REI Capital
5660 Strand Court
Naples, FL 34110
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About REI Capital
REI Niche Programs - CA NO appraisal 1st position loans - 65% LTV; 2nd position loans - 60% CLTV, NO minimum FICO, Defaults, foreclosure bail-outs, and bankruptcies OK, 6 mo prepay, cross multiple properties, Rural lower LTVs on a case-by-case ------ Nationwide Loans 75% Cash Out Refi on Currently Listed Properties for Sale (SFR, 2-4's) ---80% Cash Out Refi 1 - 2 yr Bridge Loan (SFR, 2-4's) ---No Experience Rehab & Construction ---No Doc, No FICO Commercial, Residential & Land Loans ---No Appraisal or Valuation Fee Loans on Residential Rehabs ---No Proof of Funds Required on Rental Purchases & Rehab Loans ---No Payment Loans, Points Rolled in on Rehab & Construction Projects ---Up to 80% ARV / 95% LTC Rehab Loans ---Loan Amounts - 300k - 5MM, Portfolios to 50MM ---Please visit our website for same day term sheets and complete program details at www.rei-cap.com, reach out by phone 844.448.8884 or email reic@rei-cap.com.
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Loan Types Offered: Hard Money Loans, Investment Property Loans, Fix and Flip Loans, Commercial Hard Money Loans, New Construction Loans, Refinance / Cash Out Loans, Bridge Loans
Property Types Covered: Single Family, Multi Family, Apartment, Office, Retail, Hotel, Storage, Assisted Living, Mixed Use, Warehouse, Industrial, Medical, Church, Land
Areas Served: National
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Lending Guidelines for REI Capital
Below are the general loan guidelines published on the REI Capital website. Please confirm all terms and rates directly with the lender.
Hard Money Loans
Loan Amounts: $250,000 - $100,000,000
Available Rates: 4.99% - 12.99%
Typical Terms: 1 months - 12 months
Points Charged: 2% - 4%
Max Loan-to-Value (LTV): 50%
Max Loan-to-Cost (LTC): 50%
Owner Occupied Allowed: NO
Interest Only Loans: YES
Prepayment Penalties: NO
Minimum FICO Score: 600
Time to Close: 1 DaysInvestment Property Loans
Loan Amounts: $250,000 - $100,000,000
Available Rates: 4.99% - 12.99%
Typical Terms: 1 months - 60 months
Points Charged: 2% - 4%
Max Loan-to-Value (LTV): 85%
Max Loan-to-Cost (LTC): 90%
Owner Occupied Allowed: NO
Interest Only Loans: YES
Prepayment Penalties: NO
Minimum FICO Score: N/A
Time to Close: 7 DaysFix and Flip Loans
Loan Amounts: $250,000 - $10,000,000
Available Rates: 6.99% - 12.99%
Typical Terms: 1 months - 18 months
Points Charged: 2% - 4%
Max Loan-to-Value (LTV): 90%
Max Loan-to-Cost (LTC): 90%
Owner Occupied Allowed: NO
Interest Only Loans: YES
Prepayment Penalties: NO
Minimum FICO Score: N/A
Time to Close: 10 DaysCommercial Hard Money Loans
Loan Amounts: $250,000 - $100,000,000
Available Rates: 4.99% - 12.99%
Typical Terms: 1 months - 60 months
Points Charged: 2% - 4%
Max Loan-to-Value (LTV): 85%
Max Loan-to-Cost (LTC): 90%
Owner Occupied Allowed: NO
Interest Only Loans: YES
Prepayment Penalties: NO
Minimum FICO Score: N/A
Time to Close: 10 DaysNew Construction Loans
Loan Amounts: $1,000,000 - $100,000,000
Available Rates: 7.99% - 12.99%
Typical Terms: 12 months - 24 months
Points Charged: 2% - 5%
Max Loan-to-Value (LTV): 80%
Max Loan-to-Cost (LTC): 90%
Owner Occupied Allowed: NO
Interest Only Loans: YES
Prepayment Penalties: NO
Minimum FICO Score: N/A
Time to Close: 2 WeeksRefinance / Cash Out Loans
Loan Amounts: $250,000 - $50,000,000
Available Rates: 4.99% - 12.99%
Typical Terms: 1 months - 60 months
Points Charged: 2% - 5%
Max Loan-to-Value (LTV): 80%
Max Loan-to-Cost (LTC): 90%
Owner Occupied Allowed: NO
Interest Only Loans: YES
Prepayment Penalties: NO
Minimum FICO Score: N/A
Time to Close: 7 DaysBridge Loans
Loan Amounts: $250,000 - $100,000,000
Available Rates: 6.99% - 12.99%
Typical Terms: 1 months - 48 months
Points Charged: 2% - 5%
Max Loan-to-Value (LTV): 80%
Max Loan-to-Cost (LTC): 90%
Owner Occupied Allowed: NO
Interest Only Loans: YES
Prepayment Penalties: NO
Minimum FICO Score: N/A
Time to Close: 7 Days -
Loan Examples
The following loans are for education purposes only. They do not represent actual loans executed by REI Capital.
Loan Example 1
Transaction 1
Location - Beverly Hills, CA
Loan Purpose - Fix N Flip
Property Type - Residential, Luxury
Purchase Price - 4m
LTV - 80%
100% Rehab Funds - 250k
Term - 12 mo
Interest Rate - 7.99%Loan Example 2
Transaction 2
Location - Stanton, CA
Loan Purpose - Cash out refi
Property Type - Commercial Land
Loan Amount - 1.5m
LTV - 40%
Term - 12 mo
Interest Rate - 9.99% -
by Nick BRE International Investments 10/12/2019
I am writing this review to bring your attention to the highly professional work REI Capital and it’s Principal Pamela Kimble bring to every business and real estate transaction that comes across their desk. I strongly recommend REI Capital & Pamela‘s Team to any and all individuals seeking a knowledgeable, honest, integrity and timely managed experience. Thank you!
I am writing this review to bring your attention to the highly professional work REI Capital and it’s Principal Pamela Kimble bring to every business and real estate transaction that comes across their desk. I strongly recommend REI Capital & Pamela‘s Team to any and all individuals seeking a knowledgeable, honest, integrity and timely managed experience. Thank you!by Silver Lining 10/10/2019
I have been working w this lender for several years. Pamela Kimble is amazing. Pamela is very personable, professional and courteous. Why I keep coming back is because Pamela goes out of her way to ensure her clients are taken care of. Pamela will find a product that works for you. Integrity and ethics are what Pamela is all about. Even if I find myself struggling w finding a loan product that is right for my business and I Pamela will find a solution. Thank you Pamela for always being there for me as my lender.
I have been working w this lender for several years. Pamela Kimble is amazing. Pamela is very personable, professional and courteous. Why I keep coming back is because Pamela goes out of her way to ensure her clients are taken care of. Pamela will find a product that works for you. Integrity and ethics are what Pamela is all about. Even if I find myself struggling w finding a loan product that is right for my business and I Pamela will find a solution. Thank you Pamela for always being there for me as my lender.by Gino 10/10/2019
I had a phenomenal experience with REI and Pamela Kimble. Professional, polite, patience and worked incredibly fast and very detailed as well as knowledgeable.
I had a phenomenal experience with REI and Pamela Kimble. Professional, polite, patience and worked incredibly fast and very detailed as well as knowledgeable.by Robert@OneHeartRealEstate.com 10/10/2019
Pamela at REI Capital facilitated a complex loan with late borrower changes. She worked efficiently and kept me and the escrow officer updated with necessary documents and support. We're looking forward to many more transactions together.
Pamela at REI Capital facilitated a complex loan with late borrower changes. She worked efficiently and kept me and the escrow officer updated with necessary documents and support. We're looking forward to many more transactions together.
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