ReProp works directly with brokers who need immediate, reliable financing solutions. We can step in when a traditional lender delays or declines, helping you secure capital fast so your deal stays on track.

We specialize in commercial and investment real estate — including multifamily, retail, office, industrial, and mixed-use properties — across the Western United States, particularly California, Arizona, Nevada, Oregon, and Washington.

Our LTV ratios generally range from 50% to 60%, depending on the property type, borrower’s equity contribution, and market conditions. Unlike residential loans, commercial private lending typically requires more borrower capital participation.

ReProp evaluates every loan using the 5 C’s of Underwriting:

• Collateral – the property securing the loan

• Capital – borrower’s financial contribution

• Capacity – ability to make payments and manage balloon payoffs

• Character – borrower’s credit history and reliability

• Conditions – broader economic or industry factors that could impact repayment

Sophisticated borrowers often compare several lenders. ReProp’s decades-long reputation as a “straight dealer” in private lending gives clients confidence in our fairness, communication, and reliability throughout the loan process.

We analyze income streams, business performance, and exit strategy. Borrowers should be able to clearly explain how they’ll service monthly payments and handle balloon or payoff terms at maturity.

Character refers to the borrower’s credit history and how they’ve handled financial obligations in the past. It helps us understand how a borrower might act when facing difficult circumstances — a key element in private lending decisions.

External economic and industry factors — such as local regulations, industry trends, and profit margins — can influence a borrower’s ability to repay. Our team evaluates these “Conditions” carefully to ensure each deal is sustainable and well-structured.

Private lenders like ReProp offer flexible, faster funding with fewer institutional constraints. While banks may provide higher LTVs, they often have lengthy approval processes. ReProp focuses on speed, structure, and real-world decision-making.

Yes — even first-time investors can qualify if they demonstrate strong collateral and a sound business plan. We often help new property investors get started with their first commercial deal.

We lend across multiple Western states, including:

• California

• Oregon

• Washington

• Nevada

• Arizona

• Texas

If your property is in one of these regions, our team can provide tailored funding guidance based on local market conditions.

Depending on the complexity of the deal and documentation readiness, ReProp can close in days rather than weeks, making us a preferred partner for brokers and borrowers needing time-sensitive funding.

Our difference lies in experience, integrity, and agility. We’ve built a trusted reputation among brokers and borrowers for being transparent, creative, and responsive — with funding solutions designed to match each property’s real-world potential.