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Colorado — 14-08-2026 — Red Rock Capital, a private mortgage lending firm specializing in real estate investment financing, today announced the expansion of its non-recourse lender programs designed specifically for Self-Directed IRA and Solo 401(k) investors. The expanded offering provides real estate investors with greater access to competitive loan-to-value ratios, faster closing timelines, and financing solutions tailored to retirement-account compliance requirements.
As a non-recourse lender, Red Rock Capital allows repayment to be satisfied solely through the equity of the financed property in the event of default, limiting a borrower's personal financial exposure. This structure has become increasingly important for investors using retirement funds to acquire real estate, as IRS regulations generally require Self-Directed IRA and Solo 401(k) accounts to use non-recourse financing to remain compliant.
"Real estate investors shouldn't have to choose between growing their retirement portfolio and protecting their personal assets," said Joshua Manier, Founder and President of Red Rock Capital. "Our expanded non-recourse lender programs give investors the flexibility to finance both short-term fix-and-flip projects and long-term buy-and-hold properties, all while meeting the strict requirements of self-directed retirement accounts."
Program Highlights
The expanded non-recourse lender programs include:
- Higher loan-to-value options than many competing non-recourse mortgage lenders
- Short-term bridge and fix-and-flip loans with 1–2 year terms
- Long-term amortizing loan options for buy-and-hold investors
- Financing for single-family and multifamily properties
- Dedicated support for Self-Directed IRA and Solo 401(k) borrowers navigating IRS compliance requirements
Unlike many non-recourse mortgage lenders that apply rigid underwriting criteria, Red Rock Capital works directly with each investor to structure a loan proposal around their specific project and financial goals, offering both short-term and long-term solutions under one roof.
About Non-Recourse Lending
Non-recourse loans typically carry higher interest rates and require greater property equity than conventional recourse financing. In exchange, borrowers are protected from personal liability beyond the value of the underlying property — a structure that makes non-recourse lender programs especially attractive to investors using retirement account funds, where IRS rules restrict personal guarantees on financing.
About Red Rock Capital
Founded by Joshua Manier, who has been active in real estate investing and mortgage lending since 2002, Red Rock Capital and its affiliated companies provide marketing, loan processing, underwriting, loan servicing, and active fund management for private mortgage funds. Manier also serves as an Adjunct Instructor at Kaplan Professional Schools, where he lectures on Federal Mortgage Laws, Real Estate, and Finance, and authored Kaplan's continuing education curriculum on real estate investing within Self-Directed IRAs.
