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
$253.69 MM
Capital Under Management
$1.19 B
Loans Originated Since Inception
1,454
Borrowers
METRICS AS OF SEPTEMBER 30, 2026
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
The Real Reason Interest Rates Are High and What to Do About It
Why are interest rates so high? It is a question I hear all the time, especially from real estate investors trying to figure out when mortgage rates will finally come down. The answer is more complicated than simply looking at what the Federal Reserve is doing. While...
Measuring Success: How Do the Wealthy Do It?
If you walked into a room full of some of the most financially successful people you know, people who have built real wealth, own real estate, sold companies, and managed large portfolios, what do you think they'd be talking about? I can tell you exactly what they'd...
What Is a DSCR Loan? A Guide for Real Estate Investors
If you invest in rental properties, there’s a good chance you’ve heard more and more about DSCR loans. They’ve become a popular financing option for real estate investors, particularly those looking to purchase, refinance, or pull cash out of rental properties without...
The Real Estate Investing Returns You’re Not Tracking
When most real estate investors talk about returns, they mean one thing: money in versus money out. ROI. Cash-on-cash return. Cap rate. I get it. Those are the numbers that pay the bills, and they’re the returns every real estate investment spreadsheet is built...
Raise Your Floor Before You Raise Your Ceiling
Most people believe big results come from taking big swings—more risk, more upside, moving faster than everyone else. Sometimes that's true, but there are no guarantees, and more often than not, that approach leads to a volatile path that can take you in the wrong...
Focus vs. Diversification: Why Smart Real Estate Investors Need Both
This topic has come up twice for me recently in two completely different rooms, and it is one of those debates that never seems to go away. It is also one that people may not fully understand before they dig in: Should you stay focused on one investment strategy, or...
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 $735.8 MM of loans in Colorado as of March 31, 2026.
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 $252.9 MM of loans for real estate investors as of March 31, 2026.
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 March 31, 2026.
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.