I have closed Over $ 600 Million Real Estate Loans - loans to $ 25 Million. I Specialize are High Net Worth Individuals / Real Estate Investors / DSCR loans / Business Owners w/ Complex Tax returns / 12 Months Bank Statements / Asset Loans / Cross Colleterial. 29 Years Mortgage Broker & Banker. Retired CA Real Estate Appraiser / Retired Underwriter / Business School Accountancy Degree / Commercial Property Owner
Mortgage made easy through speed, low cost and exceptional service. We have loan options for all types of scenarios.
We have 4.9 starts rating with Google.
We specialize in DSCR, Investment Loans and all non traditional income loans.
I help real estate investors finance opportunities that do not always fit the usual box. I specialize in DSCR loans, creative investor financing solutions, and lending for both short-term and long-term rental properties.
Whether you are building a portfolio, buying your first investment property, or looking for a smarter way to qualify, I can help you explore options that align with your strategy and cash flow goals. I work with investors who want flexible solutions, clear guidance, and financing built around real-world investment scenarios.
I've been in mortgage lending since 1992, and I'm also an active short-term rental investor myself, so I understand investing from both sides of the table. I offer conventional, non-QM, DSCR, 1-4 family, and 5+ unit financing for short and long term rental properties, lending in all 50 states. Because I invest myself, I understand cash flow, seasonality, and underwriting nuances.
Our loan products are built for how investors actually operate: long-term rentals, short-term rentals, BRRRR refinances, multi-family, and LLC-vested properties. Whether you’re closing on your first rental or your 100th, we move fast, structure flexibly, and treat every deal like the investment it is.
Real Estate Investor, Military Veteran, and Mortgage Loan Originator. Whether you are buying your first house hack or building a 500-unit apartment complex, I am a valuable asset to your portfolio and have access to products and knowledge that can take your business to the next level. I am tired of seeing slimy loan officers take advantage of veterans and consumers in the mortgage industry, and I want to educate and help as many people as I can with real value. Let's chat!
My track record of execution, product diversity, and experience enables us to offer greater flexibility and underwriting efficiency compared to a typical bank or lender. In addition to traditional lending, I have access to preferred pricing and underwriting from private lenders, debt funds, community banks, credit unions, regional banks, REITs, life insurance companies, internal correspondent lines of credit, and other agency/non-agency debt sources.
Griffin Funding, Inc. is a national mortgage company that works with Veterans, Self-Employed, and Real Estate Investors. We specialize in VA Home Loans for active duty military and veterans, Bank Statement Loans for the self-employed, and DSCR loans for real estate investors. We are in the business of helping our clients achieve and maintain the American dream of homeownership.
Griffin Funding is a fully-digital direct lender with the ability to also broker loans. Our team leverages cutting-edge technology to originate loans that meet your particular needs. Although we specialize in VA Loans, Bank Statement Loans, and DSCR Loans, we offer a wide array of loan and advising services. Contact Griffin Funding today to access top-tier customer service and highly competitive interest rates.
Empowering investors to build wealth through strategic real estate opportunities! With my personal investing experience and the collective insights from successful investor clients, we help you maximize returns and grow your portfolio in the most cost-efficient and stress-free way possible. Whether you’re seeking a house hack, short- or long-term rentals, or refinancing debt, I provide tailored guidance to achieve your goals. Let’s turn real estate into your most powerful investment tool!
LendFriend Mortgage is a mortgage brokerage that helps real estate investors, business owners, self-employed borrowers, and high-net-worth clients secure financing when traditional bank guidelines do not fit their financial profile.
Our primary focus is Non-QM lending. We work with borrowers who may have strong income, assets, credit, and real estate experience but do not qualify through a standard W-2 underwriting process. By comparing programs across more than 40 wholesale lenders, we can structure financing around the borrower’s actual financial position instead of forcing every loan into one set of bank guidelines.
Many of our clients are real estate investors purchasing short-term or long-term rentals, expanding an existing portfolio, or refinancing properties to access equity for their next investment. We also work with self-employed borrowers using personal or business bank statements, investors qualifying through rental income with DSCR loans, and high-net-worth borrowers using asset depletion or other alternative income documentation.
LendFriend Mortgage offers DSCR loans, bank statement mortgages, profit-and-loss loans, asset depletion programs, jumbo loans, portfolio financing, and other Non-QM solutions, along with conventional, FHA, and VA loans for purchases, refinances, and cash-out transactions.
We understand that experienced investors care about more than whether a loan fits a conventional underwriting box. Leverage, cash flow, reserves, closing speed, prepayment penalties, and the ability to scale all matter. Our team helps clients compare those variables and choose a loan structure that supports both the current transaction and their broader investment strategy.
LendFriend Mortgage is headquartered in Austin, Texas, and works with borrowers and investors across multiple states.
Not Your Traditional Mortgage
No tax returns. No W-2s. No traditional employment required. Real estate investors, self-employed borrowers, and high-net-worth individuals: this is your lender. No-Income Verification Home... Loan Rental Income Loan (1–8 Units) ...Deposit-Based Loan...Asset-Based Loans...Super Jumbo & Elite Mortgage Loans
Qualify on the property's rental income rather than your own. Common for buy-and-hold investors with several properties or self-employed income.
Hard money
Short-term, asset-backed, funded in days rather than weeks. Used for flips and deals that cannot wait for conventional underwriting.
Fix-and-flip loans
Purchase plus rehab in one facility, drawn in stages as the work is signed off.
How to find a lender in California
Use the BiggerPockets Lender Finder to match with lenders who fund the kind of deal you are doing in California
Ask in the BiggerPockets forums, where investors name the lenders they have actually closed with
Check the NMLS number on any lender before you share financial details
Attend a local California meetup and ask who other investors use
Investment property financing, explained
What is a portfolio loan?
A portfolio loan is one the lender keeps on its own books instead of selling it to Fannie Mae or Freddie Mac, so the lender sets its own rules. That makes portfolio lenders, often local banks and credit unions, a fit for investors past the 10 financed property cap on conventional loans or with properties that fall outside standard guidelines.
