🔁 The Endless Paperwork Loop

2025, Issue No. 27

Complexity kills deals. Simplicity builds wealth.

This week felt like déjà vu in my pipeline.

I received new deals from big-name lenders — HouseMax, Premier Mortgage, and American Heritage. And guess what?

The reason they landed on my desk was practically identical every time:

✅ Endless document requests

✅ Repeating the same paperwork

✅ Feeling like the process is going in circles

If you’ve ever been stuck in that scenario, I genuinely sympathize. It’s frustrating to gather a full package, only to be asked for the same thing twice, three times… or more.

That’s one of the main reasons we built a simple, clean system:

Our loans are funded by institutional investors who buy directly from us.

No layers of approvals.

No circles.

Just clear underwriting, upfront conditions, and fast decisions.

Market & Wealth Corner

Let’s talk about passive income, not from rentals this time.

A ticker many investors overlook: IRM (Iron Mountain).

IRM is a real estate stock, technically a REIT (Real Estate Investment Trust).

But it’s not your typical apartment or shopping-center REIT.

It’s one of the most overlooked dividend stocks in the market.

They own and operate:

Data-center real estate Secure storage facilities
Cloud & server infrastructure
Physical vaults and digital information management for major corporations

Because it’s a REIT, they are legally required to distribute a big portion of taxable income back to shareholders.

That’s why long-term investors use IRM for dividends and passive income.

Rental cash flow = monthly income

Dividend cash flow = quarterly income

Both compound over time with zero day-trading.

Smart investors often use a blend of both.

No hype, no day-trading, just fundamentals.

Loan Products We Fund

Bridge Loans: Rehab, new construction, and stabilized properties
DSCR Loans: Rates starting at 5.5%

Clean underwriting. Fast decisions. Real answers.

If you want to go deeper into passive income, DSCR modeling, portfolios, or even dividend strategies, just reply with a question and I’ll cover it in the next issue.

Until next week,

Alanna Avalone – Private Lender

Call/ Text/ WhatsApp: +1 (305) 537-6443

This newsletter is my weekly take on lending, markets, and mindset, from someone who still loves helping people get deals done.

Thanks for reading

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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We’re a licensed Florida brokerage and happy to answer questions about neighborhoods, schools, investment properties, or relocation.

— No pressure. Just guidance.

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2 responses to “🔁 The Endless Paperwork Loop”

Kathleen Kathleen England

November 8, 2025 at 7:55 am

what is the minimum buy in?

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Javier Cruz

November 8, 2025 at 12:38 pm

Dear Ms. Avalone,

Thank you for sharing this insightful newsletter, it really resonated with me. The “endless paperwork loop” you described is something I’ve seen time and again in the private lending and real estate space, and I truly appreciate your commitment to simplifying the process and maintaining integrity through clean, decisive underwriting.

At JK Awesome Deeds, LLC, we share that same philosophy: keeping things structured, transparent, and relationship-driven. I believe there’s a strong opportunity for collaboration between our teams, especially in aligning projects that could benefit from your Bridge and DSCR loan products.

I’d also be interested in exploring your thoughts on passive income structuring through dividend-based or real estate-backed models, particularly for ministry, community, or small business development portfolios. That could open doors for meaningful impact while maintaining solid financial performance.

Would you have time for a brief call early next week to discuss potential alignment and deal flow opportunities? I can provide a summary of current projects and criteria that may fit your lending focus.

Thank you again for the inspiration and for continuing to model what efficient, relationship-based lending should look like.

With respect and collaboration,
Javier Cruz
Orlando, Florida
JK Awesome Deeds, LLC

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Alanna Avalone – Private Lender