Ruvim Khemchan

Ruvim Khemchan, leading Mutual Holdings, has distinguished himself as a prominent figure in the real estate investment and consulting industry within Oregon and Washington State. His firm is proficient at managing intricate property transactions, leveraging his extensive insight into local market nuances, his wide network of private financiers, and a vast pool of potential buyers. This combination of resources equips him to effectively cater to his client's financial needs for their diverse real estate projects. Khemchan began his real estate career in 2004, focusing on land acquisition and establishing pivotal connections between builders and investors keen on launching construction projects. His role has since expanded to encompass comprehensive financial assistance for clients, significantly broadening his impact within the real estate sector. Under Khemchan's direction, Mutual Holdings has become known for its expertise in real estate investment and consulting and for facilitating private money lending for various projects, including renovations, flips, speculative new constructions, and land developments. The company's division, Mutual Funding, educates new investors in the real estate market, offering expert advice on investment opportunities, financing options, market trends, and property management. This guidance ensures that clients' investments are carefully aligned with their financial goals and risk tolerance. The team at Mutual Holdings commits to extensive research and meticulous analysis of the real estate market to uncover the most promising investment opportunities. They delve deeply into market indicators such as supply and demand trends, pricing fluctuations, and rental rates, gathering data for developing customized investment strategies that meet their client's specific requirements and ambitions. Khemchan takes a hands-on approach in consulting, emphasizing the importance of thorough due diligence for each potential investment. This rigorous process includes detailed reviews of property records, assessment of property conditions, and analysis of the properties’ potential for growth and profitability to ensure the investments are secure and promising. Moreover, Mutual Holdings assists clients in obtaining financing through private lending, becoming an essential resource as access to traditional funding sources tightens. This segment includes diverse lenders, from individual investors seeking opportunities to investment pools offering larger loans and hard money lenders focused on short-term, high-interest loans. Private lenders operate with more leeway than traditional financial institutions like banks and offer more adaptable lending criteria. Rather than strictly adhering to conventional lending standards, they frequently evaluate prospects based on the property’s intrinsic value or the borrower's overall financial standing. This flexibility often leads to quicker loan approvals, a critical advantage for clients requiring immediate financial solutions. Khemchan’s advice also covers various real estate investment types. In fixer-upper and flip ventures, his firm assists clients in rapidly increasing property values for swift resale, aiming to maximize short-term gains. This includes extensive property renovations or additions, such as Accessory Dwelling Units (ADUs), which are regulated and permitted in Oregon and Washington and enhance a property's functionality and market value. For speculative new construction homes, Mutual Holdings advises on strategic choices that make properties appealing to buyers, such as selecting prime locations and adding popular features that align with current market preferences. Additionally, the firm helps bridge the gap between investors and builders needing financing for these projects.