RIPPETOE CAPITAL — If you don't live in it, we lend on it
NATIONWIDE INVESTMENT PROPERTY FINANCING
Financing that fits the deal.
Clear answers. A faster path
forward.
Rippetoe Capital helps investors finance rental properties, fix-and-flips, new construction,
multifamily, hotels, and commercial real estate. Send us the basic numbers.
We’ll review the complete transaction and explain what may fit.
No pressure. Send the basics and we’ll tell you what the next step looks like.
01
Investor-focused financing
02
Multiple lending sources
03
Flexible deal structures
04
Direct personal guidance
LOAN PROGRAMS
Built for the properties
investors actually buy.
Start with the category that best matches your deal. We’ll review the property, leverage, borrower experience,
and exit strategy before recommending a path.
Ground-up
01
New Construction
Capital for land acquisition, vertical construction, spec homes, and experienced builders.
Best starting point Land + construction
Long-term
02
DSCR Rental loans
Rental-property financing based primarily on the property's income instead of traditional personal-income documentation.
Best starting point Purchase or refinance
Bridge
03
Fix-and-flip
Purchase and renovation financing for investors improving a property to sell or hold as a rental.
Best starting point Purchase + renovation
apartment
04
Multifamily
Financing for acquisitions, refinances, value-add projects, bridge needs, and stabilized apartment properties.
Best starting point Acquire or refinance
hospitality
05
hotel financing
Capital for qualified hotel acquisitions, refinances, renovations, and bridge transactions.
Best starting point Acquire, improve, refinance
income property
06
Commercial real estate
Financing for qualifying retail, office, industrial, mixed-use, self-storage, mobile home parks, and more.
Best starting point Business-purpose property
Start with the deal, not an advertised rate.
Pricing and leverage change with the property and borrower. These categories help identify the right conversation first.
Program
Best for
Review starts with
DSCR Rental
Long-term rental ownership
Rent, value, loan amount
Fix-and-Flip
Purchase and Renovation
Purchase, rehab,
after-repair value
New Construction
Ground-up building
Land, budget plans, experience
Multi-family/ Commercial
Income-producing properties
Operations, value, business plan
WHY RIPPETOE CAPITAL
A real conversation
before a recommendation.
We do not force every request into one program. We review the full transaction, explain the issues early, and help you package the deal correctly.
01
Milestone 1
We Look Beyond One Program
We compare available options and look for a structure that fits the transaction.
02
Milestone 2
You get a straight answer
If the deal has a problem, we explain it early so you can make an informed decision.
03
Milestone 3
we help package the deal
We identify the numbers, documents, and story needed to move a qualified file forward.
Your Commercial Lending Partner
Helping investors find financing that fits the deal.
ABOUT TOBY RIPPETOE
I look at the deal before I talk about the loan.
I’m Toby Rippetoe, founder of Rippetoe Capital. I work directly with investors financing rental properties, construction projects, flips, multifamily, hotels, and commercial real estate.
I want to understand the property, the numbers, your experience, and how you plan to repay the loan. Then I can help identify the options that have the best chance of making sense.
COMMON QUESTIONS
Straight answers about real estate financing.
What should I send for an initial review?
Start with the property address, property type, purchase price or current value, requested loan amount, rehab or construction budget, your experience, and your plan for the property.
Do you finance homes I plan to live in?
No. Rippetoe Capital focuses on business-purpose and investment-property financing.
Can you review a deal another lender declined?
Yes. Tell us why the lender declined it. We’ll review the issue and determine whether a different structure or lending source may fit.
Do you work with first-time investors?
Some programs may. Available options depend on the property, credit profile, liquidity, leverage, and the complete transaction.
How quickly can a loan close?
Timing depends on the loan program, property, valuation, title, and how complete the file is. We’ll set realistic expectations after reviewing your deal.
GET YOUR DEAL REVIEWED
Tell us what
you’re financing.
Complete the short form. We’ll review the request and contact you
to discuss the next step.
No Social Security number
No full financial package
No commitment required
By submitting this form, you agree that Rippetoe Capital may contact you by call, text, or email regarding your financing request. Message and data rates may apply. Consent is not a condition of obtaining financing.
If you don't live in it, we lend on it.
Rippetoe Capital provides business-purpose financing assistance for real estate investors. Programs, rates, terms, leverage, and approval are subject to lender guidelines, property review, borrower qualifications, valuation, and final underwriting. Submission of an inquiry does not constitute an approval or commitment to lend.
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