New Construction
Financing for ground-up building projects.
Private lending for real estate investors.
RC Capital is a private hard money lender. We fund fix & flips, bridge loans and new construction projects for non-owner occupied properties.
Rich Sammons & Chris TsakalosMeet the partners
I could have never settled in 2 weeks with my “traditional” bank! Chris & Rich made it easy & painless.
We don’t charge pre-payment penalties, junk fees, or to inspect your property.
We lend our own money.
Who we are
Built to be the opposite of most private lenders.
RC Capital is a private “hard money” lender, based in Baltimore, Maryland. After years of experience investing in real estate, we started this business to be completely opposite of most other private lenders.
For starters, we’ll never charge pre-payment penalties, junk fees, nor to inspect your property. We’re in this business to build long term relationships with our clients, help them grow, and be part of their team.
Our creative loan programs are tailored to fit your unique project needs. We fund fix & flips, bridge loans, and new construction projects for non-owner occupied properties. We look forward to becoming your lending partner!
What we do
Loan programs tailored to fit your project.
Fix & Flip
Funds to buy a property and renovate it for resale.
Bridge Loans
Short-term financing that carries a property until you sell or refinance.
For non-owner occupied properties.
Apply nowHow we’re different
A local lender that wants you to profit.
We lend our own money
Private money loans are not for everyone, and not everyone will qualify. However, for many real estate investors private lending provides a fast and nimble source of capital not available from typical banks.
We lend our own money and do not sell our loans on the secondary markets. Instead, we decide which loans to fund based on our own risk tolerance, and investment lending experience.
We want you to profit
The best way to minimize our risk is to make sure that our borrowers are poised for success.
We openly share our expertise and our knowledge of local markets to help ensure you will make a decent profit.
We build relationships
We are a local business supporting local real estate investors. Just like you, we want to work with people who are accessible, reliable and competent.
We have a variety of private money programs designed to build mutually beneficial relationships with experienced investors and repeat clients.
As we like to say
“Everyone eats.”
Our team
Two partners, rooted in Baltimore.
Rich Sammons
Partner
In 1995, Rich Sammons began his real estate investing career by purchasing his first fix & flip property. Over the next 25 years, Rich became completely immersed in the real estate business, completing countless flips, building a successful rental portfolio, and becoming a licensed State inspector.
As an inspector Rich worked directly with rehabbers and investors, often consulting on their project challenges and how best to fix them. Rich has since moved away from inspections and consulting and focuses primarily on real estate investing and lending in the Baltimore Metropolitan area.
Chris Tsakalos
Partner
Chris Tsakalos was born and raised in Phoenix, MD. A graduate of Calvert Hall, as well as Stevenson University where he earned a bachelor’s degree in Business Administration. Deeply rooted in Baltimore, Chris’ grandparents were founders of the iconic H&S Bakery Fells Point. Following college, Chris spent much of his professional career serving in many different roles in the family bakery business.
In 2019, Chris decided to make a career change as an investor, and that’s when he partnered with Rich. To this day, Chris still resides in Phoenix, along with his wife & 3 children. His passions include sports, philanthropy & giving back!
What our clients say
I was nervous contacting a private lender, but am so glad I did. I could have never settled in 2 weeks with my “traditional” bank! Chris & Rich made it easy & painless. Highly recommend them!
I wanted to purchase a rental property. The property I liked needed a ton of work, and my bank said they wouldn’t take the risk. RC was able to loan me the funds for the property & the repair. After it was renovated & rented, I was able to refinance it with my bank with no issues!