Licensed & LendingHard Money & DSCR Loans in Rhode Island
Capital Kings funds Rhode Island investor loans. Hard money, DSCR, and bridge across Providence, Warwick, and the Ocean State. RI is small by volume but the deals are solid: strong rental demand, manageable price points, and growing STR interest on the coast.
7-day fix-and-flip close No personal income docs (DSCR) 270+ lender network
Loan Products
Capital That Funds Rhode Island Deals
Providence multifamily (3-decker triples especially) is the classic RI rental play and our DSCR lenders price these confidently. Newport and South County STR deals get evaluated on projected income with our STR-friendly lenders.
Fix & Flip
Hard Money for Flips
7-10 day close, 90% LTC, 100% rehab funded through draws. Built for Rhode Island fix-and-flip investors who need to win on speed.
DSCR
Rental Property Loans
Qualify on rental income. No W-2s, no tax returns. 30-year fixed available. Designed for Rhode Island buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
Short-term financing for value-add acquisitions, repositioning, and lease-up. 12-24 month terms, interest-only.
New Construction
Ground-Up Construction
Up to 85-90% LTC for ground-up SFR, townhomes, and small multifamily. Rhode Island growth corridors specifically.
Active Markets
Cities We Fund Across Rhode Island
Active lending across Rhode Island's primary investor markets. Don't see your city? We lend statewide. Submit your deal and we'll match it to the right lender.
Why Capital Kings
Built for Rhode Island Investors
Providence 3-decker DSCR loans
Available statewide for Rhode Island investors.
Newport STR-aware financing
Available statewide for Rhode Island investors.
Bridge for value-add multifamily
Available statewide for Rhode Island investors.
Common Questions
Rhode Island Lending FAQ
Do you lend hard money loans in Rhode Island?
Yes. Capital Kings funds hard money, DSCR, bridge, and fix-and-flip loans across Rhode Island through our 270+ lender network. We close Rhode Island deals in as little as 7 days.
What cities in Rhode Island does Capital Kings lend in?
We fund investor loans statewide in Rhode Island, with active deal flow in Providence, Warwick, Cranston, Pawtucket, East Providence and the surrounding metros.
Do you offer DSCR rental loans in Rhode Island?
Yes. DSCR loans qualify the property on rental income (not your personal W-2), and we fund DSCR rentals across Rhode Island on single-family, 2-4 unit, and small multifamily properties. Including short-term rentals where projected Airbnb income is allowed.
How fast can a Rhode Island hard money loan close?
Most Rhode Island fix-and-flip deals close in 7-10 business days. We have lenders in our network who can close in as few as 5 days for clean files with title and appraisal ready.
What's the minimum down payment for a Rhode Island fix-and-flip loan?
As little as 0% down on the right deal. Most Rhode Island hard money lenders ask for 10-15% down on the purchase price, but our network is wider than that. Brand new investors in Rhode Island can get in with as little as 5% down. Even borrowers with rough credit can usually qualify at 10% down. And investors with a few previous deals under their belt can hit 0% down on the right scenario. 100% of rehab is funded through draw schedules in every case. The right structure depends on your experience, the deal, and what you're trying to accomplish, and that's exactly what we sort out when you submit your scenario.
Learn More
Rhode Island Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every Rhode Island deal we close.
Adjacent Markets
Also Lending In
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Founder & Broker
Micah Foster
Micah specializes in Non-QM and hard money lending for real estate investors across 37 states. Based in Texas, he founded Capital Kings to give investors a true broker who shops the market on their behalf instead of pitching one lender's product.
Connect With Micah →Ready to fund your Rhode Island deal?
Submit your scenario in under 3 minutes. We shop our 270+ lender network and come back with real terms, not a generic rate sheet.
Capital Kings, LLC is a non-QM mortgage brokerage. We are not a direct lender. We shop your scenario across a network of state-licensed direct lenders to find the best fit. Loans in Rhode Island are originated by partner lenders licensed to lend in Rhode Island. All loans subject to underwriting approval. Rates, terms, and program availability vary by lender and may change without notice. Hard money and DSCR loans are secured by real estate. Not for primary residences.