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!

Hot New Investor Loans to Watch for in 2018!

Happy New Year!

This year one of my goals is to become an even larger resource for the Fix and Flip & Investor Community. After 16 years of service in this industry, we connect investors to lenders and private funding programs nationwide.

After reviewing these new loan offers and working with dozens of lenders, I compiled this list of lenders to refer to interested parties.

I hope you enjoy!


Trust Deed and Equity Joint Venture Partnerships



A Private Equity fund that I work with offers active and entrepreneurial investors direct access to the best Real Estate-Owned (REO), Private Equity and Distressed investments in the marketplace – including Approved Short Sales, New Construction, Trust Deed Investments, Private Lending Opportunities, Private Placements and Sub-Performing Loan Portfolios.

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REO Advisor Direct Offers:

  • The combined strength of Investment Advisory, Asset Management and REO Real Estate expertise
  • A transparent, professionally managed and profitable portfolio building solution
  • An ongoing REO investment advisory relationship, along with specific Loan Sale Advisory, Real Estate-Owned (REO) Property, Distressed Mortgage Portfolio Assets, and Real Estate Investment recommendations.
  • Fully diversified investment strategies delivered via Active or Passive investment vehicles
  • Proactive capital preservation, risk management and transaction due diligence
  • A Choice of Four Proven, Profitable and Diversified Strategies
  • The ability to invest directly in distressed real estate assets and mortgage portfolio assets with confidence
  • Equity Joint Venture Partnerships are only available to registered clients of the Private Equity fund and its partner under the REO Advisor Direct™ program, and   is restricted  to  experienced  principals  only.


Delivering straightforward, powerful solutions for investing in today’s distressed real estate marketplace.

Their business model combines world-class real estate investment expertise and REO asset management with exceptional client service, in-depth-consultation, and an extensive track record of successfully closing real estate investment transactions.

The Private Equity fund and its partners approach delivers direct access to property owner, lenders, loan servicers, equity stakeholders, and the ability to act quickly to CLOSE investment transactions. The result is a proven and verifiable track record of successful investments across all REO asset classes. Since inception, the Private Equity fund has excelled at sourcing, acquiring, managing and disposing of distressed REO real estate and mortgage portfolio assets on behalf of its’ own corporate portfolio, investors, lenders, private equity funds and affiliated partner firms.

They deliver applied expertise across a broad range of REO Asset Classes nationwide.

All investments in the REO Advisor Direct platform are secured via titled real property, trust deeds, beneficial ownership of real property assets, equity participation and/or entity membership interests.

They focus on California investments for this program, but if you will invest in other States, there are additional opportunities.



DISCLAIMER: We are not  United States Securities Dealers or Brokers. We are Consultants and makes no warranties or representations as to the Buyer, Seller or Transaction. All due diligence is the responsibility of the Buyer and Seller. This message should never to be considered a solicitation for any purpose in any form or content. Upon receipt of this message, the reader hereby acknowledges this Disclaimer.


Trust Deed Investors Earn Great Returns on ARV Fix and Flip Investments

Trust Deed Investors Needed for Luxury ARV Flip Loans


As the market begins to tighten up for the “bread-and-butter” properties under $1M, investors will begin to seek larger luxury opportunities specifically in SoCal areas in Los Angeles, San Diego and Orange Counties. The demand for ARV flip capital is already starting to increase!

We offer a niche 100% ARV financing program that offers funds for acquisition+rehab+carry costs+closing costs in exchange for 50/50 JV split of the profits at end.3458190944184

For the trust deed investor, it offers an opportunity to safely invest funds to avoid capital gains taxes, and enjoy a 1st trust deed to secure their investment. the rehab funds are held in controlled account and will be protected in-case of default. Example: Purchase $1.5M +$250K rehab = $2.5M -ARV

We offer loans for Non-Owner Occupied SFR’s and small Mixed Use, Commercial Properties only in CA.

The projects are usually Fix and Flip, but some are ground up shovel-ready construction projects.

The investor will earn points upfront, plus the interest payment (is included in the loan) then a substantial split when the property sells usually within 6 months.  If anything unforeseen happens, the investor is protected, they will receive a deed-in-lieu and access to the controlled rehab budget, and our project manager will finish the rehab, then complete the sell and provide the option to roll that profit into another great opportunity. 3503739962881

We also see opportunities in San Francisco/San Jose area as well, these have similar scenario’s as above. Investors can choose to fund loans in NorCal as well.


We ask that investors invest minimum of $250K. We can handle up to $40M. Typical rates are 11-13%.

Due to high demand of this program, we can roll a principal investment multiple times per year in similar fashion. We pride ourselves on never having a foreclosure due to good underwriting and market knowledge, also the hard money broker has over 10 yrs of experience completing over $100M last year, these reasons are excellent factors that set us apart from the rest.

We also cater to the “bread-and-butter” investors as well,  and loans from $200K are also commonly needed.


If you are looking for a hard money broker to form a relationship with during this real estate cycle, look no further.

Let me make an introduction for you.


The Softer Side of Hard Money 100% Financing for CA Fix and Flips & Luxury Loans


This is a hard money broker I’ve known for a long time, he’s a good friend and my preferred lender. He loans on bread & butter deals as well as large luxury projects throughout California only. I’d love to introduce you to him if it sounds like you have a viable loan scenario.

Program #1


3-4 points

Depending upon the risk, CA only

Covers all costs including: carry costs & rehab/construction budget.

Only thing out of pocket is EMD and inspection fees.

100% financing of the acquisition – 1st & 2nd Combo with 50/50 Split with JV lender


Program #2

ARV Program – 100% of the purchase price

You cover all closing costs and rehab costs, the rehab budget is fund controlled.


Contact me direct:


100% Fix and Flip Financing Private Loan Option for California deals


New Private Loan Option

True 100% financing!

San Diego/Riverside/LA/Orange/San Francisco/San Jose County

12% + 4 pts. + 50/50 JV Split includes Acquisition/Rehab/Any Costs.

No money down! It must be a good deal. Below 70% of ARV

ex. ARV=$450K purchase $300K 

Call me: 858.386.0949

#fixandflippers #privateloan #hardmoney #rehabloans

No Doc loans for Investment Properties in 34 States

Visio Matrix

No income verification

No debt-to-income calculations

All they need is an appraisal, clear title and around 2 weeks to close a loan.

They loan in these States. AL, AR, CO, CT, FL, GA*, IA, IL, IN, KY, LA, MD, ME, MI, MO, MS, MT, NC, NH, NJ, NM, NY, OH, OK, PA, SC, TN, TX, UT, VA*, WA, WI, WV, WY,