We lend to landlords and we are landlords. Two lending brands built for the investors banks ignore — and a flex industrial platform we own and operate ourselves.
We built a company for each of you — the real estate investor and the physician landlord. And a third platform, The Yard, where accredited investors participate as limited partners in the flex industrial space we own and operate. Same direct capital behind all three.
You own rental property. Your bank keeps saying no — because you're self-employed, or you hold title in an LLC, or your tax return doesn't reflect what you actually earn. We look at the property's income, not yours. If it cash flows, there's a conversation to be had.
High income. Complex return. Student loans that make your debt ratios look impossible on paper. Conventional lenders see that and move on. We look at the rental property you're buying — what it earns, what it costs, and whether the numbers work. They often do.
We are not just a lender who talks about real estate. We are landlords. The Yard is our flex industrial platform — we acquire underutilized warehouses, convert them into purpose-built flex units for the trades, and operate them as long-term income assets. We raise capital for specific acquisitions and operate alongside our limited partners.
There are 3.9 million contractor businesses in the United States. Fewer than 10% will ever own the building they operate out of. They need a bay door, a bathroom, heat, and enough room to stage a job. They need this every year — indefinitely. We build exactly that.
We identify the acquisition, negotiate the deal, and raise capital from a defined group of accredited limited partners for each specific project. You participate alongside us in a targeted, asset-specific offering — not a blind pool across an entire portfolio.
Most lenders talk about real estate. We underwrite it, we fund it, and we own it ourselves. The Yard is the proof — we put our own capital into the same buildings we invite limited partners into.
Two separate things happen here. Landlords and physicians apply for loans — we fund them in 14 days. Accredited investors participate as limited partners in specific real estate acquisitions we operate. Completely different relationships. One company behind both.
I started Birch & Dobson in 2007 because landlords deserved a lender who looked at the property — not the borrower's employment history. We've funded over $200 million in loans since, and the model hasn't changed.
What has changed is the scope. We started as a lender. Now we're landlords too. The Yard is the natural extension of 18 years underwriting income-producing real estate. We acquire underutilized warehouses, convert them into flex space for the trades, and bring in a defined group of limited partners on each deal.
Two different relationships exist here. Borrowers get loans. Limited partners participate in real estate acquisitions. Neither one is the other. We're intentional about keeping them separate.
Three platforms. Three distinct audiences. All under one roof. Pick the one that fits your situation.
Direct lender since 2007 · No brokers · Rosemary Beach, FL · Birch & Dobson LLC