You Built a Purposeful Business.
Now Build a Cash-Flowing
Portfolio to Match.
You already understand real estate. RC Lending is the financing partner that helps Sober Living Riches operators close investment properties in as few as 14–30 days, qualifying on the property’s income, not yours, with no W-2 required.
The Sober Living Riches Wealth Equation
How one purposeful property becomes multiple income streams, built-in tax benefits, and real long-term equity.
/ mo gross income
/ mo net cash flow
tax shield
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Let’s Find Your First Deal
Andrew Lamb built Sober Living Riches to prove that real estate and purpose aren’t separate. RC Lending is how his community scales. Answer a few quick questions, free, no credit pull, no commitment.
As recommended in the Sober Living Riches community by Andrew Lamb
Your Path to Cash Flow in 4 Steps
A simple, proven framework from first conversation to your first rent check.
Apply in 60 Seconds
Fill out the short form above. No credit pull, no commitment. We identify the right loan program for your situation immediately.
Get Pre-Approved
RC Lending reviews your profile and issues a pre-approval letter so you can make offers like a serious buyer from day one.
Find Your Property
With your financing locked in, our team helps you identify markets and properties with strong cash-flow potential and investor-friendly terms.
Close & Cash Flow
Close in as few as 14–30 days with an investor-optimized loan. Start collecting rent on a property that works for you, not the bank.
Why Andrew Chose RC Lending
Three reasons Andrew Lamb personally recommends RC Lending to the Sober Living Riches community.
They Qualify on the Property, Not You
As a property operator, your income can look complex on paper. RC Lending’s investor loan programs qualify based on what the property earns, not your W-2 or tax returns.
They Close in 14–30 Days
Operators move fast. RC Lending keeps up. Their investor-optimized process cuts the red tape so you can lock in a deal before someone else does.
They Go Wherever the Deal Is
Servicing all 50 states and Puerto Rico, whether you’re expanding locally or into a new market, RC Lending is already there and ready to close.
I only recommend partners I trust with the people in my community. RC Lending closes fast, qualifies on the property’s income, not your tax returns, and treats every client like a priority. That’s exactly what Sober Living Riches stands for. If you’re ready to grow your portfolio, this is the team I’d put my name behind.
Operators Who Did It
Real investors who went from zero rentals to cash-flowing properties with RC Lending.
“I operate three sober living homes and always thought DSCR loans were only for traditional rentals. Ricardo showed me exactly how to use them to expand. Closed on a new property in 22 days, the cash flow has been incredible.”
“As a community housing operator, my income looked complex on paper and traditional lenders kept passing. Ashley made it simple, qualify on the property, not my tax returns. Closed in 18 days. Now on my 5th location.”
“Mackenzie took the time to find the exact right loan for my situation. I’m now cash-flowing $900/month on a property I’ve never visited in person. The whole experience was seamless.”
“I had no idea I could qualify with 10% down. Ricardo found me a program that fit perfectly. Closed in 18 days and my tenants cover the entire mortgage plus some. Couldn’t be happier.”
“Ashley’s knowledge of investor loans is on another level. We’re now on our third property and she’s handled every single closing. The speed and communication are unmatched.”
“Mackenzie explained everything in plain English. No runaround, no surprises. RC Lending qualified me on the property’s income, not just my W-2, and we closed in 14 days. Best financial decision I’ve made.”
“Ricardo personally guided me through buying remotely. I was nervous but he made it easy. Investor loan, cash flows from day one, closed in 22 days. I’ve already referred three friends.”
“Ashley locked in our rate fast and kept us updated every step. 10% down on a duplex, something every other lender said was impossible. Already up 12% in value since we closed. RC Lending is the real deal.”
You’re in Good Hands
When you submit your info, Ricardo personally ensures you get the right advisor and loan program for your goals.
Everything You Need Under One Roof
Investor-specialized mortgage programs, dedicated advisors, and a process built for speed, all from a single licensed team.
3,000+ Loan Programs, No W-2s or Income Required
RC Lending has access to over 3,000 loan programs, including options that qualify on the property’s income rather than tax returns. Complex income picture? We have a solution for that.
130+ Lending Partners
From big banks like Citi Bank, US Bank, and Truist, to small local banks that only operate in individual states, RC Lending will go the extra mile to make sure you get the best terms.
Servicing All 50 States + Puerto Rico
Buy in any market that makes sense for your goals. RC Lending is ready to close wherever the best deals are.
Close in 14–30 Days
Our investor loan process is built for speed. Less paperwork, faster underwriting, and a dedicated loan officer from start to close.
Low Down Payment Options
Access programs starting at 10–15% down for investment properties, so you preserve capital and can scale your portfolio faster.
$600M+ Funded
Over $600 million in closed investor loans. That track record means faster approvals, better program access, and a team that has seen every scenario.
End-to-End Support
From your first question to the day you collect rent, your RC Lending advisor is with you. No guesswork, no ghosted emails, no handoffs.
People. Purpose. Profit.
Andrew Lamb trusts RC Lending with the Sober Living Riches community because the mission aligns, purposeful real estate that actually cash-flows. Join 2,500+ investors already building their portfolio. It starts with one form.
No cost. No credit pull. No commitment. Just your first step toward real estate income.
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)
Results shown are not typical. Individual results may vary. This is not a guarantee of approval or specific loan terms. RC Lending is a licensed mortgage company operating in all 50 states and Puerto Rico. Loan availability, rates, and programs are subject to change and borrower eligibility. Investing in real estate involves risk including the possible loss of principal. Please consult a licensed financial advisor before making investment decisions.