Invest with Us

12 years Without a Single Investor Loss

Since our founding in 2010, The Realty Bankers has completed 300+projects ($100+MM in value) in 20 states without a single loss of investor capital. Our goal has been to deliver attractive risk-adjusted returns to our investors as a provider of capital to single family and multifamily real estate developers and operators.

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Send us an email or give us a call today to learn more about our Investor program
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Single Family
Fix and Flip / Fix and Hold
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Multi Family Icon
Multifamily
Short or Long-Term Holds
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Mobile Homes & Parks
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Send us an email or give us a call today to learn more about our Investor program

Our Investment Strategy

Experienced Operators and Developers

We invest with experienced residential real estate operators with sound management skills, renovation expertise, solid track records, and well-conceived projects.

Our goal is to establish a complete alignment of interests with our real estate operators/partners

Investment Size & Term Length

Focus on capital investments in the $200,000 to $2,000,000 range (per asset) since competition from other financing sources is minimal.

Ideally 12-48 months (put more stuff in here)

Our Selection Process

Why We Prefer Multi-Family

Strong Historical Investment Performance
• Sector with the highest return AND highest risk-adjusted returns over the past 25 years.

• Sector with the most resiliency in economic downturns and with the quickest road to recovery.

• Sector with low risk and low volatility – lowest mortgage spreads, lowest property selection risk, most supportable and accurate valuations.

• Sector with unique abilities to generate excess returns through effective property management and strategic utilization of rehabilitation capital.

• Sector with an effective inflation hedge due to short-term leases.
Continued Strong Tenant Demand
• The U.S. will add more people than it loses in the prime renter age group of 25 to34-year-olds over the next six years.

• The number of renter households will increase by nearly 500,000 annually through 2025 per theJoint Center for Housing Studies at Harvard University.

• The minority population, where its share of renters is twice that of homeowners, is projected to account for ~75% of household growth through 2025 and 90% from2025-2035.

• The movement of the prime renter age group into homeownership will be delayed for various reasons.
Strong and Increasing Investment Demand
• Sector is projected to continue to produce attractive risk-adjusted returns for the foreseeable future.

• Sector has a low correlation with other property sectors; therefore, the multifamily sector effectively diversifies real estate portfolios.

• Most institutional investors are severely underweighted in the multifamily sector.
Abundant and Favorable Financing Sources
• The low-risk and high-return characteristics of the sector produce the most favorable loan terms, debt-service coverage ratios, loan-to-value ratios and mortgage rates within the real estate sector universe.

• Only sector with U.S. government-backed lending programs (Fannie Mae, Freddie Mac, FHA).

• Favorable financing options at time of sale since government-backed loans are assumable and allow supplemental loans.

Market Selection (MSA)

Proper selection of a market is arguably the most important determinant of investment success. Therefore, RB targets select markets that promise exceptional future rent growth based upon a comprehensive and proprietary process that incorporates internally generated and collected data along with information from respected third-party sources.

RB’s market selection process incorporates, but is not limited to the following information:

Population metrics:  
Growth rate, household formation, household incomes, diversity of labor pools, age brackets, education levels

Employment metrics
Growth rate, diversity of employment, high-skilled industries, stable industries

Other Metrics
Knowledge hubs, academic resources, price of housing, housing inventories, unemployment rate, landlord/tenant laws, cost of living, supply constraints

Submarket Selection

RB understands that people want to live in safe neighborhoods with exceptional schools in proximity to where they work, shop, play, and go to school. Therefore, we target submarkets with low crime rates, highly-rated schools, good walk/bicycle/transit scores with easy accessibility to employment centers, grocery stores and an attractive mix of shopping venues and restaurants.

Additionally, we prefer submarkets with high barriers to entry - neighborhoods with plenty of single-family homes, office space, schools, retail uses, etc. that consume most land parcels and therefore make it very difficult for developers to build competing properties due either to limited land availability or the ultra-high cost of land.

Property Selection

Class-B properties in this current market cycle
• Sector with the highest return AND highest risk-adjusted returns over the past 25 years.

• Sector with the most resiliency in economic downturns and with the quickest road to recovery.

• Sector with low risk and low volatility – lowest mortgage spreads, lowest property selection risk, most supportable and accurate valuations.

• Sector with unique abilities to generate excess returns through effective property management and strategic utilization of rehabilitation capital.

• Sector with an effective inflation hedge due to short-term leases.
Well-Designed and Constructed Assets
Little or no incurable functional obsolescence (ceiling heights, balconies), competitive amenities (gyms, pools, clubhouses) and other unique physical attributes (low density, attached garages).
Our Operational Preferences
Operationally, we favor properties with high historical retention rates, consist historical performance through various market cycles and high rent increases on renewals.

Investment Process

Realty Banker employs a comprehensive and disciplined investment process that efficiently identifies opportunities, recognizes and mitigates risks, actively creates value and achieves successful exits. The following steps are fundamental to this investment process

Extensive Deal-Sourcing Network

Discerning Market Selection

Thorough Due Diligence

Disciplined Underwriting

Optimal Capital Structure

Extensive Deal-Sourcing Network

Proactive Asset Management

Accounting Controls and Oversight

Communication with Investors

Assessment of Exit Timing

22 States and Growing

Nationwide Investments

Partner Testimonial

"I consider Bill and Jeff not only as a dependable source of flexible and creative capital, but as important partners in my business. They provide valuable guidance and insights throughout the life of a project including asset selection and valuation, property business plans, capital structuring, and disposition timing and strategies." 
– Chad Sutton, Managing Partner, Quattro Capital


"Since The Realty Bankers provides me with a funding program, I can focus my time entirely on identifying and executing manufactured housing opportunities. Jeff and Bill are very easy to work with and they approve and fund my deals quickly."
– Adam Quick, President, Nuveau Homes

Market & Property Selection

We pursue well-located residential assets that suffer from correctable flaws in their physical condition, capital structures, or market position.

Seek value-add properties at significant discounts to replacement costs, thereby providing a safeguard against temporary deteriorations in the market

Target assets located in expanding markets with strong and diversified economies that will increase operating cash flow and drive capital appreciation.

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