Alternative financing when your lender or bank says no.

Just wanted to share some alternative financing for some of you. If lenders and banks say no, just keep looking. Although some of the rates may be higher, you always want to try traditional financing first.

“Our client came to us with a unique situation where due to his FICO score, he wasn’t able to do a cash-out refi and he REALLY needed the cash. Luckily for us, we were able to put him in a short-term bridge and get him the cash-out. This also gave him time to rescore and refi with us into a much lower interest rate.”

This is just one situation and everybody’s situation is different. But when you’re looking for Bridge financing, fix and flip, Cross border, rental, self-employed, bank statement loans here is your resource. Call or text me at 480-466-4917 and I’ll put you in touch with the appropriate person.

Fix & Flip/Bridge:

  • Property Types: Single Family(1-4) – Multifamily (20 units)
  • Rates Starting at 5.99%
  • Loan Amounts $150,000 to $5,000,000
  • LTV up to 90% plus 100% of rehab
  • 12 Month Term
  • Close without a full appraisal on loans under $1mm


  • Property Types: Single Family(1-4) – Multifamily (5-8)
  • Rates Starting at 3.25%
  • Loan Amounts up to $5,000,000
  • Up to 80% Loan to Value
  • Loan Terms 30-40yrs, Full Amortized
  • No Personal Income Required(No Paystubs, No Tax Returns, No W-2’s.

Bridge Loans

Do you need a short-term loan so you can quickly purchase an investment property? Our bridge loans allow you to purchase a property under market value, in order for you to re-sell or refi as quickly as possible. Typically, a 1-year term with no pre-payment penalty, it enables investors like you to maximize returns.


As low as 5.99%

Loan Amounts:

Up to $5 Million

Loan To Cost:

Up to 80%

Loan Terms:

Up to 60 Months

Property Type:

SFR(1-4) – Multifamily(20 Units)
You have probably heard of a reverse mortgage that allows you to borrow against the equity of your home without having to make any mortgage payments until you permanently leave or sell your home.

Here is another option from a different company I know. The only thing they don’t mention is the Points. Sometimes they can charge as much as 2 points (2% of the loan) that. gets added, this is some VERY important information they leave out.


  • SFR(1-4) – Multifamily(20 Units)
  • Loan Amounts Up to $5M
  • Up to 90% LTV
  • Rates as Low as 5.99% (Previous experience expected to get this rate) 8-10% is more like it with doc fees or points
  • Loan Terms Up to 12 Months


  • SFR(1-4) – Multifamily(20 Units)
  • Loan Amounts Up to $5M
  • Up to 80% LTC
  • Rates as Low as 5.99% but more like 8% in some situations
  • Loan Terms Up to 60 Months


  • SFR(1-4) – Multifamily(20 Units)
  • Loan Amounts Up to $5M
  • Up to 85% LTV
  • Rates as Low as 6.99%
  • Loan Terms Up to 12 Months

Inversa Term Mortgage (US / Canada) No borders

What is an
InversaTerm Mortgage?

An InversaTerm mortgage allows you to receive both a lump-sum amount and/or a quarterly installment paid to you by the lender with no requirement to make any mortgage payments until the loan becomes due and payable.

No borders.

InversaTerm is available in the Canada and United States to non-resident foreign nationals such as, Canadians who own vacation or investment property in the United States, and Americans who own vacation or investment property in Canada. 

No limitations.

It is not person-dependent, property-dependent, or life-dependent!

The InversaTerm mortgage is ideally suited for individuals who wish to unlock the equity they have trapped in their US vacation home and investment property without having to make any mortgage payments for up to 10 years. Mortgage funds can be used for any purpose – renovate your U.S. home, pay your annual operating costs, or take the capital and make new investments.  The choice is yours!

 Who is eligible for an InversaTerm Mortgage?

If you are a Canadian who owns a home in Arizona, Colorado or Florida you are eligible to apply.

In the future, we will be adding additional states such as California, Hawaii, Washington, Texas, and more!

If you own a second residence or rental property in the United States, an InversaTerm mortgage can give you peace of mind knowing that you can borrow funds against your property no matter where it is located!

If you’re having trouble getting financing, let me know and I can set you up with the right people!

Jay Bru



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