Industry-Leading hard money & dscr loans

No paystubs, no tax returns, no employment verification, no PFS, and no personal debt ratio calculations – just faster closings and greater opportunities. Allow us to finance your monthly payments to waive off bank statements. See if you qualify today!

Take 3 minutes to request a term sheet or proof of funds letter by clicking on one of the 5 loan types below. You can also read my reviews, book a call or send me a call, text or email 👇

What type of loan are you looking for? *If you aren't sure... that's okay! Select DSCR 1st and we will provide some options when we send you a quote / term sheet. NOTE: 💰🏠 We finance 1-4 unit (per tax parcel) residential properties in major cities.

Select the option that best describes you below: *

What kind of property are you financing? *We finance 1-4 units per tax parcel. Be sure to request a quote for each tax parcel.

What is the full street address including city and state? *

Property address or nearby address - so we can check the area

When do you need to close escrow? *

Within 30 days

31-60 days

61-90 days

90+ days

If this is a purchase or there is a maturity date, what day?

If this is a purchase, what is the purchase price?

$

An estimate is fine

If this is a refinance, what is the loan payoff on the title report?

$

An estimate is fine

Is the property vacant or tenant occupied?

What is the condition of the property?

What is the current appraisal value, AS IS? *

You can search Zillow for similiar sold properties within 1 mile in the last 1 year.

What is your exit strategy? *

Sell

Refinance

Hold

For Rentals, what are the long term market rents?

You can check Rent-O-Meter.com or Zillow

For Rentals, how many leases will you supply?

For Short Term Rentals, do you have a 12 month ledger and what are the annual rents?

Income for last 12 months

For Flips or New Construction: What is the BUDGET/SOW?

For Flips and New Construction: What is the AFTER REPAIR VALUE?

What is the requested loan amount? *

How much do you want us to finance?

What is the annual insurance premium? *

An estimate is fine

For New Constructions, do you have a survey?

Stamped plans?

Permits are ready to be pulled?

Do you have an LLC, LP or Corporation? *

Yes

No

I need one

New companies are welcome

What is the name of your LLC or company? *

How many partners are involved in this deal?

What are the credit scores for the partners?

You can pull from CreditKarma.com if needed

What is the name of the person with the best credit score? *

Do you or any partners live within 100 miles of the property? *

Yes

No

How many rentals do the partners currently own? *

Must have 20% ownership or more.

Does someone on the deal have a 12 month mortgage history or residential property owned free and clear inside the last 3 years?

Yes

No - We have not owned any residential property at all in the last 3 years.

Do any of the partners have a mortgage late in the last 12 months, bankruptcy or foreclosure in the last 3 years? *

Yes

No

What is the total value of liquid assets held by the partners? *

Cash plus 50% of retirement accounts - that you can verify or deposit to escrow

Do you already have a quote?

No

Yes

If yes, what's the rate and points?

Do you need a Proof of Funds Letter for your offer?

Yes

No

For Purchase Money

What is the name of your Friend or Affiliate?

Who do you know at our firm or who referred you?

Your Full Name *

Your Email *

Your Phone *

We will email you the term sheet and call to follow up on receipt. I Consent to Receive SMS Notifications, Alerts & Occasional Marketing Communication from company. Message frequency varies. Message & data rates may apply. Text HELP to (XXX) XXX-XXXX for assistance. You can reply STOP to unsubscribe at any time.

Credentialed Private Money, Hard Money & DSCR Broker

With over two decades of real estate experience, I focus on helping residential real estate investors grow their portfolios and build long-term wealth.

Based in Ocala, Florida and Chicago, Illinois, I offer Private Money, Hard Money and DSCR 1st and 2nd mortgages in 47 states, with first mortgage loans typically exceeding $350,000.

Whether you're a buyer, flipper, landlord, or builder, I invite you to apply for a loan using the questions above and join one of my evening webinars hosted by me or my lender counterparties.

Referrals are always welcome. I look forward to providing you with nearly unlimited capital so you can keep moving forward.

Best Regards,

J. Ferraro

Frequently Asked Questions

What documents do I need to apply for a mortgage?

You’ll need our simple PDF loan application and disclosures, stamped articles of formation for your new or seasoned LLC, LP or Corporation, an operating agreement or bylaws which you can amend, property insurance, a credit report, title report and appraisal. I will order these last 3 items for you. You do NOT need proof of personal or business income, a personal financial statement, tax returns, and we do not ask about your employment. In many cases, you do not need seasoned assets or bank statements. Specific requirements vary by program.

If you are doing new construction a renovation or bridge loan with improved pricing or higher loan amounts, we may ask for a track record and a scope of work / budget if it applies. Please obtain your scope in writing from a licensed and insured contractor or subcontractor as per your county, city or state.

How quickly can we fund the loan?

COE (Close of Escrow) is realistically about 15 business days days: estimate 5 days for appraisal and title, estimate 5 days for legal documents and wire. Please be sure everyone is on board with this timeline. On a purchase, you could write the offer as 10-15 days and keep a 10-15 days extension in mind because Realtors deal in calendar days and lenders deal in business days.

Testimonials

Julieann's team has a remarkable knack for spotting the right opportunities and navigating the complexities of each deal with such precision. Their strategic approach not only secures great outcomes but also makes the entire process feel seamless for everyone involved.

— Luca B.

Juileann has been a pleasure to work with. Her clear communication and professionalism makes her a step above the rest. She has a very thorough knowledge of the lending process and her team is very responsive. Definitely reach out to her!

— Danielle D.

Julieann has provided me capital when I needed it. In fact, coming through right on time. She is professional, organized and exceptionally smart. She is also very reliable, and her communication skills are top notch. I appreciate her dedication to getting the job done.