Capital RB Solutions LLC

Products and Services

1-10 Unit DSCR Rental Loan

We provide 30-year loans for single-asset 1-10 unit rentals and rental portfolios. These loans are based on property cash flow—eliminating the difficulty of underwriting borrower income that is part of any conventional loan. With this program Airbnb/VRBO properties are eligible based on the subjects projected short-term rental revenue. Lending Criteria Loan Amount $100,000 to $2 million (max loan amount is higher for Portfolios) Loan Term 30-year fixed rate; or 7-year interest only followed by an amortization Loan to Value Up to 80%; or up to 75% for cash-out refinances with low to no seasoning Debt Coverage Minimum 1.05 DSCR (0.75 DSCR available in select core MSAs with up to 70% LTV) Prepayment Penalty 3% step down of unpaid balance in Year 1, 2% in Year 2, 1% in Year 3. Reduced Prepayment penalty options are available. Closing Timeline 2-3 weeks

Bridge Value-Add Loan

We provide bridge loans to support fixing and flipping, fixing and renting, buying and holding properties for future construction and developing ADUs. These loans have no prepayment penalties. FICO 680 minimum soft credit assessment. Experience Fix-and-flip, BRRRR (fix-and-rent), and new construction projects completed in the last three years count towards experience. General contractor experience may be considered. Eligible Properties 1-4 unit detached homes, townhomes, warrantable condos, and apartments with up to 10 units (at reduced LTV). Loans are restricted to investment properties. Owner-occupied properties are not allowed. Eligible States We lend nationwide except in Alaska, Hawaii, Nevada, North Dakota, South Dakota, West Virginia, and rural locations. Draws The renovation holdback reimburses expenses. A draw request takes 2-3 business days and requires a virtual property walk-through and lien release. Second Liens Subordinate financing is ordinarily not allowed but may be considered for experienced investors and repeat clients. We must approve amount, terms, and lender. Borrower Entities only. A personal guarantee is required. Non-recourse options are available. Loan Amount* <$100,000 or >$1.5 million considered on a case-by-case basis.

Bank Statement Loan

Recent home price appreciation and high-interest rates may mean DSCR loans do not provide an ideal loan amount or rental property may be ineligible altogether because of how it cash flows (e.g., short-term rental). Bank statement loans may be a solution for real estate investors who would like permanent financing for higher-value homes, short-term rentals, and maturing hard money loans. This product analyzes 12 months of bank statement transactions to calculate the income and liabilities of a real estate investor and determine loan size based on a 50% debt-to-income ratio.

Bridge Stable Asset Loan

We provide multi-year financing for newly constructed or renovated properties that are currently vacant or being stabilized and ineligible for a 30-year mortgage. These loans have no prepayment penalties.