(786) 558-6670 info@reserve-lending.com

PRIVATE REAL ESTATE LENDINGBuilt on Relationships. Built to Scale.One point of contact, from your first deal to your 100th. That is the Reserve Standard.

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About UsThe Reserve Standard

The Reserve Standard is a faster, more personal way to finance your real estate investments.

We move as quickly as you do, with soft quotes in 24 hours or less and approvals in as little as 72 hours, so financing speed never costs you the deal. We approve the borrower once and underwrite on a deal basis from then on. Qualification is based on the property, the deal, and your experience rather than income documentation.

You are paired with an experienced account manager who works across all of your transactions and helps structure them from start to finish. We review the numbers and evaluate profitability before you move forward, and we will tell you when a deal does not work. Reserve Lending is built to support your growth, from a first investment property to an established portfolio.

Fast answers. Consistent service. Strategic guidance. That is the Reserve Standard.

See the Reserve Standard

Our Lending Process

Getting started is simple with a straightforward review of your investment opportunity.

Step 1: Send the basics

Property address, purchase price or value, rehab or construction budget, and how you plan to exit. No application, no document uploads, no credit pull.

Step 2: Soft quote in 24 hours, approved in as fast as 72 hours

We look at the property, the leverage, your experience, and the exit, and come back with a soft quote the next business day. Say yes and the file goes straight into processing. Underwritten, approved, and clear to close in as fast as 72 hours.

Step 3: Close on your timeline

One point of contact from quote through funding. We work to your closing date, not ours, subject to clean title and appraisal.

Services We OfferOur Loan Programs

Fix & Flip Loans

Fix & Flip Loans

Finance your next investment property with one loan covering purchase, renovation, and a smooth project completion process.
From 8.49% · Up to 90% LTC plus
100% of rehab · 12 months

See Program
Ground-Up Construction Loans

Ground-Up Construction Loans

Build your project with financing designed for land purchases, construction costs, and planned project timelines.
From 8.49% • Up to 90% LTC + 100% Construction • 12–24 Months

See Program
DSCR Rental Loans

DSCR Rental Loans

Grow your rental portfolio with financing based on property income instead of personal earnings or tax documents.
From 6.00% • Up to 80% LTV • 30-Year Fixed
See Program
Investor HELOC

Home Equity Line of Credit

Access your property’s equity for future investments, renovations, or business opportunities while keeping your first mortgage.
From 6.49% • Up to 85% CLTV • Funds in as few as 5 Days

See Program
Commercial Bridge Loans

Commercial Bridge Loans

Secure short-term financing for commercial property purchases, improvements, or time-sensitive investment opportunities with confidence.
From 8.99% • Interest-Only Available • 12–36 Months
See Program
Commercial Permanent Loans

Commercial Permanent Loans

Finance stabilized commercial properties with long-term loan options for purchases, refinancing, or accessing available equity.
From 5.80% · Up to 80% LTV · 5 to 30 years
See Program

Recently Funded Projects

$502,500

DSCR Rental Loan

Newark, NJ

Long-term financing for an income-producing rental property is qualified based on the property’s cash flow.

  • 5.80% · 75% LTV 
  • 30-year fixed
  • Closed March 2026

$144,000

Fix & Flip Loan

Augusta, GA

Financing for both the purchase and renovation of an investment property through a single loan.

  • 8.75%
  • 90% Purchase, 100% Construction
  • 12 months

$380,730

HELOC

Fort Lauderdale, FL

Flexible access to home equity to help fund future acquisitions and renovations.

  • 7.25% 
  • 75% CLTV
  • 5-year draw period, 30-year term

$136,000

Ground-Up Construction Loan

San Antonio, TX

Construction financing to support a residential investment project from the ground up.

  • 9.50%
  • 85% LTC
  • 12 months with a 6-month extension