Capital Kings brokers 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.
350+lenders shopped for you37states servedReal brokernot a call center
What You Can Get in Rhode Island
Real ranges, not teaser rates. Your exact terms depend on the property, your experience, and the deal. Submit your scenario and we shop it for actual numbers.
8.99%
Rates from
0-15%
Down (0% on the right deal)
100% LTC
Max leverage
100%
Rehab funded via draws
1.0 DSCR
Rentals qualify from
7-10 days
Typical close
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
From 8.99%Up to 90% LTC100% rehab
Purchase plus rehab, funded through draws. Built for Rhode Island flippers who win on speed.
DSCR
Rental Property Loans
From 1.0 DSCR30-yr fixedNo W-2 or tax returns
Qualify on the rent, not your income. For Rhode Island buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
12-24 moInterest-only
Short-term capital to acquire, reposition, or stabilize before your long-term takeout.
New Construction
Ground-Up Construction
Up to 85-90% LTCSFR to small multifamily
Ground-up builds in Rhode Island growth corridors, from single homes to small multifamily.
Active Markets
Cities We Fund Across Rhode Island
Active lending across Rhode Island's primary investor markets. Don't see your city? We broker statewide. Submit your deal and we'll match it to the right lender.
See what the numbers look like in Rhode Island before you apply
Drag your purchase price, rehab, and ARV. These are live estimates on Capital Kings terms, from the same calculator we run on real deals.
Why Capital Kings
Built for Rhode Island Investors
You're hiring a broker, not a lender. One application, 350+ lenders shopped, and we bring you the best fit for the deal instead of pitching a single product.
Providence 3-decker DSCR loans
Newport STR-aware financing
Bridge for value-add multifamily
Common Questions
Rhode Island Lending FAQ
Do you lend hard money loans in Rhode Island?
Yes. Capital Kings brokers hard money, DSCR, bridge, and fix-and-flip loans across Rhode Island through our 350+ lender network. We close Rhode Island deals in as little as 7 days.
What cities in Rhode Island does Capital Kings lend in?
We broker 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 broker 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?
It depends on the deal. Most Rhode Island hard money loans run 10-15% down, new investors can start around 5%, and experienced investors hit 0% down on the right scenario. Rehab is always 100% funded through draws. Submit your deal and we'll tell you exactly where you land.
Learn More
Rhode Island Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every Rhode Island deal we close.
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.
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.
Broker, Not a Lender