About
28 Years in Mortgage Lending.
Built Around Real Estate Investors.
Mike
Loan Consultant
[Company Name]
Background
28 Years in Mortgage Lending.
I entered the mortgage industry in 1998, coming off an active-duty career in the U.S. Marine Corps. That background shaped how I work — direct, disciplined, and focused on getting the mission done. Over the past 28 years I've worked 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.
For 13 years I hosted a radio talk show — "Let's Talk Real Estate with Mike Andrews" — where I broke down real estate and financing in plain language for a broad audience. That experience reinforced something I already believed: most people don't need jargon, they need clarity. I've carried that into every client conversation since. I'm also the author of three books on real estate, and I've personally purchased and rehabilitated a significant number of investment properties. I don't just finance deals — I've been in them.
My focus has always been on the deal — understanding the property, the transaction, and the borrower's investment strategy, and finding financing that fits. Investment real estate operates by different rules than owner-occupied residential. The property's performance matters. The deal structure matters. After 28 years working specifically in this space, I understand those differences — and I know how to work with them.
Experience & Specialization
Years in Lending
28
Specialization
Investment Property & Commercial Real Estate
Serving
30+ States Nationwide
Specialization
Areas of Expertise
Investment Property Purchase
Financing for single-family rentals, small multifamily, and value-add acquisitions. Structured around the property and the investment strategy.
Investment Property Refinance
Rate-and-term refinancing for investment properties. Improving debt structure, lowering payments, repositioning portfolios.
Cash-Out Refinance
Accessing equity in investment properties to fund acquisitions, improvements, or portfolio expansion.
Alternative Documentation
Bank statement programs, DSCR loans, and asset-based lending for investors whose income doesn't fit a W-2 model.
Commercial Real Estate
Financing for office, retail, industrial, mixed-use, and multifamily properties. Structured around the property's performance.
Portfolio & Blanket Loans
Investor-specific programs for borrowers with multiple properties. Built for investors who think beyond a single property.
Philosophy
The Approach.
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.
I don't apply a template. I look at the property, the transaction, and the borrower — and I structure financing that fits. That means understanding what a lender needs to see, how to position the transaction, and what documentation tells the right story.
It also means being direct. If a deal doesn't work, I'll tell you why. If there's a path forward, I'll tell you what it is. No runaround. No wasted time.
Market Experience
28 Years of Market Cycles.
28 years in mortgage lending means I've worked through rising rate environments, falling rate environments, tight credit markets, and everything in between. I've seen the 2008 financial crisis, the post-crisis tightening, the low-rate environment of the 2010s, and the rate cycle that followed. Each cycle changes what's available, what lenders require, and how deals need to be structured. That experience is what I bring to every transaction.
28
Years of Experience
5+
Market Cycles
30+
States Served
Client Feedback
What Investors Say
"I've worked with a lot of lenders over the years. Most of them treat investment properties like they're a problem to be solved. Mike actually understands how investment real estate works — and it shows in how the deals get structured."
D. Harmon
Real Estate Investor, Denver, CO
"I'm self-employed with income spread across multiple entities. Most lenders don't know what to do with that. Mike found a program that worked and got the deal closed."
R. Castillo
Self-Employed Investor, Austin, TX
"We were on a tight timeline for a commercial acquisition. Mike moved fast, communicated clearly, and we closed on time. That's what you need when a deal is on the line."
T. Nguyen
Commercial Real Estate Investor, Nashville, TN
Get in Touch
Have a Deal? Let's Talk.
Tell me about the property, the transaction, and what you're trying to accomplish. I'll review it and come back to you with a clear picture of what's available and how to move forward.
Ready to discuss a deal?