2025, Issue No. 4
Quote of the Day
I think it is possible for ordinary people to choose to be extraordinary. — Elon Musk
Letter to the Investors
Dear Investors,
We’re wrapping up April and head deeper into spring, I keep coming back to this idea:
“Ordinary” and “extraordinary” aren’t titles you earn.
They’re choices you make.
This season isn’t about waiting for perfect rates, perfect deals, or perfect timing. It’s about choosing to move with clarity, even when everything around you feels noisy or uncertain.
The market is shifting.
Capital is flowing.
Opportunities are real, but they’re not handing themselves out.
They’re waiting for the investors who are ready, structured, and strategic.
In this week’s edition, I’m sharing what we’re seeing on the ground:
Where capital is moving, what terms are strong, and how smart borrowers are positioning themselves to win, not someday, but right now.
If this season is calling you to build, refine, or move faster, you’re not alone.
Let’s keep building with purpose.
Have a great start off to your week,
Alanna Avalone
Investor Corner: Reset the Table
Spring isn’t just about cleaning.
It’s about resetting the table for bigger moves.
Tax season showed you your real numbers, not your projections, not your plans, but the truth.
If your capital is tied up where it’s not producing, if your debt isn’t working in your favor, or if your liquidity is too thin to act when opportunity knocks, you already know it.
Now is the time to move.
Reposition dead equity. Refinance debt that’s draining your margins. Build cash reserves before the market heats up and competition moves faster than you.
This isn’t the season to sit still because rates aren’t perfect or the headlines are loud.
This is the season to reset, realign, and rearm yourself with smarter financing.
The investors who adjust now, the ones who clear clutter and free capital, will be the ones ready to scale when the next wave of deals hits.
Everyone else will still be scrambling to catch up.
Capital Markets Insight: April 2025 — Liquidity Is Back, But So Is Scrutiny
As we head into late April, capital is flowing again, especially toward stabilized rental properties and small-balance multifamily.
Rates have settled into a tighter range, private funds are back to chasing clean deals, and even some banks are loosening slightly on commercial underwriting.
But it’s not like 2021, when capital chased anything that moved.
Today’s liquidity comes with discipline, deals still need to cash flow, borrowers need to qualify, and underwriting standards are back in place.
Here’s what we’re seeing in real-time:
DSCR loans remain strong, with rates in the high 7s to low 8s. Leverage up to 85%, but only for properties with solid leases and clean cash flow. Stabilized bridge loans are moving faster than they have in months, with rates between 9.99%–12.99%, especially for 1–4 unit rentals, small multifamily, and clean mixed-use properties. Borrower profile matters. Investors with 640+ FICO for DSCR and 600+ FICO for bridge are getting quoted quickly. Anything lower, and lenders are tapping the brakes, or pricing it harder. No more “story deals.” Assets need to pencil now. Rent-ready, cash-flowing, and verifiable income are the minimum standards.
Capital is available.
But investors who show up prepared, clean financials, clear strategy, and the right expectations, are the ones who are moving fast and winning terms.
We’re quoting aggressively, but we’re quoting intelligently.
Deal Spotlight: Fast DSCR Refinance in Mount Vernon, NY
One of our investors needed a quick refinance on a stabilized 3-family in Mount Vernon, NY.
The property was fully leased, generating strong cash flow, and positioned for long-term hold.
Their challenge:
Mid-600s FICO (solid, but not ideal for banks) Needed cash-out to secure a new investment property in the neighborhood Required a fast closing to meet their next purchase deadline
We structured a DSCR refinance with:
75% LTV Fixed rate at 7.95% DSCR at 1.10 30-year fixed term Closed in 18 calendar days
The investor accessed the equity they needed without disrupting their portfolio—and moved straight into their next acquisition before the spring competition heated up.
When the numbers are clean and the strategy is clear, we move fast.
Loan Product Highlight: Rental Loans Built for Investors
We’re actively quoting two core loan programs for stabilized rental properties—designed to meet real investors where they are today.
1. DSCR & Non-QM Rental Loans
For long-term buy-and-hold strategies:
30-year fixed or interest-only options Up to 85% LTV for purchases and refinances DSCR as low as 1.0 Minimum FICO: 640 No income docs or tax returns required Properties must be stabilized and rent-ready
Ideal for investors looking to lock in long-term financing, pull equity, or buy in an LLC without full doc underwriting.
2. Stabilized Bridge Loans
For short-term flexibility on leased assets:
12–24 month interest-only terms Up to 75% LTV Minimum FICO: 600 (we do not go below) No rehab required Close in as little as 10–15 business days
Perfect for time-sensitive acquisitions, short-term exits, or repositioning before refinance.
If your rental is clean and your credit is in range—we’re ready to quote.
This Week’s Feature
Private Money Lending 101: What Borrowers Need to Know
If you’ve ever wondered how private money lending actually works—and what makes it different from hard money or bank financing—this breakdown is for you.
In this article, I walk through the core concepts behind private lending, how I structure loans, and what serious investors should understand before they borrow.
Whether you’re new to alternative financing or ready to explore a more strategic relationship with capital, this guide will help you get clear.
Read it here: Private Money Lending 101
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 
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