Expand Your Portfolio Without Personal Income

Industry-Leading Fix and Flip Loan Program

No tax returns, no DTI calculations – just faster closings and greater opportunities.

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.

With 10+ years in real estate and 6+ years in private money lending, We've built The Consulting Hub to solve the capital constraints that limit investor growth.
We specialize in innovative funding solutions that help real estate investors scale without cash flow barriers.

We work with referral partners across all funding services to create win-win relationships. Whether you're an agent, broker, contractor, or investor with clients needing creative financing, let's explore partnership opportunities.
Email us to discuss how we can add value to your network.

Ready to scale without cash constraints?
Let's schedule a call to discuss up to 100% financing solutions:

• EMD Funding - Up to $100k for earnest money deposits
• Double Close Funding - Same-day closings up to $100M
• Seller Carry-Back Method - Eliminate gap funding needs
• Stack Method - Up to $1M with 1-2 day closings
• First Lien Coordination - Connect with vetted lenders
• Full Transaction Support - From contract to closing

Contact us today to turn your deal pipeline into closed transactions.

Frequently Asked Questions

What documents do I need to apply for a mortgage?

You’ll typically need proof of income, bank statements, tax returns, and credit information. Specific requirements may vary by lender.

How much can I borrow for my mortgage?

Your borrowing amount depends on your income, credit score, down payment, and debt-to-income ratio. A pre-approval can give you a clearer estimate.

What’s the difference between a fixed-rate and adjustable-rate mortgage?

A fixed-rate mortgage has a steady interest rate throughout the term, while an adjustable-rate mortgage (ARM) has a rate that may fluctuate after an initial fixed period.

How long does the mortgage approval process take?

The timeline can vary but generally takes 30-45 days, depending on factors like document verification, appraisals, and lender-specific processes.

Testimonials

Luca's warm and inviting personality is what makes me proud to work with him. I am confident in the skills and work ethic he brings to his clients. Having met him in other rei groups, I'm glad to have the opportunity to work together, creating and morphing Team Sparta into a powerhouse it is!

—Megan Wuebker.

Luca is is a powerhouse when it comes to closing private hard money or DSCR loans for new and seasoned real estate investors. He is able to source capital and just get it done! If you need a loan, call him!