Ruvim Khemchan

Ruvim Khemchan, the founder of Mutual Holdings, has built a reputable presence in the real estate investment and consulting industry across Oregon and Washington State. With a deep understanding of local markets, strong relationships with private lenders, and an extensive network of potential buyers, he and his firm provide clients with strategic financial solutions tailored to their real estate goals.

Khemchan’s journey in real estate began in 2004, focusing on land acquisition. He played a key role in bridging the gap between builders and investors, helping facilitate successful development projects. Over the years, his expertise has expanded to include financial advisory services, allowing him to offer comprehensive solutions that address a wide range of client needs.

Under his leadership, Mutual Holdings has grown into a trusted real estate investment and consulting partner. The firm specializes in private money lending for various projects, including property renovations, flips, speculative new constructions, and land development. Mutual Funding, a dedicated arm of the company, provides investors with critical insights into market opportunities, financing strategies, industry trends, and property management. This approach ensures clients make informed investment decisions aligning with their financial goals and risk tolerance.

Mutual Holdings prides itself on conducting detailed market research and analysis to identify the best investment opportunities for clients. The firm evaluates supply and demand, pricing fluctuations, and rental market trends to develop customized investment strategies that maximize returns.

Khemchan’s consulting process strongly emphasizes due diligence, ensuring that every potential investment is thoroughly vetted. This includes reviewing property records, assessing structural conditions, and analyzing profitability potential to minimize risks and optimize growth.

Beyond consulting, Mutual Holdings is critical in helping clients secure financing through private lending. As traditional funding sources become more restrictive, private lending offers a flexible alternative for investors. The firm connects clients with various lenders, including individuals with available capital, investment groups pooling resources for larger loans, and hard money lenders specializing in short-term, high-interest loans.

Private lenders, unlike conventional financial institutions, operate with more flexibility. Rather than rigid credit criteria, they often base their lending decisions on property value and overall financial feasibility. This flexibility results in quicker approvals and faster access to capital, enabling clients to move swiftly on investment opportunities.

Khemchan’s expertise extends across various types of real estate investments. For fixer-uppers and property flips, his firm assists clients in increasing property values through strategic renovations and enhancements. This may include adding accessory dwelling units (ADUs), permitted in Oregon and Washington, and can significantly boost property value and rental income potential.

Mutual Holdings provides investors with valuable insights for speculative new construction homes to ensure their projects appeal to potential buyers. This involves selecting prime locations, incorporating desirable features, and aligning properties with current market trends. The firm also helps connect investors with builders requiring financial backing to complete these projects successfully.

Regarding land transactions, Khemchan and his team offer expert guidance on buying and selling land to maximize investment potential. They conduct thorough assessments to determine the best use of the land, development possibilities, and pricing strategies based on market conditions and comparable properties.