Specialty Financing for Deals That Don't Fit the Standard Box
Some deals need something beyond a standard fix & flip or DSCR loan. RS Capital's specialty programs cover rural markets, equity access without refinancing, and borrowers who don't fit a conventional profile.
We Fund the Deal Everyone Else Passed On
Rural Fix & Flip
Best for: rural & underserved marketsFix and flip financing for investors renovating single-family or small multifamily properties in less populated areas — where traditional banks and even some hard money lenders won't go.
DSCR 2nd Mortgage
Best for: landlords who don't want to touch their 1st mortgageTap into your rental property's equity in second position — expand your portfolio, fund upgrades, or pay off high-interest debt without refinancing your existing first mortgage.
Built for Every Kind of Flipper
Whether this is your first deal or your fiftieth, this program is structured to fit.
From Application to Closing
Specialty deals get the same streamlined process as our standard programs.
Apply in Minutes
Quick online application — tell us about the deal.
Get Your Term Sheet
Same-day terms available, no hard credit pull.
Close on Your Terms
Structured around your specific situation.
Execute Your Strategy
Fund your project, access equity, or close your deal.
Specialty Financing in Your Market
Licensed and actively funding specialty deals in 46 states. Explore financing in your city.
Specialty Programs FAQ
What's the maximum loan amount for a rural fix and flip?
Rural Fix & Flip loans range from $150,000 to $4,000,000.
Do rural properties require asset verification?
No asset verification is required.
What is a DSCR second mortgage?
A second-position loan that lets you tap into your rental property's equity while keeping your first mortgage in place.
Do I need tax returns for a second mortgage?
No. Qualification is based on rental income (DSCR), not tax returns or W2s.
Does RS Capital work with foreign national borrowers?
Yes, RS Capital works with foreign national investors alongside domestic borrowers.
What's the term on a rural fix and flip loan?
A 12-month term is available.
Get Your Specialty Program Term Sheet
Tell us about your deal and a loan advisor will follow up the same day — no cost, no obligation, no hard credit pull.
Request Your Loan Terms
No obligation. A loan advisor replies same day.
Start My Application →Takes about 2 minutes. No cost, no obligation.