Strategic Commercial Financing. Simplified.

Direct capital solutions for real estate investors. Fix & Flip, Rental DSCR, Bridge, and Cash-Out financing—delivered with speed, certainty, and service.

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Trusted by Homeowners in Challenging Situations
Needed to Sell Fast
Avoided months on the market
Facing Foreclosure
Found a solution in time
Inherited a Home
Sold hassle-free, no repairs
Divorce Situation
A smooth, fair sale
Landlord Exit
Sold without issues
Job Relocation
Closed quickly, moved on time
No Repairs Needed
Sold as-is, no extra costs
What We Do

At ResFund, we deliver structured, asset-based financing tailored exclusively for real estate investors. Whether you're scaling your rental portfolio, repositioning assets, or flipping properties for profit, we provide the capital you need — efficiently, reliably, and without the roadblocks of traditional banks.

We specialize in:

Residential Fix & Flip Projects
DSCR-Based Rental Property Loans
Bridge Financing for Acquisitions and Repositions
Ground-Up Construction Loans (selective basis)

Our underwriting is pragmatic. Our process is streamlined. Our mission is simple: to help you move faster, scale smarter, and maximize your returns.

Loan Programs

Our Specialized Real Estate Loan Programs

Fix & Flip Financing
Up to 90% of purchase price and 100% of renovation costs
Short-term loans (12 months) with interest-only payment options
Built to maximize your profits on fix-and-flip projects
Hard Money
Loans based entirely on your property’s value and potential
No income verification, credit checks, or experience required
Ideal for high-equity assets needing quick, asset-based funding
Cash-Out Refinances
Tap into your property’s equity for new investments or liquidity
No long waiting periods after property purchase
Great for expanding your portfolio or funding new deals
Rental Loans (DSCR-Based)
Long-term financing (30-year fixed or interest-only) based on property cash flow
No personal income verification required
Perfect for building and holding rental portfolios
Bridge Loans
Fast funding for acquisitions, refinances, or property transitions
Flexible terms (6–24 months) for short-term needs
Ideal for seizing time-sensitive opportunities
Ground-Up Construction
Financing for new construction projects (residential or small multifamily)
Tailored for experienced builders with strong project plans
Case-by-case funding to bring your vision to life
Transactional Financing
Earnest Money Deposit (EMD) loans starting as low as $5,000 to secure properties
Transactional funding for fast, strategic short-term investments (e.g., double closings)
Designed for quick-turn deals and flexible financing needs
Gap Funding Lines
Short-term funding for down payments, reserves, or soft costs
Ideal for filling small capital gaps alongside your primary loan
Fast approvals with minimal documentation and flexible terms
Second Position Loans
Subordinate financing secured behind an existing first lien
Perfect for high-equity assets needing additional liquidity
Great for stacking capital on creative, cash-light acquisitions
Why ResFund

Your Partner in Real Estate Investment Success

Why choose ResFund for your next deal? We’re more than a lender—we’re an investor-first platform built to help you seize opportunities and grow your portfolio with confidence. Discover what sets us apart.

Direct Access to Capital

We provide fast, direct funding as a private lender, cutting out intermediaries, broker fees, and delays. Get the capital you need without the red tape.

Built for Investment Properties

Unlike traditional lenders focused on income or rigid rules, we prioritize your property’s value, strategy, and potential—offering loans based solely on the asset for maximum flexibility.

Expertise That Moves at the Speed of Investment

Our team combines real-world experience in real estate investment, underwriting, and private capital markets. We know time kills deals, so we’re structured to deliver approvals and funding at the speed you need.

Relationship-Driven Lending

We value long-term partnerships. Repeat borrowers enjoy faster approvals and preferred terms, building a true collaboration to fuel your portfolio’s growth.

How It Works

Efficient. Transparent. Reliable.

Step 1: Get Started with Your Loan Request
Kick off your project by submitting your loan request for your investment property through our user-friendly online portal, designed for easy document uploads. Prefer hands-on support? Connect with our team to tailor your application, even for minimal-document loans like EMD or transactional funding.
Step 2: Receive Your Customized Term Sheet
Within 24 hours, we’ll deliver a clear, customized loan proposal tailored to your project’s goals and timeline, designed to help you make informed decisions with confidence.
Step 3: Close and Fund Quickly
With our streamlined underwriting process, most loans close and fund in as little as 7–10 business days, depending on your project’s specifics. We keep you informed at every step, ensuring a transparent and efficient experience.
Step 4: Grow Your Portfolio with Confidence
As your trusted lending partner, we’re committed to long-term relationships, providing tailored capital solutions and ongoing support to help you scale your real estate investments faster and with ease.
About ResFund
Your Strategic Capital Partner for Real Estate Success
Real estate investing moves fast, and your lender shouldn’t slow you down. At ResFund, we’re built to provide fast, flexible financing tailored to real estate investors—delivering the certainty traditional banks can’t match.
Investor-Focused Expertise
Our team brings decades of experience in real estate investing, underwriting, and private lending with capital markets expertise. We’ve been on both sides of the deal, so we’re here to help you close fast and succeed in fast-moving markets—whether it’s an asset-based loan or a quick-turn investment.
Tailored for Non-Owner-Occupied Properties
We focus exclusively on non-owner-occupied properties—from single-family flips to small multifamily and mixed-use assets. Whether you need loans based solely on your property’s value or quick-turn solutions like EMD and transactional funding, we offer creative capital for Fix & Flip, Rental, Bridge, Refinance, and more.
Built on Partnership
Your success is our success. We’re committed to long-term partnerships, offering flexible solutions and minimal-document options to help you scale your portfolio or close your next deal with confidence.
Partner With Us Today
From Investor to Capital Partner
The Story Behind ResFund
I’m Tom Krug, the founder of ResFund, and my 30-year journey of building, scaling, and leading businesses across real estate, finance and construction-related industries—drives everything we do.
Throughout my career, I’ve launched and scaled multiple high-performing companies, achieving Inc. 500 recognition in real estate financing and earning features in Forbes, the San Diego Business Journal, and other national and industry media outlets. Beyond entrepreneurship, I’ve personally invested in, acquired, and improved real estate assets, giving me the real-world insights to understand your challenges and goals.
I’ve managed hundreds of millions in large-scale financing, working with top financial partners and private capital sources. This expertise in capital markets and lending means ResFund delivers fast, reliable funding—whether for asset-based loans or quick-turn deals like EMD and transactional funding.
I founded ResFund to cut through the bureaucracy of traditional banks, offering flexible, property-focused financing for non-owner-occupied properties. From Fix & Flip to unique deal structures, we bring the same care and strategy I’ve used in my own investments to help you scale with confidence.
‍We’re not just providing capital—we’re building partnerships for long-term success.
FAQs

Do you finance owner-occupied homes?

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We specialize in funding non-owner-occupied investment properties, helping you grow your real estate portfolio. Owner-occupied homes are not eligible.

Is income verification required?

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No. For most of our loan programs, we don’t require W2s or tax returns. Instead, we evaluate the property’s potential, your investment strategy, and your experience to make the process hassle-free.

What is the typical time frame for funding?

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You’ll receive a personalized loan proposal (Term Sheet) within 24 hours. Once all documents are submitted and underwriting is complete, most loans fund in as little as 7–10 business days.

Which types of properties are eligible?

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We fund a range of investment properties, including 1–4 unit residential homes, small multifamily buildings, and select mixed-use properties, tailored to your investment goals.

Do you lend nationwide?

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We lend in most U.S. markets, with some state-specific restrictions. Contact our team to confirm eligibility in your area.

What credit score is required?

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We typically seek a credit score of 660 or higher, but we’re flexible—strong projects and assets can qualify even if your score is lower.

What are the typical loan amounts you offer?

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Our core loan programs—Fix & Flip, DSCR, Bridge, Refinance, and Construction—typically range from $100,000 to $5M, depending on your project and property type. We also offer smaller, specialized loans like earnest money deposit (EMD) and ‘Transactional’ for fast, strategic short-term funding needs.

Can first-time investors apply?

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Absolutely. We work with both first-time and seasoned investors. While experience helps, we prioritize the strength of your project and vision. Our team is here to guide you every step of the way.

Apply Now
Ready to fund your next real estate investment? Start your application with ResFund today!
Our streamlined process makes applying easy. Upload your documents through our user-friendly online portal, or connect with our team for personalized guidance to ensure your application is tailored to your project.
What You’ll Need to Get Started
Document requirements vary by loan type, but here’s a typical list to help you prepare:
Purchase Agreement (if applicable, for property acquisitions)
Scope of Work or Renovation Budget (for Fix & Flip or Construction loans)
Rent Roll or Lease Agreements (for DSCR Rental loans)
Valid Government ID or Entity Formation Documents (for individual or business applicants)
Credit Authorization (where required, for credit checks)
Don’t have everything ready? No problem—our team can guide you on what’s needed for your specific project, including smaller loans like EMD or transactional funding.
Start Now: Upload your documents via our secure portal or call us at (866) 364-9056 to discuss your deal. Let’s bring your investment to life!
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Based in San Diego, CA | Lending Nationwide
support@resfund.com(866) 364-9056
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