WHO WE AREAbout Reserve LendingA direct private lender for real estate investors, builders, and landlords. Six loan programs, one relationship, and the same standard on every deal.
What Is the Reserve Standard?
The Reserve Standard is a faster, more personal way to finance your real estate investments. It is what you get on every deal, not just the first one.
Fast, Reliable Execution
We move as quickly as you do. Soft quotes come back in 24 hours or less, and once you accept, the file goes into processing and can be underwritten, approved, and clear to close in as fast as 72 hours, subject to clean title and appraisal. On construction and rehab files, draws are released on photo verification and wired within 24 hours, with no inspection to schedule.
Send Your Documents Once
Your entity and borrower documents are collected once, at the start of the relationship, and kept securely on file. From then on we underwrite the deal in front of us. You are not rebuilding your file on your fourth loan because of paperwork you already submitted on your first.
No Tax Returns
Our financing is for business purposes, and qualification is based on the property, the transaction, and your track record rather than personal income documentation. DSCR rental loans qualify on the property’s rent against its payment at a 1.05 minimum. No tax returns, no W-2s, and no debt-to-income test.
One Dedicated Point of Contact
You are paired with an experienced account manager who remains assigned to your relationship and works across every transaction you bring us. The same person handles your first deal and your hundredth, so you are never re-explaining your business, your entity structure, or your strategy to someone new.
Built by Investors for Investors
We approach every transaction as a deal partner. Before we price a loan we look at the numbers the way you would: the purchase, the budget, the exit, and whether the project actually makes money. If we think a deal is wrong we will say so, even when we could fund it. A loan that loses you money is not one we want on our books either.
Built to Grow With You
Whether you are buying your first investment property or managing an established portfolio, our programs are built to move with you. Leverage improves as your track record does, and our product line runs from a 12-month fix and flip to a 30-year hold, so a change in strategy does not have to mean a change in lender. We help new investors become experienced operators, and we help experienced operators scale.
Fast answers. Consistent service. Strategic guidance. That is the Reserve Standard.
A lender built around repeat business
Reserve Lending is a direct private lender for real estate investors, builders, and landlords. We finance fix and flip, ground-up construction, DSCR rentals, HELOCs, and commercial bridge and permanent loans, and we underwrite every deal on its own facts rather than running it through a scorecard.
Our business is built on repeat borrowers, so we look at whether a project actually makes money before we price it, because an operator who does well on this deal is an operator who comes back for the next one. Borrowers work with a dedicated account manager who reviews the deal and structures the financing, and who stays with them from one deal to the next.