What a DSCR loan actually is
How a rental qualifies on its own income, what ratio lenders look for, and why it's become the standard tool for investors.
Ask us about DSCRInvestment.Commercial.Financing solutions.
Red Rock Lending is a mortgage brokerage company specializing in investment property and commercial financing solutions. We work with third-party lending institutions to help borrowers identify financing options appropriate for their needs. We do not directly fund mortgage loans, and we are not a mortgage lender.
Licensing status. Red Rock Lending is preparing to offer mortgage brokerage services, subject to applicable regulatory approvals. Florida mortgage broker licensing is currently pending (company NMLS #2907648 — pending approval). The company is not currently accepting residential mortgage loan applications or offering residential mortgage brokerage services.
Financing options
Every option below is arranged through third-party lending institutions; Red Rock Lending does not fund or approve loans. DSCR and hard-money financing are our specialties — the options we're asked about most.
InvestmentFor real estate investors — rental, flip, build and hold
- Rental / DSCR Specialty
- Qualify on the property's rent, not your tax returns. The cleanest path for investors adding doors.
- Bridge
- Short-term capital to close fast and refinance later. Purchase or cash-out.
- Construction hard money
- Ground-up or heavy rehab for build-to-rent and build-to-sell. Draws tied to progress.
CommercialIncome property and owner-occupied business real estate
- Commercial hard money Specialty
- Asset-based financing when the timeline or the file doesn't fit a bank. Our most-requested commercial option.
- Multifamily
- Five units and up — acquisitions, refinances and value-add.
- Office and retail
- Stabilized and transitional properties, including mixed-use.
- Warehouse
- Distribution and flex buildings.
- Industrial
- Light manufacturing and specialized industrial space.
- Land
- Entitled and development land, arranged through commercial and hard-money lending partners. Sized to the land's value, not just its acreage.
Rates, terms and availability are set by the third-party lending institution and vary by program, property and borrower. We don't publish rates. All financing is subject to the lending institution's credit approval.
Why one team matters
Red Rock Lending is part of the Red Rock Holdings group alongside Goyal & DeCoster Realty. The same philosophy runs through both: handle every real estate need a client has, so they never have to start over with a stranger.
- Every product, one conversation
Investment and commercial financing support from one team, so an investor working on several properties has one point of contact.
- Financing that follows the deal
Buying through Goyal & DeCoster? The financing side already knows the property, the timeline and the contract.
- Plain answers on hard loans
Construction and commercial financing are where most borrowers get lost. We explain the structure before you commit to anything.
- Realtor friendly
Agents get a direct line and honest timelines — the things that keep a contract alive.
Part of Red Rock Holdings
Red Rock Lending is one of the operating companies of Red Rock Holdings, the Orlando group behind Goyal & DeCoster Realty. Real estate, capital, financing and consulting sit under one roof, and a portion of every deal flows to the group's foundations.
Solid = operating today · Dashed = future addition · Tap the chart to open it full size.
- Goyal & DeCoster RealtyResidential and commercial brokerage — Florida, Texas, Ohio
- Red Rock LendingMortgage brokerage, Florida licensing pending — this site
- Red Rock InvestmentsProperties and joint ventures
- Red Rock CapitalJV partnerships and deal flow
- Red Rock ConsultingPartners and advisors, since 2014
- FoundationsThe Humanitarian Alliance · World of Grace · Human Potential Foundation
- Red Rock TitleClosings and escrow — coming
- Red Rock Construction & Architecture / DesignComing
- Red Rock InsuranceBuilder's risk and property — coming
How financing comes together
- Tell us the deal
A call or the form below. Property, purpose, timeline, and what you'd like the financing to do.
- We identify options
Within a business day you hear which third-party lending options may fit, what each needs from you, and what to expect on timing.
- One file, one contact
Victoria collects the documents once and runs the file with the lending partner — you never re-explain your deal.
- Lender decision
Underwriting, approval and closing are handled by the lending institution; we coordinate with you, your agent and the title company along the way.
Questions we hear most
I don't show much income on my tax returns. Can I still buy a rental?
Usually, yes. A DSCR loan qualifies on the property's rent rather than your personal income. It's the standard tool for investors who own businesses or write off heavily.
Can you help with land financing?
Yes, we arrange it through commercial and hard-money lending partners — typically land that's entitled or headed for construction.
What is "hard money," and when does it make sense?
Short-term, asset-based financing. It costs more than a bank loan but closes fast and looks at the property first. It fits purchases on a deadline, heavy renovations, and borrowers whose paperwork doesn't fit a bank's box — with a plan to refinance into long-term financing after.
Do you work with real estate agents?
All the time — including the agents at Goyal & DeCoster. Agents get a direct line and honest timelines.
Will you publish your rates?
No. Rates change daily and depend on the program, the property and the borrower, so a number on a website would be wrong by the time you read it. Terms come from the lending institution for your specific scenario.
Learn
The financing options people don't know exist are usually the ones that would have worked. Short explainers, no jargon.
Commercial loans are simpler than they look
What a lender needs to see on a multifamily, office or warehouse deal — and the questions to answer before you call.
Ask us about commercialLeadership
Red Rock Lending, LLC is the mortgage brokerage company of Red Rock Holdings, founded in 2026 and based at 121 South Orange Avenue in downtown Orlando. Florida mortgage broker licensing is pending.
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Freddy DeCoster
President, Red Rock Lending · President & CEO, Red Rock Holdings
More than twenty years in real estate as broker, developer and investor, with a specialty in structuring the financing behind development projects and complex commercial transactions. Co-founder and Broker of Record of Goyal & DeCoster Realty and the architect of the Red Rock Holdings group — real estate, capital, lending and consulting under one roof. Member of the CCIM Institute. Fluent in French, English and Spanish; reads Italian, German and Portuguese.
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Raj Goyal
Chief Executive Officer
Real estate developer, investor and entrepreneur with more than 28 years across real estate, manufacturing, hospitality and trading. Focused on income-producing property and development across multifamily, industrial, hospitality, commercial and land in Florida and Texas. Co-owner of Goyal & DeCoster Realty.
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Jim Gibbons
Chief Operating Officer
More than three decades running manufacturing and consumer-products companies. President of NaturesPlus for 33 years, overseeing global operations for a vertically integrated nutraceutical business with 800-plus products in 92 markets; later President of Khrysos Industries and Chief Executive Officer of AlphoMX, both in Florida. Brings operational discipline, enterprise systems and investor-readiness experience to Red Rock Lending.
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Victoria Ralicki
Managing Partner
More than thirty years in real estate, sales and lending, serving investors, developers, builders and families across Central and South Florida. Victoria leads Red Rock Lending day to day, with hands-on experience in DSCR and rental loans, conventional, commercial, bridge and foreign-national programs. Bachelor's degree in Business, Bogotá. Bilingual in English and Spanish.
321-446-5410
Contact us
Questions about investment or commercial financing? Send a few details and we'll be in touch. This is a general inquiry form, not a loan application. Red Rock Lending is not currently accepting residential mortgage loan applications.
Prefer to talk? 321-446-5410
Sent. Victoria will be in touch within one business day.