Rivara Capital
rivaracapital.com
516-894-2000
Eliminating the “Liquidity Trap” in Real Estate Investing
Real estate investors often hit a “scaling ceiling” not due to poor property performance, but because of rigid lender requirements. Traditional DSCR (Debt Service Coverage Ratio) refinancing often forces investors to lock up 3–6 months of PITI (Principal, Interest, Taxes, and Insurance) as upfront reserves, effectively stalling their growth.
The Problem: The Industry-Standard “Cash Grab”
Standard private lenders require significant liquidity at closing. This creates three major hurdles for the modern investor:
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Locked Capital: $10,000–$20,000 of liquid cash is often stripped away at the closing table.
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High Opportunity Cost: Capital is held “hostage” in escrow instead of being deployed into new rehabs or acquisitions.
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Stalled Momentum: Frequent reserve requirements make it mathematically difficult to scale a large portfolio quickly.
The Solution: Rivara Capital’s Zero-Reserve Program
Rivara Capital addresses the “velocity of money” by removing the upfront reserve barrier. Their nationwide program allows investors to refinance or purchase properties without prepaying months of mortgage payments.
| Feature | Traditional DSCR Lenders | Rivara Capital |
| Upfront Reserves | 3–6 Months PITI Required | Zero Reserves Required |
| Capital Impact | High Liquidity Drain | Maximized Cash Flow |
| Scaling Potential | Limited by Cash Reserves | High Velocity of Money |
Full-Lifecycle Financing Options
Beyond zero-reserve refinancing, Rivara Capital provides a comprehensive suite of lending products designed for professional investors:
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Fix & Flip: Fast funding for rapid-turnaround rehab projects.
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DSCR Refinance: Seamless exits from bridge debt with no reserve “hammer.”
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Ground-Up Construction: Custom financing solutions for new builds.