The full stack, across every chapter of a portfolio.
Most lenders sell out of one box and call everything else a no. We run a full stack of programs built for the real estate investor, and we tell you which one the math actually points to. Start with the two we reach for most.
Conventional Loans (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.
Explore the programSignatureAll In One Loan™ (First-Lien HELOC)
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.
Explore the programDSCR 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.
Explore the programBridge 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.
Explore the programFHA 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.
Explore the programFHA 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.
Explore the programVA 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.
Explore the programEducational overview, not a rate quote or a commitment to lend. Pricing, structure, and eligibility vary by program, occupancy, credit, the property, and the deal, and are subject to change. FHA and VA programs require owner-occupancy. Ridge Lending Group, a DBA of Geneva Financial, LLC, NMLS #42056, is not endorsed by, or acting on behalf of, HUD, FHA, USDA, VA, or any agency of the federal government. Licensed in 49 states; not available in New York. All loans are subject to credit and underwriting approval. Not all applicants will qualify.
Not sure which one is your math?
Twenty minutes with a real person. No SSN to start. We look at where you are and tell you which program the numbers actually point to.
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