Amador Castellanos
Chief Executive Officer
Always Closing Efficiently
Ideal for: First-time homebuyers, homeowners looking to refinance, and those seeking to upgrade or downsize.
Fixed-Rate Mortgages: Consistent monthly payments with interest rates locked in for the loan's duration.
Adjustable-Rate Mortgages (ARMs): Lower initial rates that adjust over time, suitable for short-term ownership plans.
Government-Backed Loans: Options like FHA, VA, and USDA loans designed for eligible borrowers with specific needs.
Refinancing Solutions: Opportunities to lower monthly payments, reduce interest rates, or tap into home equity.
Pre-Approval Assistance: Streamlined processes to help you understand your budget and strengthen your purchase offers.
Ideal for: Real estate investors, property developers, and individuals aiming to renovate or construct homes.
Fix & Flip Loans
Short-Term Financing: Loan terms typically range from 12 to 18 months, aligning with renovation timelines.
High Leverage: Funding up to 85% of the property's purchase price and up to 100% of renovation costs.
Quick Approval: Designed for speed, enabling investors to act swiftly in competitive markets.
Credit Flexibility: Minimum credit scores starting around 620, accommodating a range of investors.
New Construction Loans
Custom Financing: Tailored loans for building new homes, with funds disbursed in stages aligned with construction phases.
Down Payment Requirements: Typically, a 20% down payment is needed, though this can vary by lender.
Builder Approval: Lenders often require verification of the builder's credentials and experience.
Credit and Income Standards: Generally, a minimum credit score of 620 and a stable income are necessary.
Ideal for duplexes, triplexes, fourplexes, and apartment buildings (5+ units).
Multi-Family Financing
Loan to Value: Up to 80% LTV for qualified borrowers
Loan Types: Conventional, FHA, and portfolio loan options available
Specialty Financing: DSCR (Debt Service Coverage Ratio) underwriting available — no personal income required
Terms: Fixed and adjustable rate
Financing: Both stabilized and value-add properties
Factors: Non-recourse options for experienced investors
Ideal for rental homes, short-term rentals (Airbnb), and long-term portfolio growth.
Investment Property Loans
Units: 1–4 unit residential properties eligible
Specialty Financing: DSCR-based approvals (property income vs. expenses)
Income: No tax returns or W-2s required in many cases
Financing: Short-term and long-term financing available
Vesting: LLC or personal name vesting permitted
Cost: Interest-only options to maximize cash flow
Ideal for ground-up residential, commercial, or mixed-use development.
Construction Loans
Type: Loans for single-family, multi-family, or custom homes
Risk: Up to 90% LTC (Loan-to-Cost) and 75% ARV (After Repair Value)
Distribution: Funds released in phases tied to construction milestones
Cost: Interest-only during construction phase
Phases: One-time close or construction-to-perm options
Factors: Builder approval and project budget required
For warehouses, manufacturing facilities, storage, retail, office, or mixed-use properties.
Industrial & Commercial Financing
Type: SBA 7(a), SBA 504, and conventional options
Risk: Up to 90% financing with SBA programs
Terms: Fixed or floating rates available
Amount: Loans from $500K to $20M+
Occupancy: Owner-user and investor financing available
Alternative: Bridge and hard money options for acquisitions or repositioning