Southern California's mortgage and private capital market demands precision, not templates. Troy Mire structures transactions conventional lenders cannot — from investor portfolios and distressed assets to jumbo purchases and non-QM qualification.
Six programs. One broker with access to 100+ investors. Every file matched to the structure that fits, not the one that is easiest to place.
Fannie Mae and Freddie Mac backed loans for qualified borrowers. Best rates for strong credit profiles.
Government-backed with flexible qualification. Ideal for first-time buyers or those rebuilding credit.
Zero down for eligible veterans and active military. No PMI and competitive rates backed by the VA.
Above conforming loan limits. Portfolio product requiring strong reserves, income, and credit history.
Bank statement, asset depletion, DSCR, and foreign national programs for borrowers outside standard qualification.
Zero down for eligible rural and suburban properties. Income limits apply. Strong option in qualifying SoCal areas.
Income, credit, equity, and timeline assessed directly. No junior processors. Troy reviews every file personally.
Compared across 100+ lenders and investor relationships. The right structure, not the easiest one to place.
Direct oversight through underwriting, appraisal, and conditions. One point of contact. No handoffs.
Clear to close confirmed, final numbers reviewed, transaction funded. Timeline driven by the deal, not the calendar.
Timing, structure, and equity are the variables that matter in private capital. Every scenario below has been executed in California markets. Direct lender relationships, no broker chains.
Short-term financing that bridges the gap between acquisition and permanent financing or sale. Fast close, asset-based approval.
Equity-based lending for investors and distressed situations where conventional underwriting is not an option.
Purchase and rehab financing for investors. Funds the acquisition and renovation in a single structured loan.
Qualify on rental income, not personal income. Built for investors scaling a portfolio without tax return documentation.
Financing for NOD, BK, maturity payoff, and foreclosure situations where timing is the primary constraint.
Equity-based cash-out on investment properties and non-owner occupied assets where conventional programs do not apply.
No call centers. No automated pre-approvals. Every inquiry goes directly to Troy. Complex deals, time-sensitive situations, and borrowers who have been turned down elsewhere are reviewed personally and responded to the same business day.
If the situation is urgent, the phone below reaches Troy directly. If the structure is complex, the form gets the right information in front of the right person immediately.