Residential Capital Partners is a real estate investment lender built to support investors who value clarity, speed, and long-term profitability.
We specialize in Fix & Flip, Bridge, and DSCR loan programs designed for how real estate investing actually works not how generic lending models assume it should. Our approach combines fast, reliable financing with experienced underwriting and guidance to help investors make confident, profitable decisions.
We know this business because we’ve lived it.
Real estate investing requires more than capital. It requires sound judgment, accurate numbers, disciplined execution, and the ability to move quickly without taking unnecessary risk. One misstep can erase months of work. That’s why we focus on helping investors understand deals at the front end, structure financing appropriately, and execute with confidence through closing and beyond.
At ResCap, we believe the strongest lending relationships improve over time. As we work together across multiple projects, the process becomes faster, communication becomes easier, and flexibility increases. Our goal is not a single transaction, it’s helping investors build repeatable success and long-term wealth through profitable real estate investments.
Real estate investing plays a vital role in strengthening communities. Every successful project improves housing, revitalizes neighborhoods, and creates opportunity. We’re proud to support investors who are building something meaningful for themselves, their families, and the communities they serve.
Residential Capital Partners uses a physical inspection on every repair draw. ResCap sends an inspector to the property with each repair draw to confirm the work was completed in a workmanlike manner, then wires the repair-draw reimbursement to the borrower’s bank account. A borrower-friendly feature: ResCap does not charge interest on repair funds until they are drawn, which lowers carrying costs during a rehab. The company does not publish a specific per-draw turnaround, so that is worth confirming for a given project. On the front end, approval usually takes about two business days, a submitted loan can fund within about 14 days, and once approved ResCap can wire funds within 24 to 48 hours. Because inspections are physical rather than virtual, investors should factor inspector scheduling into their draw timeline.
Residential Capital Partners, known as ResCap, is a private money lender based in Dallas, Texas, offering fix and flip, bridge, and DSCR loans through lending affiliates in 12 states, with no-money-down financing for qualified investors.
• Fix and flip: 100% of purchase and repair costs, up to 75% of ARV for experienced investors or 65% of ARV for newer investors (never above 75% ARV).
• No-money-down financing: 100% up to 75% ARV for investors with 10+ rehabs or 5 closed ResCap loans; 100% up to 65% ARV for fewer.
• Loan amounts from $100K to $1.5M, on a 9-month term (90-day extension available), from 8%, with 3 points.
• ResCap lends to LLCs and special-purpose entities only, on 1 to 4 unit non-owner-occupied property, and does not currently offer construction loans.
Residential Capital Partners (ResCap) is a private money lender headquartered in Dallas, Texas, offering fix and flip, bridge, and DSCR loans through lending affiliates in North Carolina, South Carolina, Connecticut, Massachusetts, New Jersey, New York, Pennsylvania, Florida, Georgia, Tennessee, Ohio, and Texas. It lends only to LLCs or other special-purpose business entities, not on a borrower’s primary residence, and does not currently offer construction loans. It is affiliated with the American Association of Private Lenders (AAPL).
