One Platform. Multiple Origination Verticals.
Organic Growth Through Adjacent Strategies
RAM maintains core investments in real estate tax liens and senior-secured real estate debt. The company has followed a natural growth trajectory by expanding into new, adjacent asset classes that are unearthed in the regular course of business.
Real Estate Tax Liens
Hundreds of municipalities nationwide seek private investment annually in order to collect on their delinquent property tax receivables. Generally state-mandated, property tax lien sales serve to ensure that local governments have cash to fulfill their budgets and also offer an opportunity for delinquent property owners to benefit from the competitive bidding process for their debt.
Property tax collection can comprise up to 75% of a local municipality’s annual budget, making investment from the private sector a critical element in municipal finance. The liens that are sold to private investors represent a super-priority secured interest in the underlying real estate.
- Tax lien certificate acquisitions
- Tax deed investments
- Municipal partnership programs
- Portfolio servicing capabilities
Property Tax Lending
RAM operates as a licensed and regulated property tax lender in the state of Texas through its subsidiaries. Property tax lending dates back to the Great Depression when the Texas legislature created a means for the private sector to engage in the direct finance of delinquent property taxes. Property tax lending is very operationally complex.
Through a direct-to-consumer financing transaction, property tax lenders receive assignment of a property tax lien that represents the same super-priority security position as a tax lien anywhere else in the country.
- Bridge and construction loans
- Fix-and-flip financing
- Commercial real estate loans
- Mezzanine debt structures
Senior Secured Lending
The company engages directly in traditional private credit through senior-secured real estate finance or hard money lending. The strategy is consistent with the rest of the platform’s asset-based focus and prioritizes security.
As the company’s footprint in property tax lending grows, new opportunities to originate well-secured mortgage loans continue to present themselves. RAM is currently in the process of expanding its mortgage lending platform to accommodate an increasing demand for credit.
- Distressed asset acquisitions
- Value-add opportunities
- Special situation investments
- Flexible holding periods
Get in Touch with Our Team
RAM seeks investment in a variety of different structures, including private funds only available to accredited investors. If you have an interest in secured real estate investments, please contact our team. We’ll be happy to discuss existing opportunities with you.
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