# Pine Financial Group: Financing experts for all your real estate investments\. > We are the go\-to lender for investors in Colorado, Minnesota, and Wisconsin\. We also invest, so we know what it takes to close deals\. Generated by Yoast SEO v27.9, this is an llms.txt file, meant for consumption by LLMs. ## Pages - [Why Pine](https://pinefinancialgroup.com/why-pine/) - [Contact Us](https://pinefinancialgroup.com/contact-us/) - [Privacy Policy](https://pinefinancialgroup.com/privacy-policy/) - [Loan Options](https://pinefinancialgroup.com/borrowers/) - [Invest With Us](https://pinefinancialgroup.com/investors/) - [45 Day Bridge Loans](https://pinefinancialgroup.com/borrowers/45-day-bridge-loans/) - [90\-100 Loan](https://pinefinancialgroup.com/borrowers/90-100-loans/) - [90% Acquisition Loan](https://pinefinancialgroup.com/borrowers/90-percent-acquisition-loans/) - [Apply Online](https://pinefinancialgroup.com/apply-online/) - [Borrower FAQ](https://pinefinancialgroup.com/borrowers/borrower-faq/) - [Commercial Bridge Loans](https://pinefinancialgroup.com/borrowers/commercial-bridge-loans/) - [Construction Loans](https://pinefinancialgroup.com/borrowers/construction-loans/) - [Flash Cash Loans](https://pinefinancialgroup.com/borrowers/flash-cash-loans/) - [Hard Money Lenders Colorado](https://pinefinancialgroup.com/borrowers/colorado/) - [Hard Money Lenders in Maryland](https://pinefinancialgroup.com/borrowers/maryland/) - [Hard Money Lenders Minnesota](https://pinefinancialgroup.com/borrowers/minnesota/) - [Hard Money Lenders Virginia](https://pinefinancialgroup.com/borrowers/virginia/) - [Hard Money Lenders Wisconsin](https://pinefinancialgroup.com/borrowers/wisconsin/) - [Hard Money Lenders Washington D\.C\.](https://pinefinancialgroup.com/borrowers/washington-dc/) - [Home](https://pinefinancialgroup.com/) - [Individual Investor](https://pinefinancialgroup.com/investors/individual-investor/) - [Institutional Investor](https://pinefinancialgroup.com/investors/institutional-investor/) ## Posts - [Focus vs\. Diversification: Why Smart Real Estate Investors Need Both](https://pinefinancialgroup.com/blog/focus-vs-diversification-real-estate-investing/) - [Hard Work, Smart Work, or Just the Right Investment?](https://pinefinancialgroup.com/blog/hard-work-smart-work-right-investment/) - [The Private Credit “Crisis” – What the Headlines Really Mean](https://pinefinancialgroup.com/blog/private-credit-crisis-what-the-headlines-really-mean/) - [Why 2026 Could Be a Breakthrough Year for Rent\-to\-Own and Down Payment Assistance](https://pinefinancialgroup.com/blog/2026-rent-to-own-down-payment-assistance/): Down payment assistance programs are expanding in both size and accessibility\. That shift could help renters become homeowners sooner—and create new opportunities for investors using rent\-to\-own strategies\. - [4 Little\-Known Strategies for Success in 2026](https://pinefinancialgroup.com/blog/4-little-known-strategies-for-success-in-2026/) ## Resources - [Special Report: 2025 Housing Crash](https://pinefinancialgroup.com/resources/special-report-housing-crash/) - [Become a Private Money Investor](https://pinefinancialgroup.com/resources/become-a-private-money-investor/) - [Using Hard Money to Buy Rentals](https://pinefinancialgroup.com/resources/using-hard-money-to-buy-rentals/) - [5 Keys To Real Estate Flipping Success](https://pinefinancialgroup.com/resources/5-keys-to-real-estate-flipping-success/) - [Cash Flow \& Owner Financing Guide To Buying Real Estate](https://pinefinancialgroup.com/resources/how-to-buy-cash-flowing-real-estate-with-no-down-payment-no-owner-financing/) ## Pine Videos - [Four Tips to Help Determine After Repair Value \(ARV\)](https://pinefinancialgroup.com/pine-videos/four-tips-to-help-determine-after-repair-value-arv/) - [New Real Estate Investor Loan Product: 90/90 Loan](https://pinefinancialgroup.com/pine-videos/new-real-estate-investor-loan-product-90-90-loan/) - [Real Estate Investors \- 5 Ways To Manage Your Rehab](https://pinefinancialgroup.com/pine-videos/real-estate-investors-5-ways-to-manage-your-rehab/) - [The 70% Rule with Real Estate](https://pinefinancialgroup.com/pine-videos/the-70-rule-with-real-estate/) - [The Benefits Of Real Estate Investors Associations](https://pinefinancialgroup.com/pine-videos/the-benefits-of-real-estate-investors-associations/) ## Our Team - [Erika Shiu](https://pinefinancialgroup.com/our-team/erika-shiu/) - [Callie Parmele](https://pinefinancialgroup.com/our-team/callie-parmele/) - [Monica Ho](https://pinefinancialgroup.com/our-team/monica-ho/) - [Ken Blevins](https://pinefinancialgroup.com/our-team/ken-blevins/) - [Maya Brown](https://pinefinancialgroup.com/our-team/maya-brown/) ## Event - [Learn More About the Private Lending Industry Webinar](https://pinefinancialgroup.com/event/private-lending-industry-webinar-may-2026/) - [Spring RE•CON — Titans of Colorado Real Estate Investing](https://pinefinancialgroup.com/event/spring-recon-titans-of-colorado-real-estate-investing/) - [Minnesota Real Estate Investor Success Summit 2026](https://pinefinancialgroup.com/event/minnesota-real-estate-investor-success-summit-2026/) - [Denver Real Estate Investors Success Summit 2025](https://pinefinancialgroup.com/event/denver-real-estate-investors-success-summit-2025/) - [COLORADO SPRINGS REAL ESTATE MARKET DRILL DOWN](https://pinefinancialgroup.com/event/colorado-springs-real-estate-market-drill-down/): Colorado Springs Real Estate Market Drill Down May 8, 2025 Ledger Business Event Center 1311 Interquest Pkwy, Colorado Springs, CO 80921 12 pm\- 4 pm \(with Optional Happy Hour\) Investment Community of the Rockies \| ICOR Phone: 970\-682\-4267 Email: membership@icorockies\.com ## Type - [module](https://pinefinancialgroup.com/layout_type/module/) - [row](https://pinefinancialgroup.com/layout_type/row/) - [section](https://pinefinancialgroup.com/layout_type/section/) - [layout](https://pinefinancialgroup.com/layout_type/layout/) ## Module Width - [regular](https://pinefinancialgroup.com/module_width/regular/) ## Scope - [not\_global](https://pinefinancialgroup.com/scope/not_global/) ## Optional - [Sitemap index](https://pinefinancialgroup.com/sitemap_index.xml)