2025, Issue No. 2
Quote of the Day
Opportunities multiply as they are seized.
— Sun Tzu
Letter to the Investors
Dear Investors,
If there’s one thing I’ve seen again and again, whether on the lending side or the investing side, it’s that momentum builds through action. And that’s exactly why I chose this quote for this week.
This market doesn’t belong to the biggest players. It belongs to those who move strategically, the ones who spot opportunity in small-balance deals, know how to structure across asset classes, and navigating what I often call the gray zone of lending.
That’s the space between agency and hard money, where bank terms don’t fit and private capital thrives. The deals in this zone aren’t flashy, but they’re profitable, financeable, and often overlooked.
Whether you’re holding a 4-unit in Boca Raton, FL or adding a 12-unit mixed-use in Mount Vernon, NY, this week’s insights are for you. I’m seeing strong appetite for well-structured deals under $5MM, on both the residential and commercial side.
This newsletter is my weekly download, a space to share opportunities, structure ideas, and stories that push the needle for real estate investors who are in it for the long game.
Let’s get into it.
This weekly newsletter is my personal take on the market, through the lens of an experienced real estate professional who still believes in building one deal at a time.
Keep investing. Build beyond.
Have a great start off to your week.
Alanna Avalone – Private Lender
Investor Corner: The 5MM Sweet Spot
There’s a lane in this market that’s wide open, and most investors are missing it. It’s the space between small residential and large commercial, where deals under $5MM live quietly and cash flow consistently.
This range includes:
• 1–4 units;
• Multifamily 5+ or mixed-use properties;
• Small-balance assets that don’t qualify for agency debt but are too clean for hard money.
What makes this range so powerful?
It’s financeable, flexible, and often overlooked. You can still negotiate directly with sellers, use creative capital, and move faster than institutional players.
If you’re scaling your portfolio, don’t skip the in-between. These deals may be smaller in size, but they’re often larger in opportunity.
Capital Markets Insights – April 2025
Where money is flowing, what lenders are favoring, and how to position your next deal.
In today’s market, capital is still moving, but it’s flowing toward structure, strategy, and strong operators.
Here’s what’s working right now in the $1MM–$5MM space:
• Agency and bank loans are available for stabilized, full-doc residential and multifamily deals (especially for W2 borrowers);
• Private credit and non-QM lenders are thriving in deals that banks won’t touch, LLC ownership, self-employed borrowers, and light value-add;
• Bridge capital is flowing fast for transitional assets, mixed-use buildings, and time-sensitive refinances.
Lenders are less focused on borrower tax returns and more focused on:
• In-place cash flow;
• Market stability Clear exit strategies;
• Exit clarity, deals in this range don’t need to be complicated, they just need to be well-packaged.
If your deal lives inside the gray zone (up to 5MM), you’re not too small to get attention, you just need to speak the capital market’s language. That’s what I help you do every week.
Loan Spotlight: Stabilized Bridge Loans
If your credit score falls between 600 and 639, even creative financing options might be limited, but that doesn’t mean your investment strategy has to pause.
Stabilized Bridge loans can provide a smart, short-term solution to keep your portfolio moving forward.
Here’s how it works:
- 12 to 24 month interest-only terms;
- No income verification;
- Leverage based on property value and exit plan
- Close in as little as 15-20 business days.
- This is ideal for investors who:
- Are coming off a credit event
- Need to stabilize income;
- Want to increase their FICO score while holding or improving rental assets.
Use this period to get financially aligned, then refinance into permanent terms once your profile is stronger.
If your scenario is solid but your credit needs time, this may be your bridge. The opportunity is there, we help you cross the bridge. Let’s talk strategy!
Need help packaging a file? My team underwrites with you.
We are Direct Lender for Residential Investor Projects.
We do NOT offer loans for homesteads (primary residences), or rural.
For projects that don’t align perfectly with our requirements, we collaborate with other lenders to explore financing alternatives.
— Typically booked out 2-3 days. Secure your spot now.
My Gift to You: Business Credit That Grows With You
Need working capital to kickstart your next project?
I’m sharing a powerful funding tool I’ve personally used to build my business.
Chase for Business offers a flexible line of credit with:
- 0% interest for the first year
- No annual fee
- Ideal for strong borrower profiles (700+ credit)
Start with $25K–$100K+ and watch your credit line grow as your business scales.
This is the kind of smart capital that works for you, not against you.
— Consider it my gift to help you move faster and smarter.
Broker Collaboration
We know brokers are the key to getting deals done. We provide the capital, underwriting, and servicing to help you close more deals with ease, backed by private capital.
Your deals, our capital. Focus on origination, we’ll handle the rest.
— If you’re a broker looking for a reliable lending partner, let’s connect!
AI-Powered Credit Boost
Dovly AI is shaking up the credit game with the first all-in-one AI credit engine that builds, fixes and protects credit, empowering all Americans to boom financially – 100% free.
— Our investors are using Dovly AI to improve personal credit for smoother approval.
Invest Smarter with Robinhood
Many real estate investors are diversifying into the stock market.
Start small, earn passively, and complement your real estate strategy with market-based gains.
— Get a free stock on me.
Alanna Avalone - Private Lender 
Leave a comment