All Forum Posts by: Jesse Goldberg

We're a father and son team specializing in the financing of non-owner occupied investment properties. We provide Mortgage Brokers, Borrowers, Investors and Real Estate Agents with funding for investment property acquisition and refinancing. We use our own capital to provide business purpose loans for clients that seek to:

- Fix & Flip
- Buy & Hold
- Rate & Term
- Cash Out & Refinance
- Bridge Financing
- Foreign National

We are also able to offer:

- Commercial
- Mixed use
- Up To 100% Ground-Up Construction

We have just finalized our new PRIVATE SBA 504 program, allowing us to finance loans from $1m to $30m and can close in an average 30 days (as compared to 60-90 days of a typical SBA program). This also allows you to carry only one loan and reduce the time and possible expenses as compared the traditional program.

With a specialized set of market competitive products, we make possible the ability to acquire multiple properties and give investors leverage over their cash position.

We have no minimum credit score and calculate rates based off of FICO, experience, and property.

Call, text or email when you can, let's discuss your loan scenario.

Father & Son Lending

We're a father and son team specializing in the financing of non-owner occupied investment properties. We provide Mortgage Brokers, Borrowers, Investors and Real Estate Agents with funding for investment property acquisition and refinancing. We use our own capital to provide business purpose loans for clients that seek to:

- Fix & Flip
- Buy & Hold
- Rate & Term
- Cash Out & Refinance
- Bridge Financing
- Foreign National

We are also able to offer:

- Commercial
- Mixed use
- Construction

We have just finalized our new PRIVATE SBA 504 program, allowing us to finance loans from $1m to $30m under only one loan and can close in an average 30 days (as compared to 60-90 days of a typical SBA program). 

With a specialized set of market competitive products, we make possible the ability to acquire multiple properties and give investors leverage over their cash position.

We have no minimum credit score and calculate rates based off of FICO, experience, and property.

Call, text or email when you can, let's discuss your loan scenario.

Father & Son Lending

@Carl Marion We do, but if you're talking about low interest in relation to a bank loan, no, our rates would be anywhere from 6.5-11% but it will depend on the property and your experience. Feel free to send me an email about the property and I'll let you know relative rates, but it's definitely something we'd be open to. 

We're a father and son team specializing in the financing of non-owner occupied investment properties. We provide Mortgage Brokers, Borrowers, Investors and Real Estate Agents with funding for investment property acquisition and refinancing. We use our own capital to provide business purpose loans for clients that seek to:

- Fix & Flip
- Buy & Hold
- Rate & Term
- Cash Out & Refinance
- Bridge Financing
- Foreign National

We are also able to offer:

- Commercial
- Mixed use
- Construction

With a specialized set of market competitive products, we make possible the ability to acquire multiple properties and give investors leverage over their cash position.

We have no minimum credit score and calculate rates based off of FICO, experience, and property.

Call, text or email when you can, let's discuss your loan scenario.

Father & Son Lending

We're a father and son team specializing in the financing of non-owner occupied investment properties. We provide Mortgage Brokers, Borrowers, Investors and Real Estate Agents with funding for investment property acquisition and refinancing. We use our own capital to provide business purpose loans for clients that seek to:

- Fix & Flip
- Buy & Hold
- Rate & Term
- Cash Out & Refinance
- Bridge Financing
- Foreign National

We are also able to offer:

- Commercial
- Mixed use
- Construction

With a specialized set of market competitive products, we make possible the ability to acquire multiple properties and give investors leverage over their cash position.

We have no minimum credit score and calculate rates based off of FICO, experience, and property.

Call, text or email when you can, let's discuss your loan scenario.

Father & Son Lending

We're a father and son team specializing in the financing of non-owner occupied investment properties. We provide Mortgage Brokers, Borrowers, Investors and Real Estate Agents with funding for investment property acquisition and refinancing. We use our own capital to provide business purpose loans for clients that seek to:

- Fix & Flip
- Buy & Hold
- Rate & Term
- Cash Out & Refinance
- Bridge Financing
- Foreign National

We are also able to offer:

- Commercial
- Mixed use
- Construction

With a specialized set of market competitive products, we make possible the ability to acquire multiple properties and give investors leverage over their cash position.

We have no minimum credit score and calculate rates based off of FICO, experience, and property.

Call, text or email when you can, let's discuss your loan scenario.

Father & Son Lending

 Absolutely, BPOs are common and usually the preferred method to get value quickly, but of course there is still cost associated. Some will require BPOs below a certain price point and other require appraisals on all properties. This is ultimately something you should discuss with  your lender, as each is different. There are very few (only one that I know) that will delay an appraisal until after funding, but that has it's own criteria that is very atypical for the average borrower.

Look at it this way, you want to ensure that the value of EACH property is where the margins make sense for both you and the lender. It's in the investors best interest to get proper documented analysis of the property. 

We're a father and son team specializing in the financing of non-owner occupied investment properties. We provide Mortgage Brokers, Borrowers, Investors and Real Estate Agents with funding for investment property acquisition and refinancing. We use our own capital to provide business purpose loans for clients that seek to:

- Fix & Flip
- Buy & Hold
- Rate & Term
- Cash Out & Refinance
- Bridge Financing
- Foreign National

We are also able to offer:

- Commercial
- Mixed use
- Construction

With a specialized set of market competitive products, we make possible the ability to acquire multiple properties and give investors leverage over their cash position.

We have no minimum credit score and calculate rates based off of FICO, experience, and property.

Call, text or email when you can, let's discuss your loan scenario.

Father & Son Private Money Lending

We're a father and son team specializing in the financing of non-owner occupied investment properties. We provide Mortgage Brokers, Borrowers, Investors and Real Estate Agents with funding for investment property acquisition and refinancing. We use our own capital to provide business purpose loans for clients that seek to:

- Fix & Flip
- Buy & Hold
- Rate & Term
- Cash Out & Refinance
- Bridge Financing
- Foreign National

We are also able to offer:

- Commercial
- Mixed use
- Construction

With a specialized set of market competitive products, we make possible the ability to acquire multiple properties and give investors leverage over their cash position.

We have no minimum credit score and calculate rates based off of FICO, experience, and property.

Call, text or email when you can, let's discuss your loan scenario.

Father & Son Lending

Not all lenders require a minimum FICO, so sticking with those will be best for you at this point. If the Montebello property is an investment property and NOO, it's absolutely something that lenders can look at to evaluate risk and opportunity to lend. Depending on your experience, the FICO can be offset with more experience to get lower rates, but expect rates on the upper end of lender's ranges.

None of this should be discouraging, but are things to think about as you shop around to find a lender that works for you, your finances, and your current FICO/Experience.