DSCR Loans Fix & Flip About Reviews Book a Strategy Call →

$100M+ Funded. 300+ Closings Nationwide. Built for Investors Who Think Long Term.

Built alongside some of the biggest names in real estate investing, I launched RL Capital Funding to serve investors nationwide.

DSCR loans, fix & flip financing, BRRR, co-living, and portfolio strategy. Structured around long-term growth, not short-term transactions. No call centers, no rate shopping. Just strategy from an experienced loan officer who understands how investors think.

✓ 100% FREE - NO OBLIGATION

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Takes 30 seconds - we respond within 1 hour

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$100M+
Funded
5.0 ★
Google Rating
300+
Deals Closed
50
States Covered

Investors I've Funded Deals For

David Greene Sam Weggert Michael Elefante Chi Tai Robert Abasolo

Sound Familiar?

"I found the perfect deal but my lender can't close fast enough and I'm about to lose it."

Slow Lenders Kill Deals

"I'm self-employed and banks keep asking for tax returns that don't reflect what I actually earn."

W-2 Lending Is Broken

"Every time I call my lender, I get a different person who doesn't know my file."

Call Center Runaround

"I want to scale past 4 properties but conventional lending won't let me."

Conventional Lending Caps Out

That Ends Today →

Three Ways to Fund Your Next Deal.

DSCR Loans

Qualify on Rental Income. Not Your W-2.

Scale your portfolio based on the property's income. No tax returns. No conventional headaches.

Learn More →

Fix & Flip Loans

Fast Capital. Faster Closings.

Close in days, not months. Competitive rates, flexible terms, zero bank-timeline headaches.

Learn More →

Traditional Financing

Conventional / FHA / VA When It Fits.

Sometimes conventional is the right play. We structure the best fit for your situation.

Contact for Details →

From Strategy Call to Closing. Three Steps.

No 60-day timelines. No call center runaround.

01

Book a Strategy Call

15 minutes. No application. No pressure. Just your deal and your goals.

02

Get Your Custom Loan Structure

Options tailored to your strategy. No one-size-fits-all. No surprises at closing.

03

Close and Scale

Fast closings. Reliable funding. Then we do the same for your next deal. And the next one.

Start with a Strategy Call →
RL CAPITAL FUNDING

This Isn't a Call Center.

Investors with serious capital needs deserve better than hold music and callback systems.

📱

Direct Access

When you call, I answer. Not an account manager. Not a callback system. Me.

🎯

Strategy First

I start with your game plan, not a rate sheet. Your deal structure shapes the financing.

🤝

Portfolio Mindset

I want to fund your next 10 deals. Not just this one. We grow together.

🏗️

Built Inside the Industry

Trained alongside BiggerPockets legends and commercial lenders. I speak your language.

Read My Full Story →
Real Deal Breakdown

An Investor Felt He Was Getting Overcharged. He Was Right.

His Lender's Offer
$455K purchase
25% down
1 point in costs
7.25% rate
My Structure
Same property
20% down
Zero points
6.875% rate

Closed on time. He saved over $30,000 between the lower down payment and eliminated costs. One phone call made the difference.

Book Your Strategy Call →

Don't Take My Word for It.

★★★★★ 5.0 Stars on Google

★★★★★

"Randall is truly a magician with loans. He's dedicated to finding the best product for your needs, delivers an exceptional experience from start to finish, and gets everything closed quickly and smoothly. I couldn't be more appreciative of all he does! Highly recommend, he is a Boss!"

Megan A.

★★★★★

"Randall assisted us in buying our first rental property. He made it such a smooth and easy process, always being available for our questions and really streamlining everything. We closed a house in record time over the holidays and it felt like all we had to do was show up and sign. We will 100% be recommending Randall to others."

Marcos T. - Investment Property Buyer

★★★★★

"Randall is a phenomenal loan officer. Just completed our second loan with him and couldn't be happier. From timely communication with us and title, everything was simple and efficient from start to finish. Thanks again Randall!"

Orlando O. - Repeat Client

★★★★★

"Randall and his team are incredible to work with. The process from start to finish was so smooth and easy. They're great communicators which is exactly what I'm looking for when dealing with any type of lending process. The absolute best!"

Edward B.

★★★★★

"I have had the pleasure of working with Randall on a couple of loan transactions, each requiring a high level of attentiveness and dedication. Throughout every stage of the process, Randall demonstrated professionalism, clear communication, and an unwavering commitment to achieving successful outcomes."

Henroy C. - Multiple Transactions

★★★★★

"Randall helped my husband and I buy an investment condo and was fantastic to work with! He worked hard, helped solve all our lending problems along our journey, and always stayed positive. Even though the lending value was low, Randall went above and beyond. We will be reaching out to Randall for our next investment!"

Shoni - Investment Property Buyer

Questions Investors Ask Before Booking.

What is a DSCR loan?
DSCR stands for Debt Service Coverage Ratio. It's a mortgage designed for real estate investors where you qualify based on the rental income of the property, not your personal W-2 income. This is game-changing if you're self-employed, have multiple properties, or want to scale your portfolio beyond what conventional lenders allow.
Do I need tax returns to qualify?
No - that's the whole point of DSCR loans. We qualify you based on the property's rental income and the debt service coverage ratio. If the numbers work for the investment, we can move forward. This is perfect for investors whose personal tax returns don't reflect their real earning potential.
Can I close in my LLC?
Yes, absolutely. Most of our deals close in LLCs or other business entities. We structure the loan to fit your business setup, not the other way around. This protects your assets while we provide the capital you need.
How fast can you close?
Built for speed. DSCR loans typically close in 14-21 days. Fix & flip loans can close even faster depending on how quickly you get us what we need. We're not here to drag out timelines - we want to fund your deal before the opportunity walks away.

This website and the information contained herein are for informational purposes only and do not constitute an offer to sell or a solicitation of an offer to buy any securities or financial instruments. All information is subject to change without notice. Mortgage loans are originated through Cornerstone First Mortgage. Equal Housing Lender.

✓ Currently accepting new investor clients

Your Next Deal Deserves a Lender Who Gets It.

Book a free strategy call. No application. No obligation. Just a real conversation about your deal and the best way to structure it.

Book Your Strategy Call →
NMLS #2152470 Equal Housing Lender 5.0 ★ Google Rating $100M+ Funded 300+ Deals Closed