RTL-02 ยท Residential Transition

RTL financing for residential projects with a defined exit.

Business-purpose capital for experienced investors, builders, and brokers moving residential collateral through acquisition, renovation, construction completion, sale, refinance, or DSCR takeout.

Submit RTL request
RTL Review
Collateral
Residential asset type, market, value, title, and current condition
Plan
Purchase, payoff, renovation, completion, or hold strategy
Exit
Sale, refinance, DSCR takeout, stabilization, or portfolio hold
Use Cases

Where RTL capital fits.

Acquire

Purchase and reposition

Short-term capital for residential investors buying into a specific basis, scope, and resale or refinance plan.

Complete

Finish the project

Financing for projects that need budget, draw, title, and exit clarity before completion or sale.

Takeout

Move to permanent debt

Bridge or transition requests where the end state is a DSCR loan, portfolio refinance, sale, or other takeout.

Scenario Package

What makes the request reviewable.

PropertyMarket, asset type, current condition, estimated value, title status, and occupancy.
BasisPurchase price, payoff, borrower cash-in, requested loan amount, and current capital stack.
ScopeConstruction or renovation budget, plans if available, draw needs, and remaining work.
ExitSale price support, refinance plan, DSCR takeout, stabilization, or portfolio strategy.
FAQ

Residential transition questions.

What does RTL mean in lending?

RTL usually means residential transition lending: short-term business-purpose financing for residential assets moving from one state to another, such as acquisition to resale, renovation to refinance, or construction to sale.

How is RTL different from DSCR?

RTL is typically about a transition plan and near-term exit. DSCR is usually a rental-income takeout or investor mortgage path after the property can support debt service.

Can brokers submit RTL scenarios?

Yes. Brokers should include the property, request size, basis, scope, borrower experience, timing, and exit path.

Submit

Send the RTL scenario.

Collateral, basis, scope, timing, requested loan amount, and exit path are enough to start a review.

Submit a deal