© WHERE WE LEND RACINE · WI
HARD MONEY LENDER RACINE
Direct private capital for Racine investors, underwritten on the property and funded from San Diego.
CALL OR TEXT US (619) 617-2797
- GOOGLE RATING 150+ REVIEWS
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618
Racine occupies the lakefront between Milwaukee and Kenosha where the Root River meets Lake Michigan, an old manufacturing city with the SC Johnson campus and its Frank Lloyd Wright buildings at the center of its identity. Downtown Main Street, the Southside historic district, and the lake edge hold the character stock. The Mount Pleasant industrial corridor changed the demand picture.
Loan Goat funds Racine deals the way it funds Wisconsin deals generally, on the asset. Racine County is the working radius, and the same terms extend to Kenosha, Milwaukee and Madison when the next opportunity lands one town over.
Being headquartered in San Diego is an advantage on a Racine deal, not a limitation. The capital is in house, the underwriting is done by the people who fund the loan, and the answer comes back in hours. A 5.0 Google rating across 150+ reviews is the record on delivering that.
© THE COST RACINE · WI
WHAT DO RACINE HARD MONEY LOANS COST
Pricing a Racine deal is straightforward. Bridge runs from 9.00% to 13.00% and moves with leverage and risk. Ask for more of the purchase price and the rate moves up; bring a stronger exit and it moves down. Residential bridge goes to 75% LTV and commercial to 70%.
Every quote is written before an appraisal is ordered, so a Racine investor knows the rate, the leverage, the term and the fees while there is still time to walk. No prepayment penalty on the bridge programs means a flip that sells in four months costs four months of interest, not twelve.
| PROGRAM | RATES | LEVERAGE UP TO | TERMS | LOAN AMOUNTS |
|---|---|---|---|---|
| BRIDGE LOAN | 9.00% to 13.00% | LTV 75% | 1 or 2 years | $150,000 to $25,000,000 |
| FIX & FLIP | 9.99% to 12.00% | LTV 85% of purchase, LTC 100% of rehab | 6 to 18 months | $250,000 to $10,000,000 |
| RENTAL DSCR | 6.50% to 9.99% Non-QM | LTV 80% | 5, 7, 30 and 40 year fixed | Sized to the property |
Starting rates for qualified borrowers, from the published terms cards. Points and fees are quoted on the Letter of Intent. Rates are subject to change without notice and are not a commitment to lend.
Those are the published ranges, not a teaser. Where a Racine deal lands inside them depends on the property, the leverage and the exit. The fastest way to a real number is the address, the price and the plan.
© WHY LOAN GOAT RACINE · WI
WHY LOAN GOAT IN RACINE
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Certainty is the product. A Racine borrower gets written terms, in-house capital and one person who can say yes. Nothing is sold to a warehouse line mid-process and nothing is re-priced at the closing table, which is why the review record reads 5.0 across 150+ reviews.
Nineteenth-century frame and brick houses fill the Southside and downtown edges, two-flat duplexes sit throughout the working neighborhoods, post-war ranches ring the city, and a handful of lakefront homes carry real value. That stock is exactly what the bridge and fix and flip programs are built for.
Deep-value buy-and-hold is the entry point, usually duplexes bought on yield rather than upside. Southside historic rehab is the margin play, and workforce rentals tied to the Mount Pleasant corridor stay leased. The program follows the plan, not the other way round.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
RACINE DEALS, FUNDED FROM SAN DIEGO.
Racine County files run on the same terms as the home markets: written quote first, appraisal once terms are agreed, wire in five to seven days. 1.3K+ closed loans since 2022 and $1.5B+ funded across 46 states.
© LOAN SCENARIOS RACINE · WI
MOST COMMON RACINE LOAN SCENARIOS
- 1031 EXCHANGE Bridge money that lets a Racine replacement property close inside the 45 and 180 day windows.
- AUCTION & HUBZU Racine auction buys where the deposit is up and the clock is already running.
- BANKRUPTCY BUYOUT Buying out a partner or a plan on Racine real estate, funded on the equity in the asset.
- BANK STATEMENT LOANS Deposits instead of tax returns for self-employed buyers working Racine County.
- FORECLOSURE AUCTION Courthouse and trustee sale purchases in Racine County, funded on the asset and the plan.
- FOREIGN NATIONAL Foreign national buyers acquiring Racine investment property without a US credit file.
- NON-WARRANTABLE CONDOS Non-warrantable Racine County condo units where the HOA or the investor concentration killed the conventional loan.
- SELF-EMPLOYED Business owners buying in Racine whose write-offs make a bank file impossible.
- VACATION RENTAL Racine vacation rental purchases where the projected income does the work.
- CASH OFFERS ONLY Sellers in Racine who will only look at cash get a proof of funds that holds up.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN RACINE
- BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR
- FIX & FLIP LOANS Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. FROM 9.99% · LTV 85% · 6-18 MO
- CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. LTC 80% · 12-18 MO
- RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the property's cash flow. FROM 6.50% · LTV 80% · 30 YR
- COMMERCIAL LOANS Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. FROM 7.90% · LTV 70% · 1-15 YR
- OWNER OCCUPIED LOANS Short-term bridge financing on the home you live in, with a refinance into a conventional or jumbo loan as the exit. FROM 10.50% · LTV 70% · 11-12 MO
- BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR
- SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE
- BLANKET / CROSS-COLLATERAL LOANS One loan across several properties, cross-collateralized when a single asset will not carry the deal. FROM 8.99% · 1-3 YR
© PROPERTY TYPES RACINE · WI
PROPERTY TYPES WE FINANCE IN RACINE
- INDUSTRIAL & WAREHOUSE Warehouse and flex space in and around Racine, purchase, refinance and cash-out.
- HOSPITALITY: HOTEL & MOTEL Motel and boutique hotel repositioning in Racine bridged to an SBA or conventional exit.
- LAND Entitled and unentitled parcels around Racine on the land program.
- AGRICULTURAL Agricultural land and operations outside Racine underwritten on the asset.
- CANNABIS Cannabis-use property in Racine where conventional lenders will not participate.
- AUTOMOTIVE & GAS STATION Racine County fuel and automotive sites, purchase and refinance.
© THE APPROACH RACINE · WI
HOW WE LEND IN RACINE
Read the table as a promise rather than a pitch. On a Racine deal it means the leverage quoted is the leverage funded, the timeline quoted is the timeline delivered, and the person who priced the file is the person who releases the money.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
RACINE BORROWERS, IN THEIR WORDS
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This team is equipped with professional, knowledgeable, patient, friendly, and responsive members! We were able to purchase our first investment property with the help and guidance of Milad and his team. They answered our questions...
GABI JUACHE -
Milad is the best in the game! My deal would not have happened without him. He performed at a 10 and was more hands on than I could ever ask for. Definitely recommend!
ASHLEY ANDREOTTI -
I referred my friend over to Milad and while they weren't ready to do a fix and flip just yet, Alex told me Milad was the first lender that actually explained the process, how constructions loans work, and answered all their questions. She...
MELANIE SANCHEZ -
This team is equipped with professional, knowledgeable, patient, friendly, and responsive members! We were able to purchase our first investment property with the help and guidance of Milad and his team. They answered our questions...
GABI JUACHE -
Milad is the best in the game! My deal would not have happened without him. He performed at a 10 and was more hands on than I could ever ask for. Definitely recommend!
ASHLEY ANDREOTTI -
I referred my friend over to Milad and while they weren't ready to do a fix and flip just yet, Alex told me Milad was the first lender that actually explained the process, how constructions loans work, and answered all their questions. She...
MELANIE SANCHEZ
© QUESTIONS RACINE · WI
RACINE HARD MONEY LOANS, ANSWERED
Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.
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Yes. Loan Goat funds investment property in Racine and across Racine County on every program listed on this site: bridge, fix and flip, construction, rental property, commercial, owner occupied, bank financing, second and third mortgages and blanket loans. The desk is in San Diego, the capital is in house, and Racine files are underwritten on the property rather than on where the borrower banks.
Request a quote -
Five to seven days is standard and low-doc bridge files have funded in as little as three. The timeline on a Racine deal is usually set by title and escrow rather than by underwriting, because the credit decision is made in house by one person. Open title early and the wire follows the written terms.
How it works -
Non-owner-occupied residential from single-family up to four units, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land across Racine County. Owner-occupied has its own program. If the Racine asset produces or will produce value, there is usually a structure for it.
Property types -
Pre-1900 is not a disqualifier when the lender underwrites the property and the exit rather than a conventional condition standard. Racine, the seat of Racine County, is full of nineteenth-century frame and brick stock that banks refuse outright. Loan Goat funds from in-house capital, charges no penalty for an early payoff, and reaches closing in five to seven days.
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Credit is reviewed, but the property carries the decision. These are business-purpose loans on non-owner-occupied real estate, underwritten to value, exit and the strength of the deal. Investors turned down by a bank for self-employment, a recent event on file or thin documentation are routine business here.
Self-employed borrowers -
Bridge money runs from 9.00% to 13.00% and moves with leverage, property type, exit and experience. Rental loans price lower because the property carries the debt, from 6.50% on the Non-QM tier. Every quote is written before an appraisal is ordered, so you are never chasing a number that changes at the closing table.
Bridge loan terms -
No prepayment penalty on the bridge programs. Pay the loan off the day the flip sells or the refinance funds and you owe interest for the days you used the money. That matters when the whole plan is to be in and out inside a year.
All loan programs -
Five to seven days is the standard, and low-doc bridge deals have closed in as little as three. Speed comes from the structure, not from cutting corners: in-house capital, one decision maker and minimal documentation. Title and escrow set the floor, so the sooner those are opened, the sooner the wire moves.
How funding works
© WHERE WE LEND RACINE · WI
RACINE, ROUTED FROM SAN DIEGO HQ.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
© GET A QUOTE RACINE · WI
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(619) 617-2797
