Investment Property Loans for Investors and Small Business Owners.

Mortgage Solutions Designed for Hard-to-Qualify Borrowers.

Flexible Investment Property Loans.

Regardless if you are a seasoned real estate investor, a savvy house-flipper or an entrepreneur in need of your first real estate loan, my lender partner can help you finance your vision.  

They offer asset-based financing that rivals hard money. And because time is money, their loan processing is fast and streamlined so you’re on your way to realizing your vision quickly. These loans are perfect for short-term, long-term or fix-and-flip transactions.

Their flexible investment property and small commercial loans are available for: 

  • Investor
  • 1-4 Multi-Family
  • Mixed-Use
  • Retail Office
  • Automotive
  • Warehouse/Self-Storage

30-year Investor Loans with No Balloon.

Consider locking in the historically low rates with no balloon payments.

The loan is designed for investors seeking a simple financing solution for purchase or refinances, with the flexibility to remain in the loan for up to 30 years.

This loan eliminates the balloon payment associated with private money loans, along with the rate hikes of adjustable-rate mortgages.

Because the FlexPerm loan is asset-based, it’s perfect for independent, buy-and-hold real estate investors and small business owners who are tough to qualify.  

Key Features:

  • Great for qualifying W-2, self-employed investors and small business owners.
  • Based on the property value and its revenue-generating potential.
  • Best alternative to hard money loans.
  • Available as a 3-year-fixed or 30-year-fixed loan, each amortized over 30 years.

Loans for Fix-and-Flip Investors.

Fast and flexible fix-and-flip loans for real estate investors

Renovations can be hard work. Arranging the right financing solution should be simple and quick. 

In as little as nine days, you can obtain up to $2 million in funding for your investment acquisition.

Their ARV loan is designed for independent real estate investors who are often tough to qualify. Based on the property’s “as repaired value” (ARV), it’s the best short-term, interest-only solution for acquiring and improving property value for fix-and-flip investors. 

Key Features

• Allows borrowers to finance improvements.

• Great for borrowers who need a quick close.

• An interest-only 1-year term provides lower monthly payments.

• A higher LTV than hard money lenders.

• Available for Investor 1-4 properties (SFR, condo and 2-4 units).

Even if you have a bankruptcy, you can still get financed after 24 months after the discharge date.

Quick and Easy Qualification for Investors and Small Business Owners With Credit Issues

Investing in residential and commercial properties is a long-term commitment so why should your options be limited? If you’re looking for an easy and quick qualification for your investment property loan, and you have credit issues and high equity, I can help.  

Whether it’s a purchase or refinance, this loan offers easy credit requirements for your residential investment and small commercial properties. 

Key Features:

• Great for borrowers with a recent bankruptcy or notice of default.

• No seasoning of ownership required.

• Derogatory mortgage history is OK.

• Available as a 3-year-fixed or 30-year-fixed loan, each amortized over 30 years.

Contact me today.


Hard Money and Private Funds Available for Investors

Hard Money & Private Funds Available for Investors
Loans from $75,000
Not many lenders arrange loans as small as $50,000. We will!
Fix and Flip
We lend up to 90% of the purchase price and 100% of the renovation budget. In addition, we don’t charge interest payments on the rehab dollars until it is drawn.
Competitive rates and fees 
You came to the right place if you are looking for a private or institutional hard money!
Bail Out Loans
An equity-based program. If we can keep it under 65% LTV, we can bail
you out in 7-10 days. (Only CA and TX)
Commercial, Land, Agricultural and Specialty Properties
Commercial, apartments, land, Wearhouse, partially completed construction projects, industrial, automotive and many other types of properties are those we lend on.
2nd and 3rd Mortgages
We arrange second and third mortgages every month.  (Only CA, TX)
Construction Completion/Development Project
Got construction project? We have multiple ways to structure your file, so you can complete your project and get it sold!
Business/Merchant Funding
Do you need working capital/payroll/expansion for your business? We
can fund in 5-7 days. To qualify, all we require is the business to be
established for at least 6 months and provide 6 months business and
credit card-merchant processing statements. 
Long Term Rental Loan Programs                                                                      We offer 5,7,10 and 30-year fixed term, starting at 5.875% rate and can
leverage up to 85% LTV

Nationwide Private Bridge Loans Available

  • Quick Close options 1-2 weeks possible.
  • Funds for Improvements – Cashout for Investments OK!
  • Business Purpose use for Funds OK.
  • Bank Turndowns are OK
  • Bankruptcy is OK
  • No Docs
  • 12-24 months No-Prepay
  • Owner Occupied is OK – up to 5 yrs Fixed
  • Long-term hold loans for good credit & low rates (4%-7%)
  • Luxury Loans to $15,000,000
  • Interest reserves & Closing costs can be included in the loan if you have the equity for Fix and Flip only.
  • Refinance and Purchase loans Available
  • No Credit, No Doc, No Verified income for Foreign Nationals, living abroad is OK
  • No Tax Returns, Non-Warrantable Condo’s are OK
  • 30 yr fixed options are available
  • Stated Loans Available
  • No Source / Seasoning needed for loan approval
  • Cross Collateral structure funding with existing properties in portfolio
  • Current Renovation in Progress is OK.
  • Construction to Permanent is OK
  • Multi-Family, Commercial loans OK
  • Nationwide Lending, Case-by-Case Decisions based on complete scenario!

Leave Your Loan Request Inquiry Below Today!

Non-QM Niche Loan Programs

Owner-Occupied Non-QM

  • Up to 95% LTV
  • 1 month Bank Statement Program
  • 12 or 24 month Bank Statement Program
  • VOE Only Program
  • 1099 Only Program
  • P&L Only Program
  • Asset Depletion Program
  • Credit Scores Down to 500
  • Foreclosure Bailout

Non-Owner-Occupied Non-QM

  • No Income Verification up to 80%
  • No Income Verification for cash out up to 75%
  • NO DSCR Required
  • Ficos down to 600
  • 5+ Unit Apartment Bldgs.
  • Mixed Use Properties
  • Loans held in LLC and Corps.

Inquire Below Today!

4 Eye-Opening Ways to Get Your ARV Loan Approved Today!


1.) Find The Right Project!

Because Hard Money loans are collateralized by the subject property itself, it’s very important that you choose a project that matches with your experience and financial capabilities.
Lenders will considered the property and also the location. They use the info to determine the value, both current and future.

2.) Have A Great Exit Strategy

Since hard money loans are short term solutions, (6-24 mos) they require that the borrower have a good exit: possibly rehabbing the property and re-selling it on the market for a profit to repay the loan, or plan to refinance the loan the pay it off..

If you can’t present a solid exit, don’t bother applying for a loan. You’re wasting the lenders time, and your own.


3.) Have Your Documents Ready

Credit report– It’s better to know your credit profile ahead of time, know that judgements, liens, unpaid recent mortgage lates or late bills that are recent are red flags.

LLCs or Corps- Have the complete Corp docs available for review.

Rehab bid – Contact a reputable contractor, ask someone for a referral. Then have them prepare a bid in writing. I’d try to have two or three in a perfect world. This has to make sense, it has to be realistic in terms of amount of rehab needed to achieve equity..
For example, if you are attempting to flip a multi-million dollar property, but your bid is for $45k…and you are projecting making $800k+ in equity…This raises eyebrows!

On a experiment, one time I had a potential flip under contract and was getting my rehab bids, I had 3 very different bids from 3 very different contractors!

That will happen, just submit all 3 bids to your lender.wpid-ergy_architect.jpg

Appraisal – This may not be popular, however paying for a good ARV appraisal ahead of time, may save you weeks of waiting only to be disappointed that the value won’t be there. If you prefer not to do this, you can play your luck with a CMA from your trusted real estate agent.


Biography/History of Flips – Trust Deed Investors are regular people like you and I. They need tho “know” their borrowers as best as possible before deciding to loan thousands of their hard earned money into an unknown person or entity. Sure they get a deed of trust, but don’t mistake, they don’t want to spend all day foreclosing on people..They make money passively, so if you want their money, get ready to complete for it! Prepare a bio that highlights your history of Flips, including acquisition cost, rehab and final selling price… This is where you shine! ( or maybe you realize that you are not a good candidate for a loan)
Maybe you should find a partner with a better track record to team with one the first few deals.

Asset Documentation – Lenders will want to see IRAs, Recent Personal and/or Business Bank Statements.. (please don’t have negative in your account, this will not work in your favor) Recent valid ID with SS card or 1099 with your SS on it.


RPA/ Purchase Contract – There is no point coming to lender for a pre-approval. Without a live deal, defined as: with a contract being negotiated or signed and executed. Hard Money lenders issue approvals based on the asset and qualifications of the borrowers. Without a deal, they can’t do anything. Make sure that you indicate that you will be using private funding or hard money. Don’t say cash, you’ll have to get an addendum to change that later, and can be a pain.


4.) Perform on Your End

If you are trying to get a lender to take you seriously, you have to be interested and proactive. They prefer for you to be quick about providing info when asked and supplying documentation as requested. And after the lender has collected a complete package, he will offer you loan terms, they expect you to take them! Shopping loans will get you a bad reputation quick, no one wants to be shopped! The lender circle is small, if you burn your name and reputation, even I can’t help you… It’s a sad thing when you meet a client who is in this position…maybe start doing business in a new market or country…

After you have collected this package, now you’re ready to get an ARV Fix and Flip loan!

Since you are prepared I’m waiting for your call or email! | 858.386.0949

Seeking Professional Flippers for ARV Loans

House: before and after

As a professional in the real estate rehab/resale industry, we suffer from similar issues. Mostly having to do with time & money!

One of the best problems to have is finding too many deals but not enough capital, but still a problem.


We know  you are feeding your family on this income and this is your livelihood, so stability is important!


Let me help you find the capital partner (s) of your dreams who would be dependable and reliable when you need the funds.

Most private lenders I know use ARV or after-repair-value as their basis for making their loans, these are the largest loans that offer the most leverage.


  • Programs include 80% of purchase, 80% of the rehab (which is held in control) payments can be included in your loan no JV split.

  • Or 100% Financing (70%) of ARV, covers your acquisition, rehab, closing costs, carry costs, in exchange for a JV profit split of 50/50

  • Or 100% Financing (70%) of ARV, covers your acquisition, you cover rehab (held in control) and closing costs (inc 3-4 pts) no JV profit split .

  • These lenders will make loans in AZ, CA,OR,WA,NV and other states if the deals make sense.


These lenders will offer JV loans on Commercial & Residential properties (Office, Multi-Family, Retail, Strip Malls) or 5+ SFR portfolios (refi at lower rates)

This lender will also make business loans (with or without real estate attached) she just wants to see your Executive summary.