Question 1

What is Relip Capital?

Accepted Answer

Relip Capital is the wholesale capital rail underneath the Relip platform. One Relip approval gives a broker access to 18 investor loan programs — DSCR, bridge, fix-and-flip, ground-up construction, rental portfolio, multifamily, commercial, land, and specialty — priced wholesale and routed across a vetted network of warehouse partners, correspondent takeout buyers, and direct-fund lenders.

Question 2

Is Relip a lender?

Accepted Answer

Relip is a direct lender that operates 100% wholesale. Brokers use Relip to price, structure, and execute investor loans through wholesale lines and correspondent channels while keeping the borrower relationship under the broker's brand. Relip never markets to or competes with the broker's borrowers.

Question 3

How is this different from joining 8 different lenders?

Accepted Answer

Stacking 8 lenders means 8 approvals, 8 portals, 8 rate sheets, 8 sets of guidelines, and 8 chances for a lender to pull a program mid-deal. Relip Capital replaces the entire stack with one approval and one rail. Every program lives in the same pricer, every loan submits through the same LOS, and the borrower experience stays under your brand the whole way.

Question 4

Where does the capital actually come from?

Accepted Answer

Three vetted partner channels, routed live by Relip's decisioning engine: (1) Warehouse partners — facilities held by major institutional banks in our network, used to fund deals on a single rail without portal-by-portal delays. (2) An integrated correspondent network of every major non-QM, DSCR, bridge, and commercial takeout buyer, so one Relip approval reaches the entire takeout stack. (3) Direct-fund partners — private fund partners that lock at submission for speed-sensitive bridge and rehab deals.

Question 5

How does pricing work? Do I have to wait for a quote?

Accepted Answer

No. Every Relip Capital file shows the rate, the points, third-party fees, and the income you're stacking on top — live, on the same screen. You can adjust your income per loan, per program, or per state and watch the borrower note rate update instantly. No callbacks, no rate sheet emails, no opaque math.

Question 6

What loan programs are on the rail?

Accepted Answer

Relip Capital runs 18 investor programs on the rail today: DSCR, Single Family Rental, Stabilized Rental, Rental Portfolios, No Ratio Term Loan, Bridge, Stabilized Bridge, Multifamily Bridge, Fix & Flip, 0 Down Fix & Flip, Commercial Rehab, Ground-Up Construction, Inexperienced Builders/Flippers, Land (fully entitled), CRE Term, Multifamily Term, Commercial DSCR (5+ unit), and Airbnb Vacation Rental. New programs are added to the rail on a rolling basis as Relip expands warehouse and correspondent capacity.

Question 7

How fast is first approval, and how fast can I close?

Accepted Answer

First approval as a Relip Capital broker typically takes 48 hours. Once approved, average time-to-close varies by program: bridge in 7 days, DSCR in 14 days, fix-and-flip in 10 days, ground-up construction in 21 days, multifamily in 21 days, commercial in 30 days. Rate locks are programmatic and can be set borrower-side or broker-side from inside the pricer.

Question 8

Does Relip Capital take my borrower or compete with me?

Accepted Answer

No. Relip operates 100% wholesale. We do not run consumer-facing marketing for the loan, we do not take the borrower's contact info onto a Relip-branded portal, and we do not cross-sell the borrower other products. The borrower sees your brand on the term sheet, in the borrower portal, and on every doc. Relip stays invisible.

Question 9

What happens if a capital source pulls a program mid-deal?

Accepted Answer

On a multi-lender stack, this is where deals die — the broker has to start over with a new lender. On the Relip rail, the decisioning engine auto-reroutes the deal to a different qualifying source (warehouse, correspondent, or direct) without resubmitting. The broker keeps the deal, the borrower keeps their close date, and the comp stays unchanged.

Question 10

How does Relip Capital connect to the rest of the platform?

Accepted Answer

Capital is the foundation the rest of Relip sits on. The AI Pricer prices live against capital guidelines. The CRM organizes every deal around capital eligibility. The LOS runs structured doc collection and AI underwriting against the chosen source. Deal Radar surfaces investor loans about to mature so the broker is the first call when capital is needed. Marketing routes exclusive investor leads into the same rail.

One wholesale rail.Every investor loan. Direct from the source.

Eight lender portals. Eight chances to lose the deal.

One platform. Three sources of capital.

Warehouse partners

Correspondent network

Direct-fund partners

18 programs. One shelf. One approval.

DSCR

Fix & Flip

Bridge

Ground-Up Construction

Stabilized Rental

CRE Term

Multifamily Bridge

Rental Portfolios

Single Family Rental

Multifamily Term

Stabilized Bridge

0 Down Fix & Flip

Airbnb Vacation Rental

Commercial DSCR

Commercial Rehab

Inexperienced Builders / Flippers

Land

No Ratio Term Loan

See the rate. Build your income on top.

Same broker. Same three deals. Different rail.

Vetted warehouse partners. Real correspondents. No mystery capital.

The rest of Relip sits on top of the rail.

Brokers running every investor program on one rail.

Capital, answered.