To Compete Against Conglomerates, Independent Real Estate Investors Need Deeper Pockets 100% Financing Is Key in a Cut-Throat Housing Market

100% Financing Is Key in a Cut-Throat Housing Market

PHILADELPHIA, PA / ACCESSWIRE / October 5, 2021 / In a red-hot real estate market, individual homebuyers must be prepared to compete against institutional investors with vast resources. If not within a day of being listed, most homes are sold within the same week. Now, given the housing shortage, conglomerates are buying bulk investment properties with cash. The average real estate investor needs better options for keeping money in the bank and moving with the agility of competitors. Rehab Financial Group, LP, a private lender in the Philadelphia area, offers 100% financing to investors to help them compete.

Many conventional lenders require down payments and long lists of documentation requirements; they take 60-90 days to close a loan and make funding a purchase and renovation virtually impossible. Even lenders that require less-typically, a decent credit score and enough assets in the bank to cover closing cost-require another 10 to 15 percent down payment on the purchase of an investment home. Conversely, RFG requires zero down payment and can close a loan within as little as 15 days. For approved borrowers, RFG lends both 100 percent of the purchase and rehab costs for a project up to 70 percent of the After Repair Value (ARV).

Susan Naftulin, Co-founder and Managing Member of Rehab Financial Group, LP (RFG), envisioned the need for a quick close when she started making short term loans 12 years ago. “Borrowers are able to compete with even the savviest real estate investor,” Naftulin says. “These loans put more money in their pocket and enable them to have more purchasing power.”

This unique approach allows individual investors to make more income in the long run. In most cases, borrowers are responsible only for upfront closing costs, reserves and interest-only payments.

For Rich Denisar, an investor in South Jersey with properties in Burlington, Camden and Salem counties, Rehab Financial Group’s 100 percent financing has made a major impact not just on his investments but on his quality of life. The financing arrangement allowed him to rehab more than one property at a time for the first time in 25 years. As a result, he has generated substantially more income-enough to retire at 65 based on his rental income alone. Best of all, he has been able to invest in his own community as an individual investor and not as an anonymous institution driving up prices for local families.

“Rehab Financial Group is a direct lender with our own money and makes all of its decision-making about lending in-house which positions us to better support individual investors,” says Naftulin. “We believe in educating first-time investors as well as helping seasoned investors streamline their business. We are here to partner with financially responsible borrowers to help achieve their real estate investment goals.”

A private money lender based in 26 states across the country, Rehab Financial Group is unique in its methodology as it evaluates borrowers as a whole, using common sense underwriting and working to match the borrower’s specific goals to a loan with the term that’s right as opposed to a hard and fast formula. With over $225 million funded, it’s an approach that works.

About Rehab Financial Group

Rehab Financial Group’s combined 50 years of real estate and lending experience have helped thousands of investors become successful renovation professionals. We believe strongly in matching clients with the loan that best meets their specific needs.

Donna Katz
Grimm and Grove Communications / 215.806.4594

SOURCE: Rehab Financial Group

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