Meet Caeli Ridge with Ridge Lending Group!

Caeli Ridge (pronounced: ChaLee), President, CEO, and fellow real estate investor has spent the last 18 years as a nationwide lender, loan officer and real estate investor in both residential and commercial properties. As an established real estate investor, she has held up to 42 investment properties at any one time across the United States. She has worked with tens of thousands of RE investors and homeowners all over the country and has helped more families realize their dreams of homeownership as real estate investors than any other mortgage lender in the country. She maintains and serves her real estate investor database of 60,000 strong and growing. Her experience as an investor provides a unique perspective that she enthusiastically shares with her clients in supporting their goals to financial freedom.

Ridge Lending Group (RLG) is a second-generation company specializing in residential, investment property financing. RLG focuses primarily on the education of their clients and real estate investments nationwide. Whether you have one investment property or hundreds of properties, Ridge Lending Group is the partner thousands of investors have chosen to work with for all their real estate lending needs. Our knowledge and experience provides the necessary support to navigate the often demanding process of the lending industry and does so with ethics and transparency.

In this video, Caeli talks about the importance of ROI, DTI (debt to income), assets and credit scores to secure best rates.

In addition, she goes over the four basic prongs of financing available for real estate investors:

a) Fanny Freddie: Also referred as Golden Tickets, highest leverage at the lowest rate, 10 Golden tickets per qualified borrower.
b) Non-QM (Non-Qualified Mortgage): when the 10 Golden tickets are exhausted, investors organically move into Non-QM.
c) Short-term Fix-And-Flip: quicker return, fast closing.
d) Commercial Properties: used for non-residential properties or cross-colateralization (multiple residential properties placed into one blanket commercial loan – entity secured loan).

We hope you enjoy this video. Subscribe to stay on top of the latest real estate market trends!

1-855-747-4343 | www.RidgeLendingGroup.com