Bridge
Starting at 9.5% · 12–24 months · up to 75% LTV
Short-term capital to close fast, buy time on a repositioning, or stabilize before permanent debt.
Lending
Capital that understands the deal it's funding.
Real Estate Royce places private and creative capital — and underwrites it like an investor, because that's what we are. Terms shown are typical starting points, not quotes.
Loan Programs
Loan programs we place.
Fix-and-Flip
Starting at 10.5% · up to 90% LTC · rehab draws
Purchase plus rehab with draw funding tied to inspected milestones.
DSCR / Rental
Starting at 7.25% · 30-year options · 1.15x DSCR typical
Qualify on the property's cash flow instead of personal income. Entity vesting welcome.
Construction
Varies · interest-only during build · draw schedule
Ground-up and heavy value-add financing with a draw schedule mapped to the build.
Gap / Mezzanine
Varies · behind senior debt · deal-by-deal
The layer between senior debt and your equity, priced to the risk actually being taken.
Transactional Funding
Flat fee · same-day to 72 hours
Proof-of-funds and same-day closings for assignable and back-to-back transactions.
Private Money Partnerships
Structured case by case
Equity or profit-share participation where the deal and the operator justify it.
All rates, leverage, and terms shown are illustrative starting points and vary by borrower, property, market, and deal structure. All lending products are subject to underwriting, approval, and applicable law.
Funding Methods
7 Ways to Fund Your Next Deal
01
Cash & Conventional / DSCR
Pay cash or use a bank or DSCR loan qualified on income or the property's rent. It's the lowest-cost money when you and the property both qualify.
Best for · Stabilized rentals and buyers with strong credit or reserves.
02
Hard Money & Bridge
Short-term, asset-based loans that close in days, not months. Higher rates are offset by speed and leverage on the purchase and rehab.
Best for · Fix-and-flips, BRRRR, and time-sensitive acquisitions.
03
Private Money
Capital from individuals in your network, secured by the property on terms you negotiate. Flexible, relationship-driven, and fast when the trust is there.
Best for · Operators with a track record and a trusted network.
04
Seller Financing
The seller acts as the bank and carries a note for part or all of the price. Terms, rate, and down payment are negotiated directly.
Best for · Free-and-clear sellers who want steady income or tax deferral.
05
Subject-To (Sub2)
You take title while the seller's existing mortgage stays in place and you make its payments. You keep the seller's rate and terms without a new loan.
Best for · Low-rate loans, motivated sellers, and little equity.
Subject-To transactions leave the existing loan in the seller's name, and most mortgages contain a due-on-sale clause that allows the lender to call the loan due. Real Estate Royce provides consulting only. All Sub2 transactions must be reviewed by a licensed real estate attorney and closed through a title company. This is not legal, tax, or lending advice.
06
Joint Venture / Equity Partners
Partners bring cash in exchange for a share of profits or ownership. You bring the deal, the work, and the execution.
Best for · Larger deals and operators short on capital, not skill.
07
Lease Options
Control a property by leasing it now with the right to buy later at a set price. Low upfront cost with time to build equity or line up financing.
Best for · Buyers repairing credit and sellers who aren't in a rush.
Pre-Qualification Inquiry
Tell us about the deal. We'll tell you what's fundable.
This is an inquiry, not an application, and it is not a commitment to lend. Submitting it does not affect your credit.