All Forum Posts by: Giacomo Ghitti

Hello Joe,

As an Account Executive for a direct lender, I can confirm that the key factors you mentioned particularly LTV, DSCR and Location are essential when evaluating a project in today's market.

 The most successful Account Executives tend to also be strong underwriters and mentors. We make it a point to guide our borrowers, helping them determine whether a deal is truly the right fit for them or if it may be too ambitious given their current position.

 The more information we can gather from the borrower, the better we can structure the deal and identify the strongest leverage points.

Finance of America Commercial is a lender that specializes in asset-based loans for residential rehab, construction, bridge, or rental properties. Our extensive suite of products gives investors the flexibility they need to acquire, refinance, hold, and profit off their diversified investment property portfolio. Here’s a quick preview of what we offer:

Short-Term Loans: Fix & Flip, Ground-Up Construction, Bridge

• 12-24 mo. term, depending on product
• Up to 100% rehab/construction financing
• Up to 90% LTFC for rehab and construction
• Bridge loans available for stabilized properties

Long-Term DSCR Loans: Single Rental, Portfolio (Blanket) Rental

• 30 year loan terms with ARM, interest-only, and fixed rate options
• Underwritten on property cash flow, no tax returns needed
• Variety of pre-payment penalty options available
• Great financing option for landlords with long-term rentals

What type of properties do we lend on?

• Single family residences (1-4 units)
• Rental portfolios
• Warrantable condos
• Townhomes

If you’re interested in learning more about any of these programs or have a specific deal in mind, don’t hesitate to reach out to me at 332-334-9589

Finance of America Commercial is a lender that specializes in asset-based loans for residential rehab, construction, bridge, or rental properties. Our extensive suite of products gives investors the flexibility they need to acquire, refinance, hold, and profit off their diversified investment property portfolio. Here’s a quick preview of what we offer:

Short-Term Loans: Fix & Flip, Ground-Up Construction, Bridge

• 12-24 mo. term, depending on product
• Up to 100% rehab/construction financing
• Up to 90% LTFC for rehab and construction
• Bridge loans available for stabilized properties

Long-Term DSCR Loans: Single Rental, Portfolio (Blanket) Rental

• 30 year loan terms with ARM, interest-only, and fixed rate options
• Underwritten on property cash flow, no tax returns needed
• Variety of pre-payment penalty options available
• Great financing option for landlords with long-term rentals

What type of properties do we lend on?

• Single family residences (1-4 units)
• Rental portfolios
• Warrantable condos
• Townhomes

If you’re interested in learning more about any of these programs or have a specific deal in mind, don’t hesitate to reach out to me at 332-334-9589

Hello Bernard, 

Direct lender here. We can lend in Wisconsin and happy to assist you. Just sent a PM to you 

Hi Donyea, 

Feel free to give me a call and I can explain to you the steps for each product.

Hello Austin,

Direct lender here. Feel free to contact me 

Hello Mike, 

Jaycee is correct. We are more picky but we could look into the fix and flips that your borrower has done and make a decision. Connect for more info!