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Smart Capital for Residential Real Estate Investors

Whether you're flipping, building, or holding for cash flow, REI Private Money Lending delivers what traditional lenders can’t: speed, certainty, and flexibility — so you can scale faster with less friction.

Why Experienced Investors Choose Private Money

Timing is everything in real estate. Private money offers the edge serious investors need to move quickly and confidently.

Top 5 Advantages of Private Lending:

  1. Close in Days, Not Months – Beat cash buyers to the table.
  2. Deal-Driven Approval – We underwrite the asset, not just your profile.
  3. Unlimited Geography – Fund deals across 40+ U.S. states.
  4. Creative Structuring – Bridge, rehab, construction, and more.
  5. Flexible Terms – Tailored for your strategy and exit plan.

“In a competitive market, speed and certainty are currency. Private money delivers both.”

What Makes a Property Fundable? The Sweet Spot Formula.

We fund residential properties in the most resilient and liquid housing segment — ideal for flips, rentals, or BRRRR.

Our 5-Point Investment Criteria:

  • Property Type: Residential 1–4 units (non-owner occupied)
  • Price Point: Within local FHA loan limits
  • Size Limit: ≤ 2,800 sq ft
  • Features: Max 5 beds / 3 baths
  • Lot Size: ≤ 2 acres

Why It Matters:

These properties:

  • Sell and rent faster in any market
  • Attract the widest pool of buyers and tenants
  • Qualify for more favorable exit financing options
  • Reduce hold time risk

Insert Data Callout (Optional):

Homes within FHA limits see up to 30% faster average resale velocity vs. jumbo homes.
(Source: CoreLogic, 2024 Housing Liquidity Report)

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Our Lending Programs

We offer tailored loan solutions for every investment strategy — from first flip to commercial conversion.

Bridge Loans

  • 90% Purchase / 100% Rehab
  • Up to 75% ARV
  • Terms: 12–36 months
  • No minimum credit score

Construction Loans

  • Ground-up or major rehab
  • Up to 85% ARV
  • Property value: $150K+
  • Rates from 10.25%

Long-Term Commercial

  • Self-storage, warehouse, retail
  • Fully amortized up to 30 years
  • Loans to $5MM

Long-Term Commercial

  • Self-storage, warehouse, retail
  • Fully amortized up to 30 years
  • Loans to $5MM

 Short-Term Commercial

  • For 5+ unit multifamily or mixed-use
  • Loans: $250K – $3MM
  • Min FICO: 680

 Bridge Jumbo

  • Large resi deals up to $2MM
  • Min FICO: 650
  • Rates from 10.25%
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The ABL Difference

Direct Lender, 
 Not a Broker

Reliable Support
 From Day One to Exit

Local Service Teams Who Know Your Market

Fast and Flexible Loans Tailored to Your Project

Get to Know Us

How It Works

Getting ABL funding is as simple as 1-2-3: You tell us about your project, we run the numbers, and you start drawing funds. It’s that easy!

Meet Our Leaders

ABL started with three founders, a fund, and a vision. Now we’re a company led by some of the industry’s most talented leaders. Though we come from various backgrounds, we have one goal: fast, flexible, and reliable service.

Meet Your Local Lending Team

Whether you invest in California, New York, or somewhere in between, our dedicated local lending teams are here to help you every step of your investment journey.

Don’t Take Our Word For It

With over 500 5-star reviews, our track record speaks for itself. Check out what our past and repeat borrowers are saying.

Frequently Asked Questions

More questions? No problem. We’ve compiled a list of FAQs to help you better understand our service and loan programs.