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About Residential One Est. 2006

A Commercial Mortgage Brokerage Built for Real Estate Investors.

Since 2006, Residential One Ltd has connected investors, builders, and developers nationwide with the right lenders — structuring ground-up construction, fix-and-flip, DSCR rental, and multifamily financing from $100K to $5 million, and managing every file hands-on from application through closing.

Our Story

Two Decades of Structured Capital.

Residential One Ltd is a commercial mortgage brokerage and third-party loan originator specializing in financing for real estate investors and developers. Established in 2006, we connect borrowers with a nationwide network of lenders offering ground-up construction, fix-and-flip, DSCR rental, and short-term rental loan programs.

Our team assists with loan structuring, documentation, lender submission, and transaction management from application through closing — committed to responsive service, flexible financing solutions, and a transparent lending experience.

We are not a firm that places your file with the first available lender. We specialize in complex investor transactions, with access to flexible programs many traditional brokers simply do not offer — and we remain actively involved through underwriting, documentation, appraisal, title, and closing.

Year Established
0
Years of Lending Experience
0+
Financing from $100K to $5M
$0M
Lender Network & Coverage
Nationwide
Who We Serve

Capital Partners to Every Kind of Investor.

From a first fix-and-flip to a scaled rental portfolio, our loan programs are structured around the borrower — their experience, their project, and their plan.

i.Real Estate Investorsii.Developersiii.Buildersiv.Landlordsv.Mortgage Brokersvi.Experienced Sponsorsvii.First-Time Investorsviii.Your Project
What We Fund

Investment Property Financing, Coast to Coast.

Residential One Ltd arranges business-purpose real estate financing from $100,000 to $5 million for non-owner-occupied residential investment properties — 1–4 unit homes and 5+ unit residential multifamily.

i.

Ground-Up Construction Loans

Up to 90% loan-to-cost and up to 75% of completed value for qualified investors, builders, and developers.

ii.

DSCR Rental Loans

Qualify on the property's rental income — up to 80% LTV on purchases and rate/term refinances, 75% on cash-out.

iii.

Fix-and-Flip Financing

Up to 90% loan-to-cost and 75% of after-repair value, with acquisition and renovation costs in one facility.

iv.

Multifamily, Bridge & Portfolio

Freddie Mac Small Balance, small-balance multifamily, stabilized and commercial bridge, cash-out refinance, and blanket loans.

Explore All Loan Programs
The Residential One Difference

Hands-On. Transparent. At the Table Until It Closes.

How We Work

What Sets Us Apart.

Every loan structured around the borrower's experience, project, and financial position — never simply placed with the first available lender.

Structured, Not Placed

Each loan is built around your experience, project, and financial position — matched to the most appropriate lender program.

Complex Deals, Welcome

Specialists in complex investor transactions, with access to flexible programs many traditional brokers do not offer.

Active to the Finish

Hands-on through underwriting, documentation, appraisal, title, and closing — with clear, responsive communication.

Practical Solutions

Focused on what moves qualified investors forward — flexible structures that help projects fund and close successfully.

Leadership

Meet the Founder.

Benjamin Tubbs, Founder and Vice President of Operations, at a commercial construction site

Benjamin Tubbs

Founder & Vice President of Operations

Benjamin Tubbs is the Founder and Vice President of Operations of Residential One Ltd, where he oversees loan structuring, lender relationships, processing, and business operations. He brings more than 20 years of experience in mortgage lending, direct sales, leadership, and business development.

Benjamin earned an associate degree in Business Administration from Marion Technical University and graduated Cum Laude from Ohio Christian University with a bachelor's degree in Leadership and Ministry.

He is committed to helping real estate investors and developers secure practical financing solutions while providing responsive service, clear communication, and hands-on support from application through closing.

20+ Years in LendingB.A. Leadership, Cum Laude — Ohio Christian UniversityA.S. Business Administration — Marion Technical University
Lending, Done Right

Fair, Transparent, and Accountable.

Residential One Ltd conducts business in accordance with applicable Equal Credit Opportunity, fair-lending, and Equal Housing Opportunity requirements and does not discriminate on any basis prohibited by law.

As a brokerage and third-party originator, we are not a direct lender and do not make final credit or funding decisions. All loan programs, rates, terms, approvals, and funding decisions are determined by the applicable lender, are subject to underwriting and verification, and may change without notice — and we keep you clearly informed at every step.

Work With Us

Let's Build Something Worth Financing.

Tell us about your next project. We'll structure it, place it with the right lender, and manage it to the closing table.

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