Secured
Our loans are backed by physical real estate, protecting against downside risks. We require our borrowers to maintain insurance on the property at all times
WHY OUR INVESTORS CHOOSE US
Our investors receive their interest payments every single month like clockwork, on the 15th, electronically to their bank account
Passive
Investments with REI Capital Guys remain stable without market fluctuations and don't require constant oversight from our investor community
Why THE GUYS
We're with you: We have millions of dollars of our personal capital lent through the company, right alongside our investors'.
Consistent Passive Income: Earn steady, reliable returns with private real estate lending, offering fixed interest rates and predictable income streams.
Backed by Real Estate: All of our loans are backed by real estate with conservative underwriting to protect our community members' capital.
Outpaces Traditional Savings Options: Enjoy significantly higher returns compared to CDs and Money Market accounts. Our investor community members earn 7-10% on their capital.
What People Say
Professional. Excellent customer service — responds quickly to questions or concerns. We feel like we are in good hands. We are very happy with our returns and sleep well at night. A hard combination to find, especially in these times.
Working with Zach and Mike has been incredible — they're super knowledgeable and took the time to explain how investing with them works. I went from being really skeptical to really confident investing with them, and look forward to continuing to do so. Highly recommend!
A few years ago I was looking for different ways to diversify my investment strategy. Having known Zach since college I did not hesitate to reach out. Being cautiously optimistic on my first deal, Zach walked me through the process and facilitated one of the easiest investment deals I've ever made. A few years and multiple deals later, I keep going back for more!
We had some extra cash earning interest in a savings account and wanted to put it to good use. However, we also wanted to diversify our investments beyond the stock market. That's when we came across the REI Capital Guys. They easily alleviated any reservations we had about private lending. It has proven to be a reliable source of income, and we're definitely considering increasing our investment in the near future.
We have been investing with Zach for several years now and have recommended him to several close friends and family members. He is very professional, responds quickly, and genuinely cares about his investors. Highly recommend!
I was given the opportunity to work with REI Capital Guys over the past year and I have never been more pleased. The experience I have received in just a short period of time has been one of the smoothest processes I was guided through. When it comes to expanding your portfolio, REI Capital Guys knows how to get it done.
This is a solid, hands-off investment opportunity with consistent returns for those who would like to invest in Main Street instead of Wall Street. Zach and Mike are very responsive to any questions, and I am very happy with my investment returns.
We have been investing with Zach and Mike for almost a year and a half now. They have been excellent — very helpful and professional answering all of our questions and helping us navigate the process. We both trust them and feel that they care and value their investors' hard-earned money. We are both very happy with our returns and highly recommend their company.
Being one of Zach's first investors has brought growth and stability beyond what I expected, allowing me to sit back and watch my investment grow with true peace of mind.
HEAR From OUR Borrowers
Making a Difference IN THE COMMUNITY
Previously funded properties
Hampton, NH
St Petersburg, FL
Cincinnati, OH
Grand Haven, MI
Who we are
Zach Richards
has been a private lender since 2020. Zach has a background in software development and finance. He graduated from Worcester Polytechnic Institute in 2016 with a degree in Computer Science and a minor in Business, and later earned his MBA from the University of New Hampshire, with a specialization in Finance.
After five years as a software engineer, Zach transitioned to Product Management. During his time in software, he led a team in developing a Business Process Management solution overseeing engineers from the United States, India, and Poland.
Always wanting to have his own business, Zach ventured into private lending, originating loans of various sizes and developing systems to manage the loan portfolio efficiently. He also provided feedback on a friend’s private lending book, drawing on his experience in the field. He started lending his own capital, but after a few loans with his own money, friends and family became interested in participating in private lending, and his business grew from there.
Outside of work, he and his wife, Ella, volunteer with Guiding Eyes for the Blind, raising and training seeing-eye dog puppies. During his downtime, Zach enjoys outdoor activities like hiking and skiing, as well as working on his rural New Hampshire property. He also offers real estate development consulting services, focusing on analysis and underwriting for commercial buildings and ground-up developments. Zach is also an elected member of the Planning Board of his small town in New Hampshire.
Mike Seidl
is an experienced entrepreneur and real estate investor who has built successful businesses across several industries. Since 2017, he’s been focused on providing personal capital to real estate investors, earning a strong reputation for delivering safe, reliable returns.
Mike first jumped into real estate by partnering with experienced pros on joint ventures. He would provide the funding for renovations, and they would split the profits. In 2019, he pivoted to lending his capital to seasoned residential fix-and-flip operators. Things really took off in 2021 when a good friend and fellow business owner asked for a secure way to invest his money in real estate. That conversation sparked the idea for a community of investors who now lend personal capital to operators who purchase, rehab, and sell both residential and commercial properties. Together, they’ve funded loans of all sizes, from $15,000 to $2.4 million.
Before his work in real estate, Mike’s career was dedicated to helping people. After studying economics at New York University, he worked at a residential facility for sexually and physically abused kids, managed a group home for adults with intellectual disabilities, and served as a mental health worker at a psychiatric
hospital. This experience gave him a deep understanding of human behavior, which became the foundation for his first company — a medical alert systems business that he and a partner sold to a public company ten years later.
After taking five years off, Mike started his second business in the construction industry, focusing on property damage repair. He grew it into a company that handled around 250 jobs a year before selling it in 2017.
Today, Mike’s goal is to start and self-fund a nonprofit for kids who “age out” of foster care and government facilities. He plans to offer experience-based training in mindset, how the brain works, finance, nutrition, exercise, and entrepreneurship to give them the hands-on skills they need to thrive.
Zach Richards with John Maxwell, best selling author and speaker
There's a reason John Maxwell is a legend in the leadership space. When I saw him speak at an event recently, his core message about separating yourself from the pack, what he calls 'getting out of the people pile,' really hit home. It was a stark reminder that you have to actively choose to be exceptional. That exact philosophy drives how we operate our lending business. We want to be the clear standout for our clients who are serious about stepping up and executing at the highest level.
Ryan Neal [L] Seattle Seahawks
Michael Neal [R] Green Bay Packers- Superbowl Champion
I had the privilege of being a member of a mastermind with Super Bowl champion Michael Neal.
And had the opportunity to spend a day with his brother, former Seattle Seahawks safety, Ryan Neal.
Observing Michael up close, I learned firsthand the extreme discipline and meticulous preparation required to compete at a world-class level. More importantly, I saw how those same elite habits seamlessly translate from playing in front of 80,000 fans on a Sunday to achieving high-level success as a real estate investor and entrepreneur. That same relentless mindset and commitment to preparation are the exact principles we apply to our private money lending business every single day.
Mike Seidl with Sharon Lechter, Co-Author of Rich Dad, Poor Dad
I had the privilege of meeting bestselling author and financial literacy advocate Sharon L. Lechter, co-author of Rich Dad Poor Dad, and multiple other acclaimed works, through a mastermind we share.
What continually inspires me is her rare combination of deep expertise in real estate and an unselfish commitment to sharing that knowledge with others. Watching her command a room from the stage, with every person sitting on the edge of their seat, hanging on her next word, is a masterclass in leadership. Her example is a constant reminder that true success is built on a foundation of lifelong growth and generosity.
Zach Richards with Chris Sununu, Governor of New Hampshire
Sharing a room with former Governor of New Hampshire Chris Sununu at a charity event for Navy SEALs and Gold Star families was an experience I won't soon forget. When you're surrounded by people who have dedicated themselves to service and sacrifice, and by families who have paid the ultimate price losing a child in combat, it leaves a lasting mark. It was a powerful evening that underscored the true meaning of integrity. We hold those same core values close at REI Capital Guys, leading with transparency and a genuine commitment to the people we serve.
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REI Capital Guys does not make investment recommendations, and no communication through this website or in any other medium should be construed as such. Investment opportunities posted on this website are "private placements" of securities that are not publicly traded, are subject to holding period requirements, and are intended for investors who do not need a liquid investment. Private placement investments are NOT bank deposits (and thus NOT insured by the FDIC or by any other federal governmental agency), are NOT guaranteed by REI Capital Guys and may lose value. Neither the Securities and Exchange Commission nor any federal or state securities commission or regulatory authority has recommended or approved any investment or the accuracy or completeness of any of the information or materials provided by or through the website. Investors must be able to afford the loss of their entire investment. Any financial projections or returns shown on the website are estimated predictions of performance only, are hypothetical, are not based on actual investment results and are not guarantees of future results. Estimated projections do not represent or guarantee the actual results of any transaction, and no representation is made that any transaction will, or is likely to, achieve results or profits similar to those shown. Any investment information contained herein has been secured from sources that REI Capital Guys believes are reliable, but we make no representations or warranties as to the accuracy of such information and accept no liability therefor. Offers to sell, or the solicitations of offers to buy, any security can only be made through official offering documents that contain important information about risks, fees and expenses. Investors should conduct their own due diligence, not rely on the financial assumptions or estimates displayed on this website, and are encouraged to consult with a financial advisor, attorney, accountant, and any other professional that can help you to understand and assess the risks associated with any investment opportunity. Investments in private placements involve a high degree of risk and may result in a partial or total loss of your investment. Private placements are generally illiquid investments. Investors should consult with their investment, legal, and tax advisors regarding any private placement investment.