Built by investors, for investors. We integrate Sergio's expertise as an active investor and multi-state mortgage broker with Christine's elite, independent third-party processing. Because Christine is a consistent #1 producer who has set historic records at major mortgage institutions, your files clear underwriting at lightning speed. Our ultimate focus is building relationships with the proper industry connections—allowing us to leverage our network to advise clients on maximizing allowable credits, preserving your capital, and fueling your next acquisition.
Investor-centric programs that bypass rigid retail guidelines — sized to the deal, not a one-size box.
No personal income needed — qualify on the lease agreement, 12-month STR history, or market rent (1007). Includes a 10%-down business-purpose option for qualified self-employed borrowers.
Buying? Make all-cash offers with as little as 10% down (5% if exploring primary options). Selling? Bridge-to-sell frees trapped capital while you wait for the right offer.
Low entry with the renovation budget included — one loan covers the purchase and 100% of the budget, with draws as work completes.
Finance new builds and luxury spec projects start to finish, with leverage sized to the as-completed value.
Pull trapped equity to fund your next project — including no-seasoning options to recycle capital fast.
White-label, digital HELOCs engineered for self-employed investors who need standby liquidity without losing momentum.
From a single rental to a luxury spec build, we structure the leverage to maximize liquidity and velocity — then process it with the urgency your timeline demands.
Sergio reads the deal like an operator and engineers the leverage — the right program, the right structure, maximum liquidity and velocity for your project.
Christine compiles a bulletproof file, navigates the underwriter directly, and anticipates conditions before they're issued — so nothing sits and waits.
Files move with aggressive efficiency to a clean, clear-to-close. Your next project is never waiting on a closing disclosure.
Program terms shown (leverage, term, renovation %) are typical ranges for illustration only and vary by program, property, and borrower. All deals are subject to review — experience, FICO, market, and property considerations apply — and the lender makes the final determination. Not a commitment to lend.
A look at deals we've structured and closed for real investors — details and photos coming soon.
Photos and deal details from a recently closed or active project — check back shortly.
Photos and deal details from a recently closed or active project — check back shortly.
Photos and deal details from a recently closed or active project — check back shortly.
Investors and developers can't afford a single day of un-leveraged capital. Our whole job is to make sure your next project is never waiting on a closing disclosure.Sergio & Christine TapiaFunded by Tapia · Replace with a verified client review before launch
Tell us about your build, refinance, or acquisition. We'll map the right program and move it to a clean close.
I don't just clear loans; I build financial architecture for real estate scale. As an active investor managing luxury spec builds, ground-up construction, and lot splits, I view leverage through the lens of an operator — not a transactional lender.
In real estate and mortgage lending, speed and certainty are everything. Strategies are built on paper, but files are won in execution. As a top-producing Senior Processor, I make sure complex capital structures move seamlessly from application to clear-to-close.
