Business Page
Rate Hero
Lender
4.8 stars
956 Reviews
Markets served
Nationwide
Except the following states:
New York
Vermont
Nationwide
Except the following states:
New York
Vermont
Licenses
Company NMLS
#2822806
Additional info available at the
NMLS consumer access website
Additional Licenses & Information
1252107
About us
Rate Hero | Let the home qualify itself. Built for investors who don’t fit inside a bank’s box. At Rate Hero, we help real estate investors, entrepreneurs, and self-employed borrowers secure financing based on the deal, not just a traditional income checklist. Whether you’re buying your first rental, refinancing out of hard money, pulling cash out to scale, or qualifying through DSCR, bank statements, or CPA-prepared P&Ls, we structure loans around how investors actually move. Fast deals. Creative structures. Real lending strategy. ⚡ DSCR Loans for first-time and seasoned investors ⚡ No-Ratio and Investor Cash Flow Loans ⚡ Bank Statement Loans ⚡ CPA P&L Loans ⚡ FHA, Conventional, and VA Loans and Refinances ⚡ Cash-Out Refinances for Investment and Primary Properties ⚡ Interest-Only and Asset-Based Loan Options ⚡ Second Mortgages and HELOC Options ⚡ Creative Financing for LLCs, Trusts, Corporations, and Complex Ownership Structures Our goal is simple: make financing faster, clearer, and more strategic for investors who are buying, refinancing, scaling, or restructuring. Financing built around the way investors actually move.
Specialties
Conventional & Gov.
Refinance (investment)
Conventional Rental Loan
VA Loan
Conventional Loan
Home Equity (primary home)
Refinance (primary home)
FHA
Hard/Private/Non-QM
Home Equity (investment)
DSCR (long-term rental)
DSCR (short-term rental)
Balance Sheet Loan
Foreign National Loan
Refinance (investment)
Reviews (956)
4.8 stars
956 Reviews
4.8 stars
956 Reviews
0.0 star
0 Reviews
1.0 star
a week ago
Reviewed by
Marc jacobi
Absolutely toxic and unholy place. I am pretty sure there is serious fraud going on here. If you are a borrower do not get a mortgage here! You will be charged an insane amount in interest and fees. While these lenders and your broker make a killing by reaching into your pocket. This is predatory lending at it's finest.
If you are a broker do not do business with these clowns. Most of the people working here are in their 20's. And the CEO of this company is a tattooed Armenian guy who drives a Lambo and shouts profanities every 10 seconds.
They say not to judge a book by it's cover but cmon..
If you like underwriters putting insane conditions on your loans, and adding conditions at the last minute days before closing come here.
If you like to be ghosted days before closing come here.
If you like protecting your reputation as a broker with your clients do not use these people. They will promise you the world and cancel funding at the last minute and ghost you.
Causing people to lose earnest money deposits.
I am not making this up, the people that run this place have less morals than the people in the wolf of wall street movie. There is actually a poster of the wolf of wall street in the office.
If you are religious or follow the bible at all, do not do business with these unholy people for the love of God!
1.0 star
4 months ago
Reviewed by
Mr. DuQue
AVOID THIS COMPANY, from the very first phone call, they sounded sketchy, but we gave them a chance. During the loan process, my sister found a significantly better offer elsewhere. The loan officer couldn't match it and, instead of being professional, tried to get her to change her mind by talking down the competing company—which is ironic, considering how much worse their own behavior turned out to be. Once she chose to go with the better offer, they completely refused to cooperate. They wouldn't handle the necessary transition work for her or the new company and actively refused to release the appraisal report that my sister had already paid for. We have filed a formal complaint with the banking regulatory authorities.
5.0 stars
8 months ago
Reviewed by
Sam Yedigaryan
Sean Davoodian made our DSCR loan process incredibly smooth from start to finish. He moved fast, communicated clearly, and stayed on top of every detail the entire time. Any potential hiccup was handled before it even became an issue. If you want someone reliable, sharp, and efficient on mortgages, Sean is your guy.
5.0 stars
8 months ago
Reviewed by
Roan Latch
Had a really good experience working with Sean. I’m newer to investing and hag a lot of questions going into my purchase, and Sean was always cool about taking the time to explain things and make sure I understood what was going on. The process was way smoother than I expected, communication was easy, and I never felt pressured at any point. Pricing was pretty solid compared to other options I looked at, which definitely mattered to me. Overall, they were super helpful and easy to work with, especially for someone still learning the investing side of things. I’d definitely recommend Cake and I’m looking forward to working with them again down the road.
5.0 stars
11 months ago
Reviewed by
Chris Nargizyan
Refinanced my home with Sean and the Cake team got a great rate and closed earlier than expected. Their communication and attention to detail made all the difference. Highly recommend!
1.0 star
a week ago
Reviewed by
Marc jacobi
Absolutely toxic and unholy place. I am pretty sure there is serious fraud going on here. If you are a borrower do not get a mortgage here! You will be charged an insane amount in interest and fees. While these lenders and your broker make a killing by reaching into your pocket. This is predatory lending at it's finest.
If you are a broker do not do business with these clowns. Most of the people working here are in their 20's. And the CEO of this company is a tattooed Armenian guy who drives a Lambo and shouts profanities every 10 seconds.
They say not to judge a book by it's cover but cmon..
If you like underwriters putting insane conditions on your loans, and adding conditions at the last minute days before closing come here.
If you like to be ghosted days before closing come here.
If you like protecting your reputation as a broker with your clients do not use these people. They will promise you the world and cancel funding at the last minute and ghost you.
Causing people to lose earnest money deposits.
I am not making this up, the people that run this place have less morals than the people in the wolf of wall street movie. There is actually a poster of the wolf of wall street in the office.
If you are religious or follow the bible at all, do not do business with these unholy people for the love of God!
1.0 star
4 months ago
Reviewed by
Mr. DuQue
AVOID THIS COMPANY, from the very first phone call, they sounded sketchy, but we gave them a chance. During the loan process, my sister found a significantly better offer elsewhere. The loan officer couldn't match it and, instead of being professional, tried to get her to change her mind by talking down the competing company—which is ironic, considering how much worse their own behavior turned out to be. Once she chose to go with the better offer, they completely refused to cooperate. They wouldn't handle the necessary transition work for her or the new company and actively refused to release the appraisal report that my sister had already paid for. We have filed a formal complaint with the banking regulatory authorities.
5.0 stars
8 months ago
Reviewed by
Sam Yedigaryan
Sean Davoodian made our DSCR loan process incredibly smooth from start to finish. He moved fast, communicated clearly, and stayed on top of every detail the entire time. Any potential hiccup was handled before it even became an issue. If you want someone reliable, sharp, and efficient on mortgages, Sean is your guy.
5.0 stars
8 months ago
Reviewed by
Roan Latch
Had a really good experience working with Sean. I’m newer to investing and hag a lot of questions going into my purchase, and Sean was always cool about taking the time to explain things and make sure I understood what was going on. The process was way smoother than I expected, communication was easy, and I never felt pressured at any point. Pricing was pretty solid compared to other options I looked at, which definitely mattered to me. Overall, they were super helpful and easy to work with, especially for someone still learning the investing side of things. I’d definitely recommend Cake and I’m looking forward to working with them again down the road.
5.0 stars
11 months ago
Reviewed by
Chris Nargizyan
Refinanced my home with Sean and the Cake team got a great rate and closed earlier than expected. Their communication and attention to detail made all the difference. Highly recommend!