One Platform. Many Competencies.
Our Investment Focus Areas
RAM Financial Group maintains expertise across multiple secured asset classes, allowing us to adapt to market conditions while maintaining our commitment to risk-adjusted returns.
Municipal Real Estate Receivables
Municipalities nationwide have been seeking private investment in order to sell or otherwise transfer defaulted real estate tax receivables. These receivables, which make up a large portion of a county's budget, leave a shortfall in cash availability for treasurers to cover necessary public services.
Private investment in real estate tax receivables has become a necessary economic engine in the municipal cycle and also offers an attractive private investment on a risk-adjusted basis.
- Tax lien certificate acquisitions
- Tax deed investments
- Municipal partnership programs
- Portfolio servicing capabilities
Senior Secured Lending
The group makes direct, secured loans to worthy borrowers on a national scale. It originates, manages, sells, brokers, and securitizes debt backed by both residential and commercial real estate.
Our lending programs are designed to serve borrowers who may not fit traditional banking criteria while maintaining conservative underwriting standards that protect our investors.
- Bridge and construction loans
- Fix-and-flip financing
- Commercial real estate loans
- Mezzanine debt structures
Opportunistic Real Estate Acquisitions
On a select basis, the group will seek to acquire or will come to acquire real estate opportunistically. While the group does not intend for real estate acquisition or holdings to comprise a significant portion of its portfolio, it is open to all opportunities that present positive risk-adjusted returns.
Our opportunistic approach allows us to capitalize on market dislocations and special situations that may arise in the real estate sector.
- Distressed asset acquisitions
- Value-add opportunities
- Special situation investments
- Flexible holding periods
Interested in Our Investment Approach?
Whether you're a potential investor or a borrower seeking financing, we'd like to hear from you.
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