Real Estate Investor Financing
Real Estate Financing for People Who Think in Terms of Deals.
Purchase. Refinance. Cash Out. Commercial. Flexible Documentation.
28 years of mortgage lending experience helping real estate investors and commercial property owners structure financing around the property, the transaction and the investment strategy.
Have a Deal? Let's Talk.
Investment Real Estate Financing
Built for Real Estate Investors.
Investment real estate operates by different rules. The numbers matter more than the narrative. The property's performance matters as much as your income. The deal structure matters as much as the rate. Mike understands that — because he's been working with real estate investors for over two decades.
Whether you're acquiring your first rental property or your fiftieth, refinancing a commercial building, or pulling equity out of a portfolio property, Mike structures financing around the investment — not around a one-size-fits-all residential mortgage model.
Financing Programs
Loan Solutions
Purchase
Financing for investment property acquisitions — single-family rentals, multifamily, and commercial. Structure the deal around the property and the numbers.
Learn MoreRefinance
Rate-and-term refinancing for investment properties. Improve your debt structure, lower your payment, or reposition your portfolio.
Learn MoreCash Out
Access equity in your investment properties. Fund acquisitions, improvements, or portfolio expansion without selling.
Learn MoreAlternative Documentation
Bank statement programs, DSCR loans, asset-based lending. Financing solutions for investors whose income doesn't fit a W-2 model.
Learn MoreCommercial
Financing for commercial real estate — office, retail, industrial, mixed-use, and multifamily. Structured around the property's performance.
Learn MoreInvestor Financing
Portfolio loans, blanket mortgages, and investor-specific programs. Built for investors who think beyond a single property.
Learn MoreExperience
28 Years of Experience. Built Around Real Estate.
Experience in mortgage lending isn't just about knowing the guidelines. It's about knowing when the guidelines don't apply — and what to do instead. It's about understanding how a deal is structured, what a lender needs to see, and how to position a transaction for approval.
Over 28 years, Mike has worked through every market cycle, every rate environment, and every type of investment property transaction. That experience is what he brings to every deal.
Every Deal is Different.
A single-family rental in a secondary market is not the same as a 12-unit multifamily in a major metro. A cash-out refinance on a stabilized property is not the same as acquisition financing on a value-add opportunity. A W-2 borrower is not the same as a self-employed investor with complex income.
Mike doesn't apply a template. He looks at the property, the transaction, and the borrower — and structures financing that fits.
Why Work With Us
Why Investors Choose Experience
Understands Investment Property
Investment real estate has different underwriting considerations than owner-occupied residential. Mike knows the difference — and knows how to work with it.
Works With Complex Income
Self-employed borrowers, investors with multiple properties, business owners — Mike has programs and experience to work with income that doesn't fit a standard W-2 model.
Knows Commercial Real Estate
Commercial financing requires a different approach. Mike understands how commercial properties are valued, how lenders evaluate them, and how to structure transactions that close.
Has Seen Every Market
28 years means Mike has worked through rising rate environments, falling rate environments, tight credit markets, and everything in between. He knows how to find financing when conditions are difficult.
Focuses on the Deal
Mike's job is to understand your transaction and find the financing that makes it work. Not to fit you into a product. Not to sell you something you don't need.
When the Deal is Right, Speed Matters.
In competitive real estate markets, financing delays can cost you the deal. Mike moves quickly — because he understands the transaction from the start, knows what documentation is needed, and doesn't waste time on back-and-forth that slows the process down.
Fast pre-approvals. Clear communication. A process built around getting to closing.
The Process
From Property to Closing.
Discuss the Deal
Tell Mike about the property, the transaction, and your investment strategy. He'll identify the right financing approach from the start.
Structure the Financing
Mike reviews the property, the numbers, and your situation — and structures a loan that fits the deal.
Process and Underwrite
Mike manages the process — documentation, appraisal, underwriting — and keeps you informed at every step.
Close
Mike gets to closing. On time. With the terms he committed to.
Find Your Path
What Are You Trying to Accomplish?
Investor Scenarios
Investor Scenarios
The Acquisition
You've identified a rental property — single-family, small multifamily, or a value-add opportunity. You need financing that moves as fast as the deal requires and doesn't require you to jump through residential hoops.
Let's discuss the deal.The Refinance
You have an investment property with a rate that no longer makes sense, or a loan structure that's limiting your options. You want to refinance — without the process treating your investment property like a primary residence.
Let's discuss the deal.The Equity Play
You have equity in a property and you want to put it to work — fund another acquisition, make improvements, or reposition your portfolio. A cash-out refinance can be the most efficient way to access capital.
Let's discuss the deal.The Next Property
You already own investment properties. You're looking at the next one. You need a lender who understands that multiple properties, complex income, and an investor's approach to real estate are not red flags — they're the profile.
Let's discuss the deal.The Commercial Opportunity
You're looking at a commercial property — office, retail, industrial, mixed-use, or a larger multifamily. Commercial financing is different. You need someone who knows how it works.
Let's discuss the deal.The Non-Traditional Borrower
Your income is self-employment income, business income, rental income, or investment income. Standard documentation doesn't tell your story. Alternative documentation programs exist for exactly this situation.
Let's discuss the deal.
[Your Name]
Loan Consultant
About
28 Years in Mortgage Lending.
I've spent 28 years in mortgage lending — working with real estate investors, commercial property owners, and borrowers whose situations don't fit the standard residential model. I've seen every market cycle, worked through every rate environment, and structured financing for every type of investment property transaction.
My focus has always been on the deal — understanding the property, the transaction, and the borrower's investment strategy, and finding financing that fits. Not fitting borrowers into products. Not applying templates. Looking at each transaction on its own terms and finding a way to make it work.
Talk to Me About Your DealFAQ
Frequently Asked Questions
Have a Deal? Let's Talk.
Tell us about the property, the transaction, and what you're trying to accomplish. We'll review it and come back to you with a clear picture of what's available and how to move forward.