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Land Loan

Land Loan are short-term loans collateralized by land. Investors looking for construction loans who do not have plans and permits approved will find attractive a loan based on the As-is Value of the land.


Standard Loan Terms

  • Max Loan Amount: $5,000,000
  • Max LTV (Loan to Value): 50%
  • Rate: Starting at 11.5%
  • Term of loan: 12-24 months
  • Payments: Monthly interest payments with
    balloon at maturity
  • Prepayment penalty: None

Standard Closing Costs

  • Origination Fee: 1-2%
  • Underwriting Fee: $1,500
  • Legal: $750 – $1,500
  • Appraisal Fee: $500-$4500
  • Title Insurance and recording fees: 1%


Property Types

  • Land Parcels

Standard Requirements:

  • Credit Application
  • Last 2 bank statements (US bank account)
  • Copy of ID and Borrowing Entity docs
  • Purchase Contract (If Purchase)
  • Property Insurance

Standard Closing Time

  • The usual time to close is 5-10 days.

RBI Private Lending is a direct lender and does not rely on other institutions to close the loans. Once the title work and appraisal are ready, We will be too!

Contact us


Do you make personal loans? 
We do not make personal loans, only for real estate investment. 

What kind of real estate loans do you make? 
RBI finances real estate investments, both the purchase of properties for rent or second residence, as well as renovations for subsequent resale. We also finance the real estate development 

What is the interest rate and loan term?
Usually, loan rates are 9% and 1.75% points. Loan terms are 12-36 months

What is the loan type?
Most our loans are interest only, which means a fixed interest is paid throughout the term and full balance at maturity. For example, a $100,000 with 12 months term and 9% rate will yield 12 monthly payments of $750 and a final payment of $100,000

What happens if I sell the property or prepay the loan before maturity?
In most of our loans there is no prepayment penalty.