You learned how to run the home. Now let’s get it funded.
RAL Academy partnered with RC Lending to help students finance their residential assisted living property, from your first home to your fifth.
See My Financing Options Takes 2 minutes. No credit pull, no cost, no commitment.From RAL Academy Training to Keys in Hand
The training taught you the Do Good, Do Well method. The missing piece is the property itself, and that’s where most students stall.
RC Lending is the financing team RAL Academy trusts with its own students. One conversation, and you’ll know exactly what you qualify for and what your path to opening day looks like.
Start My ConversationTell us about your property plans
What you’re buying or converting, your timeline, and your financing situation. Two minutes, no credit pull.
Get matched to your program
Ricardo’s team searches 3,000+ programs across 130+ lending partners for the one that fits your deal.
Close in 14 to 30 days*
Servicing all 50 states and Puerto Rico, so wherever your home is, your loan officer keeps the timeline on track.
Open your doors
You stay updated at every step, from application through funding through opening day.
Recommended by RAL Academy’s CEO
Isabelle vetted RC Lending directly before recommending it to students and graduates.
“Our students spend their training learning exactly how to open and run a residential assisted living home. The first question after that is always how to fund it, and RC Lending is our answer. They understand the RAL model, and I trust them with our students.”Isabelle Guarino · CEO, Residential Assisted Living Academy
Financing Built for the RAL Business Model
A residential assisted living home isn’t a standard deal, and most banks treat it like one. RC Lending matches you from 3,000+ programs that understand what you’re actually building.
See What I Qualify ForSBA 7(a) & 504 Loans
Our primary route for funding RAL properties. See why below.
Owner-Occupant RAL Conversion
Buy a home to live in while operating a small RAL home.
Investment & DSCR
Qualify on the home’s cash flow, not just your tax returns.
Commercial & Multi-Bed Facility
Purchase or refinance larger group homes and existing RAL businesses.
Construction & Licensing Renovation
Fund the remodel that gets your home to licensing standards.
Fix and Flip / Value-Add
Fast funding for distressed properties you’ll convert to RAL use.
Refinance & Cash-Out
Tap existing equity to expand, renovate, or open home number two.
Portfolio & Multi-Property
Financing that scales as you grow across properties and entities.
1031 Exchange
Timeline-sensitive financing matched to your exchange deadlines.
Why We Lead With SBA Financing for RAL Homes
A residential assisted living home isn’t just a house, it’s an operating business. Conventional residential loans often fall short of that reality, which is why SBA-backed lending is usually the strongest way to fund a RAL property.
Ricardo’s team walks you through the SBA process end to end, so the paperwork never becomes the reason you don’t open.
Built for owner-operated businesses
SBA 7(a) and 504 programs exist specifically for buying property your business operates in, which is exactly what a RAL home is.
Keep more capital for opening day
Down payments are often lower than conventional commercial loans, leaving more of your cash for licensing, staffing, and startup costs.
Longer terms, lower monthly payments
Longer amortizations keep monthly payments manageable while your home fills its beds.
One loan can cover more
The purchase, renovations to licensing standards, and working capital can often be bundled into a single SBA package.
See What You Qualify For
Tell us about the RAL property you’re looking to buy, convert, or refinance. We’ll match you with the right program and keep you updated every step of the way.
No credit pull, no cost, no commitment. RC Lending has funded $600M+ nationwide, including specialized-use properties like licensed residential care homes.
Ricardo Carrillo
Ricardo built RC Lending’s programs for real estate scenarios beyond standard bank underwriting, including licensed care-home properties. He personally oversees every RAL Academy-connected client, from first conversation to closing day.
Servicing all 50 states and Puerto Rico.
Wherever you’re opening your home, RC Lending is already there.
Your RAL Home Starts With One Conversation
Whether you’re buying your first property, converting an existing home, or expanding your portfolio, there’s a program built for it.
See My Financing Options Takes minutes. No credit pull, no cost, no commitment.RC Lending is a Team of Cornerstone First Mortgage
Lender
Company NMLS ID: #173855 | Individual NMLS ID: #1820777
© 2026 Cornerstone First Mortgage, LLC supports Equal Housing Opportunity. NMLS ID# 173855. This is informational only and is not an offer of credit or commitment to lend. Interest rates, products, and loan terms are subject to change without notice and may not be available at the time of loan application or loan lock-in. Contact Cornerstone First Mortgage, LLC to learn more about your eligibility for its mortgage products. Loans are subject to buyer, builder, and property qualification. Cash reserves may be required. Cornerstone First Mortgage, LLC is not acting on behalf of or at the direction of HUD/FHA or the Federal Government. (www.nmlsconsumeraccess.org)
*14–30 day closings reflect an average for most loan programs and typically do not apply to commercial or SBA programs. Reach out to your loan officer for more details.
RC Lending is proud to serve as the recommended financing partner for Residential Assisted Living Academy students and graduates. RC Lending is a licensed mortgage company servicing all 50 states and Puerto Rico. Loan programs, rates, and eligibility criteria are subject to change and are subject to individual qualification. This is informational only and is not a guarantee of approval or of specific loan terms.