Complex Situations.Structured Correctly.

Full spectrum. On the conventional side: FHA, VA, USDA, Conventional, and Jumbo. On the investor and private capital side: Non-QM, DSCR, bank statement loans, bridge financing, hard money, fix and flip, distressed property, and equity-based cash-out. Every file is reviewed across 100+ lender relationships to find the right fit, not the easiest placement.

It depends on the product. Private capital and bridge loans can close in 7 to 14 days when the file is clean and the asset is clear. Conventional, FHA, and VA loans typically close in 21 to 30 days depending on the complexity of the file and the property. Jumbo and non-QM often run 30 to 45 days. Timeline is driven by the deal, not an arbitrary calendar.

Yes. Self-employed borrowers who cannot qualify using standard tax return documentation are a primary focus. Bank statement programs use 12 to 24 months of deposits to establish qualifying income. P&L loans use a CPA prepared profit and loss statement. Asset depletion programs use verified liquid assets as the income basis. These products exist specifically for borrowers that conventional underwriting cannot accommodate.

DSCR stands for Debt Service Coverage Ratio. The loan qualifies on the rental income of the property, not the borrower's personal income or tax returns. If the property generates enough rent to cover the mortgage payment, the file can be structured. Most programs require a DSCR of 1.0 to 1.25. These loans are designed for real estate investors building or managing a rental portfolio who want to keep their personal income documentation out of the qualification process. 30-year fixed options are available.

It varies by program. FHA starts at 580. Conventional pricing is best at 740 and above but qualifies from 620. Non-QM and bank statement programs are typically flexible at 600 or higher. Private capital and hard money lending is primarily equity-based and credit score is a secondary factor. The right program depends on the full profile, not just the score. Submit the contact form or call directly for a real answer on your situation.

Fill out the form at the top of this page or the contact form above. You can also call directly at (562) 244-7963. Every inquiry is reviewed personally. For urgent or time-sensitive situations, calling is faster. For complex deal structures, the form captures the right details to give you a real response without a scripted intake process.

Yes. Bridge loans and hard money loans are available across Los Angeles County, Orange County, Riverside County, San Bernardino County, Ventura County, and San Diego County. Approval is asset-based. Loan amounts, LTV, and close timelines depend on the asset, the equity position, and the exit strategy. Most files close in 7 to 14 business days when the package is clean.

Yes. Financing is available for NOD (notice of default), active bankruptcy situations, maturity defaults, and pre-foreclosure scenarios where timing is the constraint. These are equity-driven decisions, not credit decisions. If there is sufficient equity in the asset and a clear exit, a structure can usually be built. Priority close is available on time-sensitive files.