the property's cash flow. ## Education - [Education Portal](https://www.ridgelendinggroup.com/education): Webinars, masterclasses, articles, guides, and checklists for investors. - [The All In One Loan™.](https://www.ridgelendinggroup.com/masterclasses/all-in-one): A self-paced first-lien HELOC course for real estate investors, taught the Ridge way: don't chase the rate, do the math. - [DSCR loans.](https://www.ridgelendinggroup.com/masterclasses/dscr): A self-paced course on the loan that qualifies on the property's cash flow, not your tax return. Don't chase the rate, do the math. - [House Hacking.](https://www.ridgelendinggroup.com/masterclasses/house-hacking): A self-paced course on the strategy that turns the home you live in into the property that pays for itself, taught the Ridge way: don't chase the rate, do the math. - [Turnkey Properties.](https://www.ridgelendinggroup.com/masterclasses/turnkey): A self-paced course on buying renovated, rented, and managed rentals out of state, taught the Ridge way: don't chase the pitch, do the math and vet the operator. - [The All In One Loan™: An Investor's Masterclass](https://www.ridgelendinggroup.com/masterclasses/all-in-one): A free five-module course on the first-lien HELOC. How the daily-interest sweep works, the honest paydown math, who it fits, and how to onboard. Each module has an audio overview from Caeli. ## Blog - [Investment Property Insurance: The Coverage That Protects Your Returns](https://www.ridgelendinggroup.com/newsletter/investment-property-insurance-the-coverage-that-protects-your-returns): Investment property insurance protects your returns when the coverage is built right: special form, replacement cost, and real liability limits. - [Beyond Single Family: Where Self-Storage and Distressed Notes Fit](https://www.ridgelendinggroup.com/newsletter/beyond-single-family-where-self-storage-and-distressed-notes-fit): Diversifying beyond single-family rentals into asset classes like self-storage and mortgage notes can steady your cash flow when the market cycle turns. - [How a Pacific Northwest Family Used the All In One Loan™ to Set Up Their Next Move](https://www.ridgelendinggroup.com/newsletter/from-owner-occupied-duplex-to-a-multi-state-real-estate-strategy): House-hacking a duplex is a strong way to start building real estate wealth. Scaling that into a multi-state strategy is a different problem entirely. - [Three Paid-Off Rentals. Still Couldn't Qualify for Number Four.](https://www.ridgelendinggroup.com/newsletter/why-the-investor-with-three-paid-off-properties-couldnt-buy-number-four): I had a conversation last week that I've had probably 200 times in the past year. - [Why the Investor Who Waited for Lower Rates Lost the Deal](https://www.ridgelendinggroup.com/newsletter/why-the-investor-who-waited-for-lower-rates-lost-the-deal): I had a conversation last week with an investor who's been sitting on the sidelines since October. - [Navigating a $764K California Closing With Strategic Precision](https://www.ridgelendinggroup.com/newsletter/navigating-a-764k-california-closing-with-strategic-precision): Client: Christopher. Loan Type: TBD Purchase (with a twist). Location: California. Loan Amount: $764,000. Final Closing: May 2025. - [Where Are Rates Right Now, and How Do We Get You Ready When They Move?](https://www.ridgelendinggroup.com/newsletter/where-are-rates-right-now-and-how-do-we-get-you-ready-when-they-move): Hey everybody, Caeli here. I put a lot of time into this one. - [She Almost Didn't Buy the House in Cleveland](https://www.ridgelendinggroup.com/newsletter/she-almost-didnt-buy-the-house-in-cleveland): Last fall, I was on the phone with one of our clients, let's call her Dana. - [85% LTV Real Talk: Fannie vs DSCR, and Why This Just Got Interesting](https://www.ridgelendinggroup.com/newsletter/85-ltv-real-talk-fannie-vs-dscr-and-why-this-just-got-interesting): There's a lot of buzz about 85% LTV investor loans—comparing Fannie Mae conventional to DSCR options. - [An Off-Market Single-Family Rental With Defined Upside Potential](https://www.ridgelendinggroup.com/newsletter/bakersfield-value-add-opportunity-potential-cash-flow): Ridge Lending Group is bringing an off-market opportunity to our valued customers—a single-family rental in East Bakersfield that may be worth evaluating. - [Finding Investment Properties in 2026: The Multi-Channel Approach](https://www.ridgelendinggroup.com/newsletter/finding-investment-properties-in-2026-the-multi-channel-approach): Let me guess – you've been scanning the MLS for weeks. Maybe months. And every property that pencils out gets 12 offers before you can even schedule a showing. - [Pay Off Properties Decades Faster While Staying 100% Liquid](https://www.ridgelendinggroup.com/newsletter/pay-off-properties-decades-faster-while-staying-100-liquid): If you're like most savvy investors I work with, you've built a solid portfolio of 3-10 properties (maybe even approaching 20), but here's the painful truth: your equity is essentially locked away. - [Maxed Out on Your 10 Golden Tickets? Here's What to Do Next](https://www.ridgelendinggroup.com/newsletter/maxed-out-on-your-10-golden-tickets-heres-what-to-do-next): As a real estate investor, reaching the point where you've used all 10 of your conventional "golden tickets" is actually a milestone worth celebrating. - [Beyond Your Backyard: How Out-of-State Investing Unlocks Higher Returns](https://www.ridgelendinggroup.com/newsletter/beyond-your-backyard-how-out-of-state-investing-unlocks-higher-returns): In 2025, savvy investors aren't just asking what to buy — they're asking where to buy it. - [Unlocking Value in Today's Real Estate Market](https://www.ridgelendinggroup.com/newsletter/unlocking-value-in-todays-real-estate-market): In 2025, the smartest real estate investors are no longer just asking where the biggest cities are or where the shiniest towers stand. - [The Golden Ticket Strategy: Maximizing Your 10 Fannie Mae and Freddie Mac Loans](https://www.ridgelendinggroup.com/newsletter/the-golden-ticket-strategy-maximizing-your-10-fannie-mae-freddie-mac): In the world of real estate investing, conventional loans backed by Fannie Mae and Freddie Mac represent the absolute best financing available. - [The Investor's Masterclass: Assumable Loans for Superior Returns](https://www.ridgelendinggroup.com/newsletter/the-investors-masterclass-leveraging-assumable-loans-for-superior-returns): In a real estate environment characterized by elevated interest rates and fierce competition, sophisticated investors are turning to an often-overlooked strategy: assumable loans. - [The All-in-One Loan: The Swiss Army Knife of Real Estate Investing](https://www.ridgelendinggroup.com/newsletter/the-all-in-one-loan-the-swiss-army-knife-of-real-estate-investing): Ever feel like your mortgage is about as exciting as watching paint dry? - [Creative Financing Strategies for Real Estate Investors](https://www.ridgelendinggroup.com/newsletter/creative-financing-strategies-for-real-estate-investors): In the world of real estate investing, conventional wisdom often points to traditional mortgages as the primary path to property acquisition. - [Where Do Interest Rates Really Matter?](https://www.ridgelendinggroup.com/newsletter/where-do-interest-rates-really-matter): The truth about interest rates and how they impact your real estate investments isn't as straightforward as many would have you believe. - [Understanding Your Real Portfolio Health: Beyond Basic Cash Flow](https://www.ridgelendinggroup.com/newsletter/your-real-portfolio-health-beyond-basic-cash-flow): In today's dynamic real estate market, successful investing requires looking beyond simple monthly cash flow calculations. - [3 Tips for Buying a Home Today](https://www.ridgelendinggroup.com/newsletter/3-tips-for-buying-a-home-today): If you put off your home search at any point over the past two years, you may want to consider picking it back up based on today's housing market conditions. - [Housing Recession, or Big Shift to Multi-Family?](https://www.ridgelendinggroup.com/newsletter/housing-recession-or-big-shift-to-multi-family): Residential construction numbers fell again in July, giving credence to Monday's National Association of Home Builders' (NAHB's) report detailing a near ten-year low in builder enthusiasm. - [Recourse vs Non-Recourse Loans](https://www.ridgelendinggroup.com/newsletter/recourse-vs-non-recourse-loans): What do you need to know about recourse vs non-recourse? Pretty simple actually. ## Where We Lend - [Map and licensed states](https://www.ridgelendinggroup.com/where-we-lend): Licensed in 49 states. Not available in New York. - [Pennsylvania investor reviews](https://www.ridgelendinggroup.com/where-we-lend/pennsylvania): What real estate investors in Pennsylvania say about working with Ridge. - [Florida investor reviews](https://www.ridgelendinggroup.com/where-we-lend/florida): What real estate investors in Florida say about working with Ridge. - [Indiana investor reviews](https://www.ridgelendinggroup.com/where-we-lend/indiana): What real estate investors in Indiana say about working with Ridge. - [Ohio investor reviews](https://www.ridgelendinggroup.com/where-we-lend/ohio): What real estate investors in Ohio say about working with Ridge. - [Washington investor reviews](https://www.ridgelendinggroup.com/where-we-lend/washington): What real estate investors in Washington say about working with Ridge. - [Alabama investor reviews](https://www.ridgelendinggroup.com/where-we-lend/alabama): What real estate investors in Alabama say about working with Ridge. - [California investor reviews](https://www.ridgelendinggroup.com/where-we-lend/california): What real estate investors in California say about working with Ridge. - [Michigan investor reviews](https://www.ridgelendinggroup.com/where-we-lend/michigan): What real estate investors in Michigan say about working with Ridge. - [Tennessee investor reviews](https://www.ridgelendinggroup.com/where-we-lend/tennessee): What real estate investors in Tennessee say about working with Ridge. - [Texas investor reviews](https://www.ridgelendinggroup.com/where-we-lend/texas): What real estate investors in Texas say about working with Ridge. - [Arizona investor reviews](https://www.ridgelendinggroup.com/where-we-lend/arizona): What real estate investors in Arizona say about working with Ridge. - [Colorado investor reviews](https://www.ridgelendinggroup.com/where-we-lend/colorado): What real estate investors in Colorado say about working with Ridge. - [District of Columbia investor reviews](https://www.ridgelendinggroup.com/where-we-lend/district-of-columbia): What real estate investors in District of Columbia say about working with Ridge. - [Idaho investor reviews](https://www.ridgelendinggroup.com/where-we-lend/idaho): What real estate investors in Idaho say about working with Ridge. - [Maryland investor reviews](https://www.ridgelendinggroup.com/where-we-lend/maryland): What real estate investors in Maryland say about working with Ridge. - [Missouri investor reviews](https://www.ridgelendinggroup.com/where-we-lend/missouri): What real estate investors in Missouri say about working with Ridge. - [New Hampshire investor reviews](https://www.ridgelendinggroup.com/where-we-lend/new-hampshire): What real estate investors in New Hampshire say about working with Ridge. - [North Carolina investor reviews](https://www.ridgelendinggroup.com/where-we-lend/north-carolina): What real estate investors in North Carolina say about working with Ridge. - [Oklahoma investor reviews](https://www.ridgelendinggroup.com/where-we-lend/oklahoma): What real estate investors in Oklahoma say about working with Ridge. - [Oregon investor reviews](https://www.ridgelendinggroup.com/where-we-lend/oregon): What real estate investors in Oregon say about working with Ridge. - [Virginia investor reviews](https://www.ridgelendinggroup.com/where-we-lend/virginia): What real estate investors in Virginia say about working with Ridge. ## Legal - [Privacy Policy](https://www.ridgelendinggroup.com/privacy_policy) ## Optional - [Full content dump](https://www.ridgelendinggroup.com/llms-full.txt): Long-form Markdown of homepage TLDR, product pages, strategy articles, FAQ.