Looking for Quality Workmanship in a General Contractor? Licensed/Bonded/Insured, no job too small


We are a high-end construction rehab team consisting of an experienced General Contractor of 20+ years, Real Estate Agent with 10 years experience & Marketing Executive with 15 years experience.

We are in the business of locating, privately funding (through trust deed lenders) luxury rehab projects throughout the Los Angeles area. We are well experienced with all phases of rehab and construction including basic kitchen/bathroom remodels, swimming pools, windows, smooth finish stucco, landscaping and complete demo/scrape/ground-up construction.

We are always in the market for off-market fix/flip candidates that we can either add square footage, repurpose, re-zone, sub-divide or improve for a profit. We’ll look at anything that has upside.

If you are looking for a dependable, fair contractor that’s licensed, bonded & insured to manage your project, or manage your contractors & sub-contractors, contact us! We can also provide the initial SOW (Scope of Work) to your lender and be your experienced contractor to help you qualify for ARV loans!

Right now reinforcing & replacing the fittings in your home can be important if you have an older home, since we live in an earthquake State! We can help with this!

We can provide one-on-one mentoring for 1st-time flippers, women are welcome to contact us!

If you’re interested in becoming a gap partner or trust deed investor, let me know, we constantly have opportunities to fund. We can keep your funds moving.

Here are some projects completed and shows our work..

9222 Bartley Ave Santa Fe Springs, CA 90670 

Purchased on 3/21 for $350K,

Sold 9/16 for $500k after investing $50K rehab.

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653 Tularosa Dr. Silver Lake, CA 90026

Purchased 3/15/15 for $625K, Invested $250K rehab

Sold for $1,350,000 on Apr 12, 2017

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4083 Sea View Ave Los Angeles, CA 90065

Purchased  8/24/16 for $1,150,000 With a rehab budget of $300,000. Currently in construction with 60 days remaining.

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Almost Finished- 60 days left

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Private Portfolio Builder Program – Build Your Nest Egg!


I’m working with a group of Midwest originating brokers who are helping clients acquire assets and build their nest eggs. This is their program.

A Program designed for Real Estate investors to Acquire, Cash flow,

and Re capitalize on Rental Properties!

As Real Estate  Investors  know these days; Banks, Lenders and even Private Capital want large down payments to purchase non‐owner occupied investment properties, for the purposes of building a rental portfolio. The secret to building wealth in real estate is building large monthly positive cash flows. In the recent years, that has become  increasingly difficult.

So, let’s isolate the biggest problems real estate investors have in growing their portfolio, while explaining how the Private Portfolio Builder Program overcomes these issues:

Growth Capital Whether it’s a 20% Down Payment or Larger, that’s a lot of capital to put out there to purchase a rental property. Even if the internal rate of return is 20%, it still takes 5 years for a Real Estate Investor to re capitalize their down payment investment.

Lack of access to growth capital puts any business, whether real estate, or selling hamburgers at risk of not being able to grow. A simple  rule of thumb is if you are not growing your business, you are losing profitability, due to the increase in COGS and other operating costs that virtually increase  every year!

With banks frowning upon Real Estate Investors and their businesses,  this is still a tough environment for those that need to have access to capital to grow and thrive, instead of just survive!

Solution The Private Portfolio Builder Program has partnered with a 2nd Mortgage Lender that will only lend to participants of the program. This 2nd Mortgage Lender has great rates, and has agreed to lend a 2nd Mortgage on any of the Program’s assets.  This second mortgage will provide:

  1. 20% Down Payment required by the 1st Mortgage.
  2. $15,000 Above the Purchase Price to re capitalize the investor to allow for more Acquisitions within the communities. This is funded through the Community Reinvestment Loan.
  3. Utilize this program for up to 4 purchases of Multi Family Properties (2-4 units)

Why is this Program so Advantageous to a Real Estate Investor looking for Cash Flow Producing assets?

  1. The Community Reinvestment  Loan allows Participants to Purchase other Rental Assets and Increase  Portfolio Holdings through our $15,000 Recap Program.
  2. This Stabilized Program will ensure  long term Success  with our Asset Management Strategy.
  1. Turn-Key and Auto Payments through our development and Voucher Program.

Now, this doesn’t mean that program Participants do not have to put down a down payment or have reserves. The first mortgage still requires the down payment and reserves, so that must be placed into the transaction. What we have done is developed a relationship that will recapitalize your down payment plus $15,000 recapitalization,  allowing you to continue to build your portfolio, while capturing the cash flows that our Program’s buildings will offer!

Yes. This program has complexity to it, and does require a two step closing of the purchase 1st Mortgage, and then our Lender’s 2nd mortgage a few days after the closing the 1st. We are not only real estate investors, but we understand banking and private lending very well. This is the only way that this program becomes viable, as people without the knowledge and experience of the Chicago Real Estate Markets along with the banking and financing markets would simply not be able to fund these deals.

Stable Income – It is very important to have the stability of income when you are a real estate investor. This program is designed through a section 8 Voucher Program that is funded and dispersed through the City of Chicago’s low housing Program, ensuring that payments are always received between  the 1st and 5th of each month, so there is no more tracking down tenant’s rental payments, therefore protecting your monthly income.  How many horror stories have we all heard about tenants  that just do not pay their rent, and the eviction process can take months?

Solution The Private Portfolio Builder Program focuses  on subsidizing the assets that are purchased by members. We utilize local management companies that have experience  in placing long term section 8 renters  and other  Chicago Subsidized Housing Programs into units. This ensures  that each investment performs monthly, and reduces the turnover rate due to Lower Income Tenants move less frequently.  By providing an experienced Maintenance Staff, and an Experienced Management Company, Program Participants benefit by reducing costs, while increasing the monthly rental by 20% more than market rates, and producing a steady subsidized cash flow. Subsidized Tenants are a great way to build passive cash flows. When a Landlord provides safe,  clean,  updated  living accommodations  in the City of Chicago, you can count on a high occupancy status from just the referrals alone.

Section 8 pays each month during the duration of the contract,  and if you work with the tenant, and the case worker, it becomes a long‐term relationship. It’s just a matter of providing Safe, Clean, Updated housing, and then communicating with your customer (tenant) monthly to ensure everything is going OK. Subsidized Programs  in the City of Chicago have large waiting lists of Tenants to place into rental properties. There is no shortage of demand in this sector.

Business Modeling Very few small investors professionally model their business, and ensure that their small business is meeting the needs of the community it is located in. How many investors plan their business from start to exit? The better question is, how many investors align themselves with current market trends? What about having the capital relationships to take you from start-up to growth stage?

Solution Years of experience  in Chicago coupled with professional relationships that understand the Business Model, means the Private Portfolio Builder Program is not only profitable, but is a great example of how to model your business. This program is not only specific to Chicago, but can be done in other markets of the Country.

As we expand again, we shall offer more markets,  but Chicago offers a great off market wholesale environment versus a waiting list of subsidized tenants waiting to lease a unit. Since the purchase prices have not recovered as much steam as other markets in the US, but rental markets have risen.

Private Portfolio Builder Program Key Points:

1.)  Off Market Inventory only.

2.)  2, 3, and 4 unit residential properties only.

3.)  Preference  is given to 2, 3, and 4 or 5 bed room unit mixes.

4.)  Preference  is given to Subsidized Tenants Vs. Cash Tenants.

5.)  Preference  is given to Brick Buildings Vs. Wood / Sided Buildings.

6.)  2nd Lender provides 20% Down Payment plus up to 15% of the Purchase Price ($20,000) on a

Community Improvement Stability 2nd Mortgage.

7.)  Properties  will present  a minimum of a $500 positive cash flow per month up to $1350 per month after all expenses and debts are paid. (Including the 2nd Mortgage)

8.)  Professional Managed, Professionally Maintained. All third‐party companies connected with the program are duly licensed in their respective fields of service.

Qualifications for Participation into the Program:

  1. 2 Years Tax Returns showing sufficient income to have a Debt to Income Ratio of 47% of less.
  2. 2 Current Paystubs.
  3. 3 Months Personal Asset Statements showing 20% + 6 Months Reserves all debt.
  4. A FICO Score  that  is above  660, with no score being lower than 640. NO FC, BK, 1 x 60. Please provide a credit report that you pull for qualification purposes.
  5. State ID or Driver’s License.
  6. Completed 1003 w/ REO section.

Disclaimer: This is not an offer to sell securities.  This is not an offer to lend.

Contact me & I’ll introduce you!

Greg@FixandFlippers.com

 

 

 

Looking for Referral Partners for Private Fundings


Referral Partners for Investor Fix and Flip & Rental Home Loans

JOIN THE EXCITING & GROWING INDUSTRY OF MAKING INVESTMENT LOANS TO FLIPPERS AND LANDLORDS!

California based company seeking Licensed and Unlicensed real estate professionals who want to earn extra income.

This can be Full-time or Part-time

You do not need experience, you can be trained.

You will be provided with the marketing materials needed to promote the loan products that our company offers.

  • This is not an offer for W2 employment, you will be an independent contractor and will be paid on a commission basis for every loan you refer and we close. You will be 1099.
  • It doesn’t matter where you live, you can work from home or remotely.
  • We can make loans in all States!
  • Unsecured Financing for good credit borrowers (680+ fico)
  • EMD Funding
  • Transactional Funding
  • Commercial Loans

We offer Fix and Flip loans &  Rental home loans designed for small operators and mid-size rehab companies.

  • We make loans up to $10M.
  • We can close loans in 7 days, sometimes less!
  • You choose how much involvement you want, either make a simple referral or deliver complete packages.
  • You will be paid shortly after closing, no long waiting period for compensation.

Brokers Welcome. We can help convert your turn-downs.

Greg@FixandFlippers.com

Sell Your Real Estate-Backed Note Today!


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If you have a privately owned, real estate backed note (non-performing or performing) that you want to SELL, please contact me ASAP!

Working with investors making offers on notes I am direct to, and they are looking for more! Residential, Commercial, single note for $150MM Portfolio, Nationwide, They will make an offer on any note with no obligation or expectation! Family business operating for 25 years..

Both Fixed Rates or ARMs such as performing Residential loans and SBA 7a loans, FSA’s, HCEM’s and USDA’s). They accept seasoned loans.


They still look for Residential and Commercial Sub-Prime loans and various credit quality loans that are performing, non-performing or sub-performing and REO (Real Estate Owned) or Deed in Lieu properties NATIONWIDE.


SFR, Condominiums, Duplexes, Multi Family, Strip Centers, Offices, Warehouses, Churches and more are desired.


They still look for Agency and Non-Agency quality loans either servicing released or servicing retained..


Additionally, they also have an interest in REO Class A/B industrial warehouses in key markets in the US and Mexico…

Contact me if you are selling your note(s)

Greg@FixandFlippers.com / 858-386-0949

Loans for Investors Nationwide


Loans for Investors

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Examples of Deals We Can Get Funded!

  • 70+unit multifamily Apt Complex in Portland, OR looking for 65% LTV refi-cashout
  • Borrower looking for a 24 month personal bank statement program(self-employed)
  • Foreign National with no American credit buying a $1.2million condo in San Diego area
  • Borrower looking to purchase a $450,000 triplex near Buffalo, NY with 66% LTV
  • Broker has a VIP client who bought a property 13 months ago & wants to refinance the hard money note.
  • Borrower has a quick short-term (3-6 month) $450,000 purchase in Oklahoma City area
  • Broker has a couple wanting to buy a brand new $580,000 home in metro-Dallas with 20% down
  • Borrower who has 16 properties in Myrtle Beach that wants to refi-cashout $2,000,000 for more
  • Broker has a client who wants to simultaneously refi-cashout $240,000 to buy another rental property
  • Foreign National who has American credit who wants to buy a $1,300,000 condo in New York City.
  • Family trust of 3 family members who bought a $510,000 rental property in Chula Vista, CA.
  • Borrower who wanted to buy a $3,000,000 trophy home in Aspen, CO with 35% down payment
  • VIP client who has 1031 exchange $950,000 who wants to buy four investment properties in metro-Seattle
  • Broker who has a struggling client in a foreclosure that wants to refinance at 53% LTV.
  • Borrower who had a bankruptcy 2 years ago, a foreclosure currently & still wants to buy a property
  • Client who has a 468 FICO score who is looking to refinance a property into his own name(divorce)

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I’d like to Trade Professional Referrals with: 

  • Bankruptcy attorney
  • Foreclosure specialists
  • Tax attorneys
  • CPA’s
  • Insurance Agents
  • Financial Advisors
  • Medical Doctors
  • Surgeons
  • Real Estate attorneys
  • 1031 Exchange firms

Call Me Today! 858-386-0949 Submit Your Scenario: Greg@FixandFlippers.com

 

No Doc & Low Doc Loans for Investors Nationwide


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No Doc Loans

Asset based lending in: AL, CT, FL, GA*, IL*, IN, LA, MD, MI*, MO, MS, NC, NJ, NY, OH*, OK, PA, SC,
TN, TX, VA*, WI

** AR, CO, IA, KY, ME, MT, NH, NM, UT, WA, WV, WY**
OH* Not in Cuyahoga County.
MI* Not in Detroit, Flint.
IL* Not in Cook County.
GA* VA* Closing in Entity Only- LLC/Partnership/Corporation/Non-Profit
** MUST BE IN MSA- lookup here http://www.zip-info.com/cgi-local/zipsrch.exe

3 Options

Max Loan – $1M

1.) FLIP ONLY 12-month Interest Only – 12%-13% 4-5 pts

Max LTV – Experienced – 75% purchase, 70% refi, Inexperienced – 75% purchase, 65% refi

Closing Fee – $1,000

Min Loan for Purchase – $38k, $46k for Refi

No Pre-Pay Penalty

2.) Flip or Rent 36 months, 10-year amortization – 13% – 14% 5-6 pts

Max LTV – Experienced – 75% purchase, 70% refi, Inexperienced – 75% purchase, 65% refi

Closing Fee – $1,000

Min Loan for Purchase – $34K, $46k for Refi

No Pre-Pay Penalty

3.) Rent Only 36 months, 30-year amortization – 12%-13% 5-6 pts

Max LTV – Experienced – 75% purchase, 70% refi, Inexperienced – 75% purchase, 65% refi

Closing Fee – $1,000

Min Loan $80k (based on appraisal) for purchase or refinance

There is a Pre-Pay Penalty

630 fico is minimum

Low Doc Loan

Purchase, Refinance, Rate & Term, Cash-out

Min loan amount — $45k

Min Property value – $60k

Prepayment Penalty – 5% stepping down 1% each year

Eligible Borrowers: US Citizens, Permanent Resident Aliens

Borrower must have liquid 1 month reserves for leased properties, 3 months of liquid reserves if property is not currently leased. Proof of the down-payment is required.

Asset Verification: most recent tax return, retirement account value reduced by 50%, stock, bond and mutual funds value reduce by 30%.

Appraisal Requirements: All loans require appraisal, and will cost between $385-$425

Loan Type:

7/1 LIBOR ARM

30-Year Term

Index: 12-month LIBOR

Credit Requirements: Min Fico of 630

We need a copy of a tri-merge or will need to pull one. Need minimum 24 months of credit history, No bankruptcies past 4 years, No foreclosures, Short Sales, or Deed in Lieu in past 3 years

Must have minimum 3 active trade lines per borrower in last 24 months

Borrower will need to escrow 12 months for hazard insurance, and 2-3 months for impounds, 3 months for taxes.

Rates – Between 7.5% – 9.1%

Title can be in LLC name

Closing in under 17 days

Contact me Via email – Greg@FixandFlippers.com

Unique loans for Owner Occupied & Investor Borrowers in Southern Cal


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I’m working with a new lender who is willing to make loans for a very limited time. These are Southern California Loans:

 Here are some highlights below:

  • 60% DTI Owner Occ/ NO DTI on Investment Prop.
  • Investment/Primary properties to 75% LTV
  • Foreign National to 70% LTV
  • Qualify with Interest Only on Non Prime up to 75%LTV
  • 5/1ARM, 7/1 ARM, 10/1 ARM, INTEREST ONLY
  • Cross Collateralization- Asset Depletion -NO PREPAY
  • LOW FICO SCORES ARE – OK –  
  • Credit events accepted (FC,SS,BK)
  • ALL RATES –- 5.49% – 7.99% I/O
  • ALL Products – 30yr. Amortizing  5/1, 7/1, 10/1 ARMS

   NICHE’S

  • BANK STATEMENTSLLC. Corp. BUSINESS or PERSONAL
  • $500,000 MIN to $10,000,000 MAX
  • LOW FICO’S on JUMBO/SUPER JUMBO LOANS
  • NO LIMIT ON CASH-OUT amount
  • NO SEASONING on the right deals
  • NO SEASONING on CREDIT EVENTS, BK, FC & Short Sale
  • Less than 2 years SELF EMPLOYED & NEW SELF EMPLOYED
  • In House/Manual UW for ALL Loans
  • Residential Loans Only, SFR, condos, 1-4 units
  • Products: 70% – 75% LTV -up to –10 Million-
  • 5.49% to 7.49% –  5 year Interest Only Loans
  • No Pre Payment Penalties

TOP REASONS & YOUR ADVANTAGE

  • Timing (Fast Closing)
  • Human “Make Sense” underwriting 
  • High DTI (I’ve done deals at 140 DTI, with traditional calculations*)
  • Lend to a corporation
  • Hard Money type lending guidelines with Alt A rates. 
  • Interest Only option available

Blumenthal Residence, Sunset Plaza

  Their MISSION

  • Serve a misunderstood Jumbo & Super Jumbo market
  • Fund “Make Sense” loans when Traditional channels will not.
  • Understand & Listen to our clients story with an unbiased Human Approach.
  • MAKE EXCEPTIONS based on COMPENSATING FACTORS AND ACTUALLY FUND DEALS BECAUSE THEY MAKE SENSE