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Why Investors Use a Private Real Estate Lender

Updated: Jul 11, 2023

When considering the purchase of real estate, there are a variety of options for financing.

One popular choice is to use a private real estate lender. Private lending institutions have become a major part of the real estate market, and are an attractive option for many reasons. Let’s dive in and see exactly what makes private lending a preferred option for many looking to expand their real estate portfolio.


ROC Financial Solutions

Flexibility. Private lenders tend to have more flexibility than traditional mortgage lenders. For example, a private lender may be willing to finance a flip project, a rental property that does not have cash flow, or a vacation rental. They also generally offer more options for collateral. Additionally, private lenders can also provide more leniency in terms of credit requirements. This means that even if you have a poor credit score, you may still be able to find a private lender willing to finance your purchase. Private lenders often offer more flexibility in the types of properties they finance.


Accessibility. Private lenders are usually more accessible than traditional lenders. They often work as independent entities, not as part of a bank or other large financial institution. This makes it easier for them to meet your financing needs in a timely manner. Private lenders may also be more willing to negotiate terms than banks or other traditional lenders, so you can feel more confident that you’re getting a good deal.


Capability. Using a private lender can provide borrowers with more capital capabilities, with lenders often providing more financing than is available from banks. Unlike traditional banks which are more conservative in their lending, private lenders are more likely to take into consideration unique situations and unique projects which provide more leniency in credit terms.


Overall, private real estate lending can be an attractive option for those looking to get financing for their individual circumstances. With their willingness to take on unconventional projects, ability to quickly provide funds, and more favorable terms than traditional lenders, private lenders can offer people the flexibility and convenience that is often preferred when financing real estate deals.


ROC Financial Solutions can help you secure your next real estate loan. Contact us today to get started!



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ROC Financial Solutions, LLC. is an originating entity and financing consultant of business purpose funding.  9105 All Saints Road Unit D 330, Laurel MD 20723  ROC Financial Solutions, LLC. is licensed or exempt from licensing all states that they do business in.  We lend on real estate in AL, AK, AR, DC, CO, CT, DE, FL, GA, HI, IL, IN, KS, KY, LA, ME, MD, MA, MI, MO, MT, NH, NM, OH, OK, OR, PA, RI, SC, TN, TX, VA, WA, WV, WI, WY.   (Our down payment assistance program is available nationwide).  We lend on business loans in all 50 states.  ROC Financial Solutions originates loans under 12 CRF 1026.3 (a)(1) and 12 CFR 1024.5 (b)(2) Business purpose loans that are exempt from coverage under RESPA as defined by 12 CFR 1026.3 (a)(1) of Regulation Z.   ROC Financial Solutions, LLC only originates business purpose loans on non-owner-occupied residential and commercial, non-TRID regulated real estate properties, or business working capital loans.   Rates, terms, and conditions offered to qualified borrowers, may vary upon loan product, deal structure, location, lender, or other applicable considerations, and are subject to change at any time without notice.   Moreover, any rates, terms and conditions communicated via email shall only constitute a general, non-binding expression of interest on the part of ROC Financial Solutions, LLC., and the associated lender and do not create any legally binding commitment or obligation on the part of ROC Financial Solutions, LLC., and are expressly subject to, but not limited to, the credit, subject property, Investor experience, legal review, and lender approval process.  ROC Financial Solutions LLC., also operates as a Wholesaler on investment residential and commercial, non-owner-occupied properties.  ROC Financial Solutions, LLC., is exempt from licensing for these types of properties and is not a licensed real estate agent or broker.  The recipient of this message agrees to hold harmless ROC Financial Solutions LLC.  DISCLAIMER: ROC Financial Solutions does not finance owner occupied residential real estate. We offer commercial business purpose funding options strictly for non-owner-occupied real estate, and businesses.  Disclosure:  This is a partner program whereas ROC Financial Solutions LLC works with a private lender to offer these services, and ROC Financial Solutions will earn a referral fee from the lender for offering such services.  If you have received this message in error, please delete it.   Our Privacy Disclosure Statement can be found at https://www.rocfinancialsolutions.com/private-policy   Copyright © 2024 ROC Financial Solutions LLC, All rights reserved. 

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