Your lender backed out. Let's see if we can save the deal.
Private bridge financing for New York real estate investors.
1–4 family investment properties | Fast decisions | Direct access
Closing this week? Call us directly at 212-602-1515.
Five situations we see.
- Your lender backed out.You're close to closing and the financing disappeared.
- The bank doesn't like the deal.The property or the transaction doesn't fit conventional underwriting.
- You need to close quickly.Timing matters more than another long institutional process.
- The property needs work.It may need renovation or repositioning before conventional financing makes sense.
- You need bridge capital.You have a credible exit, but need capital between acquisition and permanent financing or sale.
Business-purpose loans on investment real estate.
- 1–4 family investment properties
- Acquisition bridge
- Fix & flip / value-add
- Investment property refinance
- Short-term real estate bridge loans
All financing is subject to underwriting and approval. We do not make consumer or owner-occupied residential loans.
We start with the deal.
We evaluate each real estate transaction on its own facts instead of pretending every deal fits the same box. That doesn't mean we skip borrower qualification or anything the law requires. It means we look at the whole picture.
- What's the property?Address, type, units, condition.
- What are you paying?Purchase price, and what it's worth today.
- How much are you putting in?Your equity in the deal.
- How much do you need?
- What happened with the previous lender?Say it straight. We'd rather hear it from you.
- When do you need to close?
- What's the business plan?And what you've done before.
- How do you repay us?
Send us that, and we'll start there. Send the deal →
Four steps.
- 01
Send the deal
Give us the property address and the details of the transaction.
- 02
We review it
We look at the collateral, the economics, the timing, the borrower and the exit.
- 03
You get an initial response
If the deal looks like it fits our lending criteria, we ask for what we need to underwrite it and talk about potential terms. If it doesn't, we tell you.
- 04
Underwriting and closing
Approved transactions go through due diligence, documentation and closing.
Closing is approaching. Your lender just said no.
Another lender changed terms, declined the property, dragged it out or couldn't perform? Send us the deal.
Not every transaction will fit. Send us the property, the numbers, the timing and the exit. We'll look at the deal and tell you where we stand.
Send us the dealTell us what happened.
A real person reads every submission. Don't have every document yet? Send what you have.
If closing is this week, skip the form and call 212-602-1515.
Got it. We have your deal.
A person will review it and be in touch.
Closing soon? Call us directly at 212-602-1515.
Real estate people, not just lenders.
- Direct communicationYou talk to the people looking at your deal.
- Fast initial reviewWe look at submissions as they come in.
- Local market knowledgeWe know New York blocks, buildings and how closings here actually go.
- Flexible deal analysisEvery property is different, so we underwrite it that way.
- Execution-focusedWe work on deals. We don't just talk about them.
- A straight answerIf we can't help, we'll tell you.
Good financing has to work for both sides. We provide the capital, take the risk and do the work. You get a financing solution designed to move a sound transaction forward.
Have a client who needs capital?
Real estate brokers, attorneys, developers, investors, wholesalers and other professionals can send us financing scenarios. Same process. Same straight answer.
Use the deal form and note that you're submitting for a client, or call 212-602-1515.
Submit a scenarioStraight answers.
What properties does Rosen Jacob Capital finance?
Investment real estate, mainly 1–4 family, non-owner-occupied, for business purposes. Larger or unusual properties: send them and we'll tell you if they fit.
Do you lend on owner-occupied homes?
No. Rosen Jacob Capital makes business-purpose loans only. We don't do consumer or owner-occupied residential loans.
What happens if my current lender backed out?
Send us the deal and tell us what happened. We'll look at the property, your equity, the timing and your exit, and tell you whether we can help. We can't promise every deal will work.
What information do you need to review my deal?
The property address, what you're paying, how much you're putting in, how much you need, when you close, your plan, and how you repay us. The purchase contract helps a lot.
Can I submit a property before I have every document?
Yes. Send what you have. We'll ask for the rest if the deal looks like it may fit.
Do you finance renovation projects?
Where appropriate, yes. Tell us the scope, the budget and who's doing the work.
Can brokers and attorneys submit transactions?
Yes. Submit on behalf of your client through the deal form or call us.
What areas does Rosen Jacob Capital serve?
We're focused on New York real estate, with particular familiarity with New York City and the surrounding market.
How quickly will I receive an initial response?
We review submissions promptly. If it's urgent, call us at 212-602-1515.
What happens after I submit my deal?
A person reviews it. If it may fit, we ask for underwriting documents and discuss potential terms. If it doesn't fit, we tell you.