Russell & Sons Capital Group structures and funds complex commercial real estate transactions nationwide — bridge, DSCR, hard money, construction, multifamily, hotel, and land.
$50M+
Transactions Structured
8
Loan Programs
48hr
Term Sheet Turnaround
100%
Relationship Focused
✓ Direct Lender & Broker Access
✓ No Upfront Fees
✓ Nationwide Lending
✓ 48-Hour Term Sheets
✓ Relationship First
Find Your Fit
Which Loan Is Right for You?
Answer three quick questions and we'll point you to the right program. No email required.
Commercial Capital
Capital for Every Stage of the Deal
Nine commercial lending programs — from bridge and hard money to hotel financing and farm operations. Business-purpose loans through Russell & Sons' nationwide capital network.
Residential Lending
Home Financing by Michael Russell, NMLS #1955384
Personally originated residential mortgage services — FHA, VA, USDA, conventional, and refinance programs for primary homes, second homes, and owner-occupied properties. Licensed in Kentucky, Florida, Texas, and California.
⚖️
Our Capital Network
Direct Access to Every Major Capital Source
Russell & Sons maintains active relationships across the full spectrum of commercial lending — which means your deal gets placed with the lender who actually wants it, at the best terms available in the market.
Agency Lenders
Fannie Mae, Freddie Mac, HUD/FHA
SBA Certified
504 CDCs & 7(a) partners nationwide
CMBS Conduits
Non-recourse, fixed-rate, long-term
Life Insurance Co.
Top-tier pricing for stabilized assets
Regional Banks
Relationship-driven commercial lending
Private Capital
Debt funds & institutional bridge
Hard Money
Asset-based, speed-to-close lenders
DSCR Specialists
Non-QM investor-focused lenders
Hospitality Advisory
Hotel Specialist Services
Beyond financing, Russell & Sons provides specialist hospitality advisory services for sponsors, operators, and developers — feasibility, underwriting, and development consulting, delivered by a team with direct hotel-sector experience.
i.
Hotel Feasibility Studies
Two tiers: deal-stage practitioner reviews for investors evaluating acquisitions, and full bankable feasibility studies for lender submission. Covers demand analysis, competitive positioning, market penetration, and financial modeling.
—Market demand & competitive set analysis
—RevPAR penetration modeling
—10-year pro forma projections
—Brand-flag vs. independent analysis
Engagement Range
$20,000 – $50,000
Scope-based · Deal-stage vs. bankable
ii.
Hotel Underwriting
Full underwriting of hotel acquisitions or refinancings. Available as third-party advisory (loan-agnostic deal review) or co-originated (underwriting plus loan placement through our capital network).
—Hotel-specific pro forma construction
—PIP cost analysis & capex planning
—Capital stack modeling & sensitivity
—Return analysis & exit scenarios
Engagement Range
$50,000 – $100,000
Negotiable · Lower when co-originated
iii.
Development Advisory
Consulting engagements for hotel development projects — site selection, brand strategy, financing architecture, and opening readiness. Advisory role only; sponsors retain operational and fiduciary control.
—Site selection & market validation
—Brand-flag selection or independent strategy
—Capital stack & financing architecture
—Opening & ramp-up advisory
Engagement Fee
~5% of Project Cost
Advisory consulting · Not development principal
All hospitality advisory engagements begin with a complimentary scoping call to understand the project, align on deliverables, and propose a fixed or flat-fee engagement.
Hospitality advisory engagements are professional services, distinct from mortgage lending. Advisory deliverables do not constitute investment advice, legal advice, or tax advice. Each engagement is defined by written scope agreement.
Recent Transactions
Deals We've Structured
Bridge Loan
$3.2M
Multifamily acquisition
Southeast US · 48 units
Close time
11 days
Structure
24-month IO
SBA 504
$8.4M
Branded select-service hotel
Midwest · 86 keys
Down payment
10%
Amortization
25 years
DSCR Portfolio
$1.8M
6-property SFR portfolio
Southeast US
DSCR
1.32x
Term
30yr fixed
Construction
$6.5M
Ground-up townhome development
Southeast US · 22 units
LTC
85%
Term
18 months
Hard Money
$925K
Auction acquisition
Midwest · SFR
Close time
6 days
LTV
65%
Commercial Refi
$4.7M
NNN retail center refinance
Mid-Atlantic
Structure
Non-recourse
Term
10-year fixed
Deal details representative of recent transactions. Specific terms vary by borrower, property, and market conditions.
Michael Russell
Founder & Principal
About
Straight Talk. Real Deals. Results That Matter.
Michael Russell built this firm on a principle that's rarer than it should be: sophisticated borrowers deserve a capital partner who tells them the truth about their deal. With deep expertise across commercial lending and a specialization in hospitality finance, Michael brings a different kind of partnership to the table.
Hotel Investment Academy
Beyond lending — learn to own.
An intensive cohort-based program for investors ready to move beyond passive real estate allocation and into hotel ownership and operation. Taught by Michael directly, built inside an active commercial lending practice.
Three-phase curriculum covering market fundamentals, acquisition and financing, and operations through brand building. Small cohorts. Real deal flow. Applications open.
Tuition starting at $50,000. Applications reviewed personally.
All Programs
Capital for Every Deal
Select a program to learn how it works, check qualifications, and book a strategy call.
Michael Russell
Founder & Principal
Michael Russell
Founder & Principal — Russell & Sons Capital Group LLC
Michael Russell built his career on a simple but rare belief: sophisticated borrowers deserve a capital partner who tells them the truth about their deal. Not what they want to hear — what they need to know to close, capitalize, and succeed.
With deep expertise spanning commercial real estate finance, bridge lending, DSCR investment loans, hard money, construction, multifamily, and a core specialization in hotel and hospitality financing, Michael has positioned Russell & Sons Capital Group as the firm that serious investors call when complexity, timeline, or deal structure makes conventional lenders say no.
He founded Russell & Sons on the principle that family-level accountability, industry-level expertise, and direct access to capital belong in the same firm — and that investors at the highest level deserve a partner who treats their deals like his own.
Beyond lending, Michael is now building the Hotel Investment Academy — a premium, cohort-based education program for real estate investors entering the hospitality sector. It's the curriculum he wished existed when he first began specializing in hotel finance.
Michael is personally licensed in Kentucky, Florida, Texas, and California under NMLS #1955384, bringing direct multi-state lending capability across those markets — and access to Russell & Sons' full nationwide lender network for transactions in every other state. Verify his NMLS record anytime at nmlsconsumeraccess.org.
There's no shortage of mortgage brokers and lending platforms. What's rare is a principal who picks up the phone, knows your deal inside and out, and has the lender relationships to actually place it.
01
Straight Talk, Every Time
No fluff, no bait-and-switch. Michael will tell you upfront what's possible and exactly what your deal needs to get to the finish line.
02
Specialization in Complexity
Bridge, hotel, construction, hard money at scale — deals that require real experience and real relationships, not just a rate sheet.
03
Hospitality Is a Core Specialty
Michael's expertise in hotel financing is deep enough that he's now teaching it. SBA 504 structure, CMBS, PIP financing, flag dynamics — this is not a checkbox.
"I built this firm to be the call you make when the deal matters most — not a platform, not a portal. A partner who picks up the phone."
Michael Russell
Founder, Russell & Sons Capital Group LLC
Ready to discuss your deal?
A 15-minute strategy call is the fastest way to know if Russell & Sons is the right partner for your financing needs.
Answer a few questions — no credit pull, completely confidential. Helps us prep for your call.
The Process
From First Call to Funded
Good to Know
Common Questions
Book a Strategy Call
Let's Talk About Your Deal
A 15-minute conversation — no obligation, no pitch, just an honest discussion about your financing options.
Michael Russell
Founder — Russell & Sons Capital Group
⏱ 15 min · Video or phone
April 2026
Select a date
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After confirming, you'll be asked for a few brief details about your deal so Michael can prep for the call.
🔒 Your information is never sold or shared.
✓
You're All Set
Thank you for reaching out to Russell & Sons Capital Group. A member of our team will be in touch within one business day to confirm your strategy call and review deal details beforehand.
In the meantime, feel free to explore our other loan programs or learn about the Hotel Investment Academy.
