Alanna Avalone – Private Lender

Quote of the Day

To everything there is a season, and a time for every purpose under heaven. — Ecclesiastes 3:1 / Kohelet 3:1

“לַכֹּל זְמָן, וְעֵת לְכָל-חֵפֶץ תַּחַת הַשָּׁמָיִם”

Letter to the Investors

2025, Issue No. 3

Dear Investors,

Today is Good Friday, a quiet, reflective pause in the middle of a week that often moves fast.

I gave myself permission to slow down, not because the market did (deals are still happening, capital is still moving), but because sometimes we need to step back to realign with what matters most.

Easter always brings me back to this:

Resurrection doesn’t always show up in grand gestures.

Sometimes it’s quiet.

It looks like perspective returning after confusion.

It looks like stillness before the next right move.

If you’re still building, or rebuilding, I see you.

Even if your credit isn’t where you want it to be, even if you’re not sure what your next deal looks like.

There are ways to move forward. There are tools for this season. You don’t have to have it all figured out to take a step in the right direction.

You’re not behind.

You’re being prepared.

Tonight, I’m stepping away from the desk for a bit. we’re roasting fish, gathering with family, and sharing a quiet Good Friday dinner.

There’s a lot to be grateful for in this season.

With you this Good Friday,

Alanna Avalone

Investor Corner

This market is full of either-or thinking:

Bank or private. Bridge or rental. Flip or hold.

But the smartest investors know that real strategy lives in the in-between.

Whether you’re working on a $200K duplex or a $4MM portfolio, the opportunity lies in how you structure, not just what you borrow.

You don’t have to pick a side between private money and long-term financing. You can use both. That’s what I help clients do every week.

Because here’s the truth:

You can secure a 30-year DSCR loan through our private platform.

You can access non-QM rates without waiting 45 days.

And you can still move like a cash buyer while setting yourself up to refi later.

This isn’t about chasing the lowest rate. It’s about structuring the right loan for the season you’re in, and building a relationship with capital that works as hard as you do.

Capital Markets Insight

DSCR and Stabilized Bridge Loan Trends

DSCR and Stabilized Bridge Loan Trends

This spring, we’re seeing consistent momentum in two very specific lanes: DSCR loans for long-term rental portfolios, and bridge loans for stabilized properties that are already leased and cash-flowing. These deals don’t need rehab. They don’t need repositioning. And in this market, that simplicity is exactly what capital is hungry for.

On the DSCR side, we’ve updated our terms to meet demand from seasoned and mid-tier investors alike. For qualifying rental properties with strong credit and clean rent rolls, we’re quoting up to 85% LTV. That includes both 1–4 unit residential rentals and small multifamily deals. We’re accepting DSCR ratios as low as 1.0, and in most cases, we’re waiving reserve requirements when the property is fully leased. Our DSCR programs are fixed for 30 years, and current rates are holding steady in the high 7% to low 8% range. The minimum credit score is 640.

For bridge loans, we’re actively funding stabilized properties that simply need a fast close and a flexible term, not construction. These are typically 12–24 month, interest-only loans with rates between 9.99% and 13% depending on borrower profile. We’re quoting up to 75% LTV, with closings in 10–15 business days. Minimum FICO: 600.

We’re seeing a surge in activity across rental portfolios, small multifamily, and mixed-use, where banks hesitate but private capital thrives. If your property is stabilized and your credit is in range, we’re ready to quote.

Deal Spotlight: Refi on a Stabilized 4-Plex in Pompano Beach, FL

One of our repeat clients came to us with a clean rental asset, a fully leased 4-unit property in Pompano Beach. The property was cash-flowing, recently renovated, and held in an LLC. Their goal: pull equity to acquire a second rental down the street.

The challenge?

A mid-tier credit score in the 660s, recent self-employment, and no interest in chasing full doc underwriting or waiting 45 days for a bank.

We structured a DSCR refinance with:

75% LTV DSCR ratio of 1.12 Fixed rate at 7.85% 30-year interest-only option in year 1 No reserves required Closed in 19 calendar days

The investor walked away with over $210,000 in cash-out, stayed in their LLC, and is already under contract on the next asset using our bridge loan terms.

Loan Product Highlight: Stabilized Bridge Loans

For investors working with rental properties that are already leased and cash-flowing, our Stabilized Bridge Loan is a flexible solution designed to move quickly, without the red tape.

We’re currently offering:

Up to 75% LTV for both purchases and refinances Minimum FICO: 600 (we do not go below) Interest rates between 9.99% and 13%, based on borrower profile, experience, and credit 12–24 month interest-only terms Closings in 10–15 business days

If your asset is stabilized and you’re looking to move fast, this loan gives you the leverage to take your next step with confidence.

This Week’s Feature

Guide: Residential Real Estate Investing

Whether you’re just getting started or looking to refine your strategy, this guide is packed with clear, actionable insights to help you navigate real estate investing with purpose.

I wrote it for both first-time buyers and seasoned investors who want a reset on what actually works, without the fluff.

Read it here:

Your Ultimate Guide for Real Estate Investing

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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.

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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!