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Most deals don’t break on rate. They break on structure.

WE structure financing for experienced real estate operators, starting with what won’t work instead of which lender to call.

Veteran-owned · Fix and flip from $250K · Construction, DSCR, and SBA from $500K
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Where Deals Actually Break

The loan offer looked good. Then the appraisal came in $60K low. Or the lender’s draw schedule didn’t match the build. Or the plan only worked if nothing ran late. [Confirm these happened on your deals, or swap in ones that did.]

Some of this you can’t stop. No one can. But you can structure the financing so the deal still works when it happens. That’s my job.

Before we talk about lenders, I ask three questions:

  • What won’t work?
  • What won’t you do?
  • How do you need to get out of this deal?

Then I structure the financing around those answers, so the deal hits your targets without putting you at financial risk.

Our Recent Closings

What I structure

Fix and flip, $250K and up. Bigger rehabs, where the draw schedule matters more than the rate. [Link: /fix-flip-loans/]

Ground-up construction, $500K and up. Builds where the takeout gets tested before the first draw. [Link: /ground-up-construction-loans/]

DSCR, $500K and up. Single-family, multifamily, and commercial, sized on what the property earns. [Link: /dscr-loans/]

SBA, $500K and up. Owner-occupied commercial property and business acquisitions, where the SBA rules shape the structure as much as the numbers do. [Link: /sba/]

Who this is for

  • This works best for people who already know their business:
  • Real estate operators who have done and exited deals like the one in front of them, and want the financing structured around the plan, not just priced.
  • Business owners acquiring an existing business, buying the building they operate from, or buying one to move or expand into.
  • Churches and rural businesses taking on financing that rewards preparation more than speed.

What they have in common: the deal is complex enough that a rate sheet can’t answer the real question.

Not a fit: first real estate deals, SBA for investment property you won’t occupy, loans under those minimums, or deals where the only question is the lowest rate.

What I control and what I don’t

I’m not the lender. I can’t promise approval, a rate, or a closing date. Anyone who does on the first call is guessing. I control how the financing is structured, who sees it, and how it’s presented. That usually decides the outcome.

How a Deal Moves

  • Send the deal. The numbers, the exit, and your track record, on one short form.
  • I review it myself. If it fits, we talk. If not, I’ll tell you.
  • We set the structure: your limits first, then the capital that fits.
  • Capital follows. Your deal goes to sources that fit it, not every lender on a list. You’ll see why each source fits your deal, or doesn’t.
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