Loan Products

Whether you're Wholesaling , Flipping, or unlocking equity - We've got you

Second Position Loans

  Our Short-term 1st & 2nd position loans allow you to use the equity in your existing properties to quickly get cash. Allowing you you grow your business faster. 

Don't let your projects stall out while you have untapped equity sitting there under utilized!!.

These flexible loans offer fast approval and funding, ensuring borrowers can keep their projects on track without delays.  

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Double Close Funding

Need to close a wholesale deal today? Our 100% double close funding gives you the capital to complete A-to-B and B-to-C transactions — no cash required.

We fund fast, so you never lose a deal to timing.

  

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Loans Made for Investors By Investors

Why Investors work with us - Again and Again

Funding, Fast: Capital when you need it — without red tape.

Built by Investors: We’ve done these deals ourselves. We move like operators.

Reliable as Hell: Repeat borrowers know — we wire fast, and we show up when it counts. 

A Real Partner for Real Closers

  We don’t just fund your deals — we move like a partner. Whether it's your first flip or your fiftieth wholesale close, we bring deal-tested insight and fast capital to help you grow without the usual lender friction  

Built for Long-Term Players

  We know every deal matters — not just to your bottom line, but to the business you're building. That’s why we offer fast, repeatable funding, clear communication, and real support that grows with you — from your first close to your next 50.  

  Real Investors. Real Deals. Real Results.  

Here's what repeat borrowers and first-time closers say about working with REI Transactional 
We fund deals - fast. But don't take our word for it. Hear how investors like you are getting across the finish line with capital that shows up when it counts.

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Frequently Asked Questions About Funding

Real Answers for Real Estate Investors

  

We’ve answered thousands of funding questions — here are the ones that come up most from investors like you. From approval timelines to second-position loans, you’ll get straight, clear answers right here. If you're still unsure, just reach out — we’ll walk you through it.

  

Getting Started
What is Double Close Funding?
Double Close Funding is short-term transactional capital that allows wholesalers to buy and sell a property on the same day using two separate closings (A-to-B and B-to-C). This is commonly used when assignment contracts aren't allowed.
Why would I need this type of funding?
Many title companies and lenders won’t allow assignment contracts. Double Close Funding lets you legally close on the property without using your own capital, keeping the deal alive.
What states do you operate in?
We fund deals nationwide as long as you're working with a qualified closing attorney or title company that understands how to execute a double close.
What do I need to get started?
Start by submitting your deal at www.reidoubleclose.com/apply-double-close — we’ll review the details and reach out quickly to get things moving.
Loan Terms & Process
How much do you fund?
We cover 100% of the purchase price plus all closing costs, up to $2,000,000.
What does it cost?
Our fee starts at 1% of the funding amount. No interest, no monthly payments — just one flat fee paid back the same day from your buyer's closing.
How quickly can you fund a deal?
We can fund within 24–48 hours, and sometimes same-day depending on title readiness. The more lead time, the better.
How is the process structured?
1. Submit your deal at our website
2. We fund your A-to-B purchase
3. You close with your buyer (B-to-C)
4. Our funds are repaid from your buyer’s proceeds — all in one day
Risk and Compliance
Do you check my credit or income?
Nope. We don’t do credit checks or require income verification. This is deal-based lending, not personal finance underwriting.
What are the borrower requirements?
You’ll need a clear A-to-B and B-to-C contract, clean title, end buyer ready to fund, and a title company/attorney experienced in double closes.
Is my deal safe and secure?
Absolutely. All funds are wired directly to the title company. We require transparency and coordinate directly with your closing agent.
Application and Approval
What do you need to approve my deal?
We need A-to-B and B-to-C contracts, title commitment, contact info for the title/attorney, and confirmation your end buyer is ready to close.
Can I talk to someone about my deal?
Of course. You can schedule a call or reach out through our site — but if you have a deal under contract, apply now at www.reidoubleclose.com/apply-double-close.
Getting Started
How fast can I get funded?
Usually within 24 to 48 hours after we have all your docs and the title is clear. We move fast.
Do you fund 100% of the deal?
Yep — if there’s enough equity in the deal, we can cover 100% of purchase and closing costs.
What documents do I need to get started?
Just the basics: a purchase contract, a quick borrower intake form, and info about the property. We keep it simple.
Do I need to personally guarantee the loan?
Yes — we do require a personal guarantee. It helps us align interests and keep everyone committed.
Do you lend to first-time investors?
We do! If the deal makes sense and there's solid equity, we’re open to working with newer investors.
Loan Terms & Process
What is a 2nd position hard money loan?
It’s a loan secured behind a first mortgage. You're using the remaining equity in the property to access funds.
How does a 2nd position loan differ from a 1st position loan?
The second position is junior to the first, which means if something goes wrong, the first lender gets paid first. We structure our deals to keep your risk manageable.
What are the loan terms?
Most of our loans are 6 to 12 months, interest-only. We can offer extensions if you need more time.
What does CLTV mean?
CLTV stands for Combined Loan-to-Value — it’s the total of the first loan and our second loan compared to the property's current value.
How is my loan amount determined?
We look at your equity, experience, and the numbers on the deal. If it pencils out and there's cushion, we're good to go.
Can I get a 2nd position loan on a rental property?
Yes, as long as there’s equity and a solid exit plan. We do these all the time.
Are there any prepayment penalties?
Nope — you can pay us back early without any fees. In fact, we love early payoffs.
Repayment & Reuse
What happens after I pay off my loan and want to use the same property again?
We can underwrite it quickly again — and usually faster — since we already know the property and your track record.
Can I get multiple 2nd position loans at the same time?
You sure can — if each property has enough equity and the numbers work, we can do more than one at a time.
Can I use multiple rental properties to secure a loan?
Yes, we can cross-collateralize if you need a larger loan. Let’s talk through the structure that works best for you.
Risk & Compliance
What happens if I default on my loan?
We really try to work it out first. But if needed, we can start foreclosure. That’s always a last resort though.
Do you require a credit check?
We do a soft pull just to get a general sense, but we're way more focused on the deal and your experience.
What states do you lend in?
Right now we lend in North Carolina, South Carolina, and Georgia. More states coming soon!
Application & Approval
How do I apply for a 2nd position hard money loan?
Just hit the apply button on our site, answer a few quick questions, and we’ll follow up same day.
Will you help fund the down payment on a property?
If the equity is strong and the deal makes sense, yes — we can provide gap funding in some cases.

Still not sure if you Qualify? Contact Us - No pressure 

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