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
$207.82 MM
Capital Under Management
$1.07 B
Loans Originated Since Inception
1,350
Borrowers
METRICS AS OF SEPTEMBER 30, 2025
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
To Flip or to Rent
What’s the Better Real Estate Investment in Today’s Market? I recently recorded a video for our YouTube channel about the economic conditions we’re currently experiencing and the best real estate investing strategies I see as an investor. That episode isn’t live yet,...
Winter Flips Bring Huge Opportunities
Now Is the Time to Find Your Next Flip—Here’s Why The holidays are here. The weather’s cooling. And most investors are hitting pause.That’s your edge!This is the time when smart flippers start shopping for deals. Because the best flips in spring start with smart...
Why is Private Credit Hitting the Spotlight?
Private credit is in a race, and it’s now near the front of the pack, moving from a niche to a core asset class for institutional and savvy individual investors. There are many options in this space, but real estate credit is, in my opinion, the best. Private real...
Co-Living: The New Frontier in Real Estate Investing
A Modern Solution to Today’s Housing Market As affordability challenges continue across U.S. housing markets, investors are searching for creative ways to generate higher cash flow and meet modern renter demand. Enter co-living — a shared housing model that’s rapidly...
Should I Buy Student Housing for My Rental Portfolio?
Understanding the Unique Opportunities and Challenges As students are going back to school, I’m reminded of the times I’ve been asked if student housing would be a solid investment. Many students live in the dorms their first year on campus to get the “full” college...
Mortgage Rates Explained
Is Now a Good Time to Borrow? Mortgage rates have been a key focus for real estate investors over the past few years. They impact cash flow, cap rates, and overall returns, so it’s natural for landlords and investors to keep a close eye on them. The topic comes up at...
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 $692.4MM of loans in Colorado as of September 30, 2025.
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 $237.1 MM of loans for real estate investors as of September 30, 2025.
Wisconsin
We have been partnering with real estate investors and originating loans in Wisconsin since 2017. We have originated over 217 loans in this core geographic region as of September 30, 2025.
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.