2025, Issue No. 28
This issue , I wanted to talk about something simple that makes a huge difference in lending: a clean process.
Most borrowers don’t get stressed because of rates or terms.
They get stressed because the process feels unclear, too many requests, scattered communication, or paperwork that keeps circling back.
At Brickell Private Lending, we focus on transparency and execution.
Every file moves through the same streamlined path, so borrowers always know exactly where they stand. No surprises, no confusion, no “we’ll see.”
To show how it works, here’s our full lending flow from start to finish — simple, predictable, and borrower-friendly. ✅
How Our Process Works (No Surprises, No Circles)
- Underwriting Initial Review: We start by reviewing the borrower’s credit profile and the subject property. No commitments yet, just clarity.
- Appraisal Ordered: While the appraisal is being completed, we gather key documents related to the property and the borrower’s financial assets. This ensures the borrower has enough funds to close comfortably.
- Final Underwriting Review: Once all information is in, the file moves to our underwriting committee for a detailed review.
- Committee Approval: The loan is formally approved by the committee, no gray areas, no “we’ll see.”
- Final Terms Sent: The borrower receives the clear, final loan terms for review.
- Borrower Approval: Once the borrower approves the terms, we’re ready to close.
- Title Agent Closes: The title team handles the final signing and disbursement. Yayyy — deal closed and funded. 🎉
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Our Simple Loan Origination Flow
No surprises, no circles. Just clarity from start to finish.
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| Yayyy — closed & funded. |
Loan Programs We Fund
Bridge Loans: rehab, new construction, stabilized properties
Min Fico – 600
Min Loan Amount – $50,000.00
DSCR Loans: rates starting at 5.5% Clear underwriting Real timelines Consistent communication
Min Fico – 660
Min Loan Amount – $75,000.00
A Note Before We Go
Today, our team celebrates a special day.
Happy Birthday, Anthony Heine —President & Head of Lending
Anthony leads loan originations and day-to-day operations with a level of discipline most investors never actually see, but always feel.
If you’ve ever experienced:
✅ Fast responses
✅ Clear communication
✅ Organized underwriting
✅ Closings that happen on time
…then you’ve seen his influence.
As President & Head of Lending at Brickell Private Lending, Anthony ensures every deal is executed with precision and efficiency. His focus is simple:
clean intake, clear conditions, and reliable closings.
He believes lending should be straightforward, not stressful, and his leadership sets the standard for how we operate.
Behind the spreadsheets, calls, and approvals is someone who genuinely cares about doing the right thing for borrowers and investors. That’s rare in this industry.
So today, we’re pausing our usual market talk to say:
🟡 Happy Birthday, Anthony.
🟡 Thank you for keeping every file moving forward.
🟡 Thank you for the long days, the late calls, and the zero-excuses work ethic.
Brickell Private Lending exists the way it does because of your commitment to relationships, results, and reliability.
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.
Thinking about trading New York winters for Boca Raton?
We’re a licensed Florida brokerage and happy to answer questions about neighborhoods, schools, investment properties, or relocation.
— No pressure. Just guidance.
Alanna Avalone - Private Lender 
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