“We are not a bank. We are private capital structured around execution and exit clarity.”
Experience That Understands Real Estate
RPLG Capital was built by investors and operators who understand the realities of acquiring, renovating, and building real estate.
With over 20 years of experience in real estate investing and finance, we work with a network of private capital partners to structure loans for projects across the United States.
Whether you’re acquiring, rehabbing, refinancing, or building from the ground up, our role is simple: provide reliable capital and clear expectations so you can focus on execution.
We work alongside investors — not just at closing, but throughout the life of the deal.
Financing 1–4 unit residential and 5+ multifamily investments nationwide.
Who We Serve
Real Estate Investors (1–4 Unit)
If this is your first or second deal, we’ll explain expectations upfront and help you structure financing the right way — without watering it down.
First deals, fix & flip, rentals, or pre-approval
Multifamily Sponsors (5+ Units)
If you already know the process, we move efficiently and focus on execution. No unnecessary friction. No wasted steps.
Repeat operators, bridge, construction, and portfolio lending”
Who This Is NOT For
We are not structured for borrowers whose primary decision factor is rate alone.
RPLG Capital Is NOT For:
Borrowers needing retail bank rates
First-time investors with no liquidity
Projects without a defined exit
Investors shopping 15 lenders at once
Why We Don’t Compete on Rate
Real estate investors don’t succeed based on rate alone. Execution, timing, and deal structure often have a far greater impact on the outcome of a project.
At RPLG Capital, our focus is on structuring loans that align with the investor’s business plan, timeline, and exit strategy. The lowest advertised rate means very little if a loan closes late, terms change during underwriting, or the structure doesn’t support the project.
Instead of competing solely on rate, we compete on what matters most to active investors.
We compete on:
Speed
Efficient underwriting and responsive communication help investors move quickly on opportunities.
Certainty
Clear expectations and disciplined underwriting reduce surprises late in the process.
Structure
Loans are designed around the project’s timeline, renovation scope, and exit strategy.
Execution
Our goal is simple: help investors acquire, build, and complete projects successfully.
What We Finance
We finance 1–4 unit residential and 5+ unit multifamily across multiple strategies.
Fix & Flip
Renovation / before-and-after properties
Bridge Loans
Transitional multifamily or repositioning projects
DSCR Rental
Stabilized rental homes or small multifamily
Ground-Up Construction
Homes under construction or new builds
How We’re Different
Capital With an Operator’s Perspective We don’t underwrite deals in a vacuum. Our team brings decades of hands-on experience across real estate investing, construction, rehabs, and rental portfolios.
Operator-led underwriting
No W2 required
No income verification for DSCR
100% rehab financing available
Cash-out after 90 days
Typical Deal Timeline
Day 1–2
Initial Review
Day 3–5
Structuring & Term Sheet
Day 14–30
Close
Closings typically occur in as little as 14 days, depending on deal complexity.
Process Overview
We don’t overcomplicate deals. You bring the opportunity — we structure it, underwrite it, and get you to the closing table. Our process is built for real estate investors who need speed, clarity, and execution — not red tape.
Tell us about your deal — whether you have a property identified or not. We quickly assess your scenario, goals, and timeline to determine the best financing approach.
2
Deal Structuring
We structure your loan around the deal — not a one-size-fits-all box. Purchase, refinance, bridge, or rental — we align leverage, terms, and exit strategy upfront so there are no surprises.
3
Underwriting & Approval
We review the asset, numbers, and borrower profile to issue a clear approval. Our process is streamlined and focused on what matters — allowing us to move quickly without unnecessary conditions.
4
Closing
We coordinate appraisal, title, and final documentation to move your deal efficiently to the finish line. Closings can occur in as little as 14 days, with timelines driven by deal complexity, property condition, and third-party reports.
Leadership Team
Bob Green
(Founder of RPLG Capital)
Bob Green has over 20 years of experience in real estate investment and finance. Through RPLG Capital, he focuses on providing structured private lending solutions to real estate investors nationwide.
Bob works closely with investors acquiring, renovating, building, and refinancing residential investment properties.
Brien Hodgman
(Vice President of Lending)
Brien Hodgman brings more than 30 years of financial markets experience, including his career as an options trader at the Chicago Board of Trade.
With over a decade of experience in real estate investments and finance, Brien works directly with borrowers to structure financing solutions for real estate investment projects.
What Our Clients Say
We’ve worked with RPLG Capital on multiple rehab projects. What I appreciate most is that the expectations are clear from the start. The underwriting is thorough but practical, and they understand how timelines actually work in the field.
Mark T.
Fix & Flip Investor
As we transitioned into small multifamily, we needed a lending partner who understood structure and risk — not just rate. RPLG Capital took the time to evaluate the deal properly and delivered exactly what was outlined.
Daniel R.
Multifamily Operator
We’ve dealt with lenders who overpromise and retrade at the last minute. That hasn’t been our experience here. The process is disciplined, communication is direct, and closings happen when they say they will.
Sarah L.
Portfolio Investor
Recent Deal Highlights
Real examples of capital structured for execution and exit clarity.
Construction loan structured with staged draws and contingency reserves. Completed on schedule and sold post-completion.Do you require tax returns?
Many of our programs are asset-based and do not require traditional income verification. Rental and DSCR loans are typically underwritten based on property cash flow rather than personal tax returns.
Bridge, construction, or more complex transactions may require additional financial documentation depending on the deal structure.
How much liquidity do I need?
Liquidity requirements vary by program and deal profile.
Fix & flip and construction loans require sufficient reserves to support execution and contingencies. Rental loans may require post-closing reserve minimums depending on loan size and property type.
Not all programs require extensive liquidity verification. Experience, structure, and deal fundamentals are also considered.
Can I refinance after 90 days?
In many cases, yes.
Certain rental and DSCR programs allow refinance after 90 days of ownership, subject to seasoning guidelines, appraisal, and underwriting review.
Refinance eligibility depends on property stabilization and exit strategy.
Do you finance first-time investors?
We do work with newer investors. Structure, leverage, and documentation requirements may differ compared to experienced operators.
Experience impacts risk evaluation, but lack of experience alone does not automatically disqualify a borrower.
Do you finance LLCs?
Yes.
Most investment loans are structured in an LLC or business entity. Personal guarantees are typically required depending on the program and ownership structure.
Is there a prepayment penalty?
Prepayment structures vary by program.
Certain long-term rental loans may include step-down prepayment provisions. Many bridge and fix & flip loans offer more flexible exit structures.
All terms are clearly defined before closing.
What types of properties do you finance?
We finance non-owner-occupied investment properties including:
1–4 unit residential
Small and mid-size multifamily (5+ units)
Transitional value-add assets
Ground-up residential construction
Financing is not available for primary residences.
Why we don't compete on rate
We don’t compete on rate because we compete on structure and execution clarity. Lower rates mean nothing if the loan changes before closing, delays settlement, or doesn’t match your exit plan. We underwrite for real-world outcomes first — not headline pricing.
We work alongside investors — not just at closing, but throughout the life of the deal.
.jpg)
.jpg)
.jpg)
.jpg)
.png)
.jpg)
.png)
.png)
.png)
.png)
.png)
.png)
