Financing for RealWealth investors, from a lender who is one.
Ridge Lending Group is the investor-focused lender that works alongside RealWealth, the real estate education and investing community founded by Kathy Fettke. If you are a RealWealth member buying rental property, Ridge finances non-owner-occupied deals in 49 of the 50 U.S. states, with conventional Golden Ticket loans, DSCR loans, bridge loans, and the All In One Loan™, a first-lien HELOC.
Ridge is a second-generation, education-first lender run by Caeli Ridge, an active investor who has held 42 properties at one time, with a team carrying 60+ years of combined experience working almost exclusively with real estate investors. Your consultation is free, starts with a real person, and requires no Social Security number to begin. We run your numbers, map your Golden Tickets, and tell you which loan the math actually points to.
“You are part of RealWealth because you want proven strategies and straight answers. I have worn both hats, investor and lender, and the right financing strategy makes all the difference. Bring your goals and let's do the math together.”
Caeli Ridge, CEO of Ridge Lending Group
What RealWealth teaches, Ridge finances
RealWealth teaches the strategy
Market research, turnkey providers, and a community of investors who compare notes. You arrive knowing what you want to buy and why.
Ridge builds the financing plan
We map your qualifying picture across the whole portfolio: which deals get Golden Tickets, when DSCR takes over, and how the order protects your buying power.
Education first, on both sides
No scripts and no call-center handoffs. You talk to an Investor Success Coordinator who knows the investor playbook, because that is all we do.
The programs RealWealth investors use most
Every one qualifies differently, and the order you use them in is the strategy. We map that order with you.
Conventional (Golden Tickets)
Fannie Mae and Freddie Mac financing, up to ten financed properties per qualified investor. Typically the most competitive money you can get, so the order you spend them in matters.
Read the program pageDSCR Loans
The property qualifies itself: rent against the payment, no personal DTI test, no tax returns as the driver. The workhorse for scaling past the conventional limit.
Read the program pageAll In One Loan™
A first-lien HELOC attached to a checking and savings account. Daily simple interest, and your idle cash drives the balance down dollar for dollar.
Read the program pageBridge Loans
Short-term capital for renovations and fast closings, sized to the after-repair value with a named exit. Typically 6 to 24 months.
Read the program pageKathy Fettke and Caeli Ridge: 2026 Lending Update
Kathy Fettke of RealWealth sits down with Caeli Ridge to break down mortgage rates, credit standards, and investor loan availability in 2026.
A free masterclass, built for this
Many RealWealth members buy through turnkey providers. Our free Turnkey Properties Masterclass covers reading a market, financing on the property's cash flow, vetting operators, and running a lower-touch rental, in five self-paced modules.
Start the Turnkey Properties courseEducational content only, not a rate quote or a commitment to lend. Ridge Lending Group and RealWealth are independent companies; this page describes a referral relationship, not an endorsement of specific investment outcomes. Programs, guidelines, and eligibility vary by the deal and are subject to change. All loans are subject to credit and underwriting approval. Not all applicants will qualify. Ridge Lending Group is a DBA of Geneva Financial, LLC, NMLS #42056, licensed in 49 states and not lending in New York. Equal Housing Lender.