START YOUR JOURNEY
We deliver customized real estate lending solutions for our clients who build, develop, and renovate properties.
INVESTORS
Our portfolio of senior-secured loans provides investors with stable returns, monthly income distributions, and diversification.
Pine Financial Group Approach
We deliver customized real estate lending solutions for our borrowers who build, develop, and renovate properties. We take a collaborative approach, working one-on-one with clients to close deals and help them succeed. Our underwriting and real estate investment expertise has helped shape our disciplined approach to lending. Our mortgage portfolio offers stable returns to those seeking passive investment opportunities in real estate.The Pine Advantage
Why Pine Financial?
Experienced real estate advisors
We leverage our time-tested experience as real estate investors to help clients close their deals. We work with clients to find the right loan to reach their unique financing goals.
Flexible, alternative financing solutions
We leverage decades of underwriting experience to deliver optimal financing solutions to our borrowers. We are dedicated to excellent customer service and offer robust portfolio management.
Stable returns and monthly distributions
Our portfolio of fixed-rate, first lien mortgages provides investors with consistent cash flows and returns, low volatility, security in the capital stack, and diversification.
Accessible investment structure
We provide individual and institutional investors of all sizes with a broad array of investment opportunities and structures with low minimum commitments.
2008
Founded
$198.01MM
Capital Under Management
$1.0B
Loans Originated Since Inception
1,267
Borrowers
Metrics as of December 31, 2024
TOOLS + RESOURCES
Tools to start your journey
Fix & Flip Calculator
Fix and flippers can instantly calculate deal profits, closing costs, monthly returns and more.
Max Offer Worksheet
This worksheet walks you through calculating the maximum price you should pay for a property.
Scope of Work Spreadsheet
This worksheet will help you structure your budget for success by utilizing a proven model to estimate repair costs.
MAO Calculator
“Pine Financial Group is an excellent fit for my business needs. They understand our local economy and my business. Pine provides personalized service, attention to detail and more importantly, no surprises at the closing table! I can have greater confidence in my business growth plans with Pine Financial as part of my professional team. If you are looking for a long-term partner to take care of your lending needs, look no further.”
–Glen Ramsey, Aspire Properties, LLC
Expert Insight
Lean on our expertise
Will BRRRR work in 2025?
How to Succeed in Real Estate When the Easy Deals Are Gone Want to generate $300-$500 monthly cash flow per house with built-in equity and appreciation potential, all with minimal out-of-pocket investment? What if you did all this with little or no money out of your...
How Will Trump Policies Impact Residential Real Estate Investors?
The results are in, and the president-elect is ready for the office. What does round two of Trump mean for you and me? I am going to narrow in on a few of the main policies that would impact real estate investors from the Trump campaign. While this...
Peer Pressure: Why I am teaching my kids it is important.
There is no self-made success! Every success story has two things in common: struggle and support. We know, or at least we are told, that the people in our lives shape who we are. As the saying goes “You are the sum of the five people you spend the most...
The Power of Mastermind Groups: A Personal Journey
"In every instance where you find a man (or woman) of outstanding achievement in any calling, you will find that he has been a success due to a mastermind alliance." – Napoleon Hill Napoleon Hill, author of the seminal work "Think and Grow Rich," dedicates an...
Why Mortgage Rates May Not Come Down, Even with a Fed Cut
I received an enormous number of questions this last month about interest rates, many focused on why the Fed elected not to lower interest rates in July and more questions about emergency cuts. When is good news actually bad news and when is good news really...
The Value of Values
“I felt the positive energy the second I walked through the door,” Ryan says as I shake his hand to introduce myself. Ryan is a 19-year-old entrepreneur student from New Hampshire. I agreed to allow him to shadow me for a day for college credits. The day started with...
Core Geographic Regions
Colorado
We lend statewide in well-populated areas. Pine Financial Group was formed in Denver by a Colorado native with extensive experience in personal real estate investing. We understand the Colorado market and have originated over $653.6MM of loans in Colorado as of December 31, 2024.
Minnesota
We have been partnering with real estate investors and lending in Minnesota since 2012. We have on-the-ground expertise and have funded over $217.6MM of loans for real estate investors as of December 31, 2024.
Wisconsin
We have been partnering with real estate investors and originating loans in Wisconsin since 2017. We have originated over 212 loans in this core geographic region as of December 31, 2024.
Washington, D.C.
In 2015, we expanded our lending footprint to include the D.C. Metro area. Since 2015, we have been helping D.C. investors fund their transactions, contributing to millions of dollars in flipping profits.
Maryland
D.C. Metro Area – In 2015, we expanded our lending footprint to include the D.C. Metro area. Since 2015, we have been helping D.C. investors fund their transactions, contributing to millions of dollars in flipping profits.
Virginia
D.C. Metro Area – In 2015, we expanded our lending footprint to include the D.C. Metro area. Since 2015, we have been helping D.C. investors fund their transactions, contributing to millions of dollars in flipping profits.