Turning Historic Properties Into Profitable Investments

We simplify complex preservation projects through specialized financing and expert guidance, maximizing tax credit benefits while honoring architectural heritage. Our approach reduces costs, accelerates timelines, and delivers successful outcomes for developers and communities alike.
0+M
In State Historic Tax Credit reinvestment
0
Projects across seven states
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Housing units created or rehabbed
0%
Of housing units included an affordable component

Your Historic Preservation Partner

By partnering with Rethos through Historic Rehab Loans, you bring transformative development and education to every community project.

Your Project. Financed Better

Historic Rehab Loans by Rethos offers tax-advantaged loans to projects using state historic tax credits. Get instrumental capital for redevelopment when you need it most.

An Expert Partner in Your Corner

We partner with industry leaders in development, finance, construction, and law to provide customized, exceptional service that is responsive to your needs and situation.

A Community's Next Chapter

Historic buildings help communities tell their story. Development helps communities build their future. Rethos helps bring those two together.

Basic Terms of Loans

Final loan terms are tailored to each project and formalized in a commitment letter and loan documents. Loan amounts are based on the value of the State Historic Tax Credit, and funds are disbursed after project completion.

The following standard terms apply to all loans:

  • Origination Fee: 2.5% of the loan amount
  • Interest Rate: 0.1% interest-only payments
  • Loan Term: 40-year amortization schedule
  • Public Benefit Contribution: A Good Steward Fee supports Rethos’ nonprofit programming. This fee is tied to the total amount of tax credits allocated to the project.
  • Legal Fees: $15,000 in legal costs paid by the developer for Rethos entities
  • Buyback Option: After 5 years, Rethos offers the developer an option to purchase the note at fair market value with a 15% discount

Trusted Partners

We collaborate with these respected organizations to deliver exceptional financing solutions and expertise for historic rehab projects.