There is nothing better than serving my community all while creating relationships with others along the way! I jumped into real estate head first while attending The University of Central Arkansas - majoring in Interior Design. I started off by assisting my clients with remodels and vastly progressed into selling residential homes and large apartment complexes. Although I am new to the investing world, I have learned so much already and continuing to apply my knowledge while making a difference is my #1 priority!

I've lived in Northern Colorado since 2011 and started in real estate in 2017. I primarily work as an agent, but I also own several rental properties and am hoping to continually grow my portfolio. I enjoy helping people buy, sell, and invest in real estate, and just want to serve clients well.

Jake Garay is one of the most effective, top-performing and highly respected real estate brokers in the Hudson Valley. A leader in luxury and investment real estate, Jake is a dynamic force in the Hudson Valley real estate market. Drawing from his previous experience in both construction and design, Jake presents a unique blend of knowledge, experience, and skill in assisting his clientele. After refining his skills as a solo agent, Jake joined The Blake Michaud Team in 2019, and in 2023, partnered with Blake Michaud to form The Garay-Michaud Team, a full-service, multi-faceted real estate team that is an extension of Berkshire Hathaway HomeServices. Over the last several years, The Garay-Michaud Team has dominated the real estate industry, consistently ranked as one of the top 20 Berkshire Hathaway teams in the world, assisting their clients in 165 transactions totaling over $75 Million in closed sales in 2022. Jake's passion for real estate shines through his relentless work ethic and love for his clients. He is sought out for his real estate expertise and guidance from top investors and developers from around the country. His insider’s knowledge of New York's ever-changing real estate and economic markets and affinity to serve have quickly made him an industry recognized name. Jake has earned his reputation as a client first, forward thinking broker through his uncompromising professionalism and dedication to success.

Prior active duty Air Force and left my full time career to pursue my passion of real estate investing and sales. Certified real estate agent in North Carolina. I want to help others achieve financial freedom through real estate investing or just find a home to meet their needs. I want to show and teach others that if a poor kid from the Bronx could build wealth than anyone can do it. Love to learn but I am the type of person who learns best through action. My strategy has been buying multi-family homes and owner occupying them while also adding value through renovations. I own over $1.9 Million in assets and seeking opportunities to grow my business and partner with others who are striving to attain financial freedom. My long term goal is build a real estate investing business and acquire 500 doors by 2032.

Real estate investor/Entrepreneur! I focus on both residential and commercial real estate in and out of California. Portfolio asset manager for Evolution Property Management & Investments currently with 91 units. I pride myself and my companies successes on being relationship-based companies. I am looking for long-term business relationships. If you are an agent, wholesaler, investor, or seller, feel free to reach out to me and let me know how I can best serve you. "Life doesn't get better by chance, it gets better with change" -Jim Rohn Combat Search & Rescue Vet turned Real Estate Investor/Agent. Background in Mortgage Loans and looking to further progress and expansion! Bought 5 units in 6 months and currently have 8 in San Diego, CA, and Ft Lauderdale, FL. I have a goal for the next 16 months to make $100k per month in passive rental income. Follow/Join me to build with my team and myself! I'm always looking to join forces and grow as quickly and efficiently as possible!

Ryan Cretens is a high-powered individual whose journey has taken him from Zebulon, North Carolina, to Savannah, GA in February 2021, and more recently to Richmond Hill, GA in the Summer of 2023. Ryan's life has been defined by his involvement in competitive sports, his passion for community service, and a diverse range of professional corporate experiences. With a remarkable background as a NCAA Division I Soccer Goalkeeper for the University of North Carolina Wilmington, Ryan showcased his dedication, discipline, and prowess on and off the field. His journey in soccer didn't stop there; in 2019, he had a short stint as a professional soccer player with North Carolina FC. Soon after hanging up the cleats and gloves, Ryan became committed to making a positive impact in the community. As the founder of Kwirkz, a 501c3 non-profit organization, he is on a mission to create a more inclusive and connected world for the special needs community. Through Kwirkz, he strives to provide social and professional networking opportunities, empowering individuals to thrive and connect. In addition to his non-profit work, Ryan is involved in youth soccer coaching, sharing his expertise and love for the game with the next generation. He is fulfilled by inspiring and mentoring young athletes, instilling in them the same values and skills that have driven his own success. Ryan gained a wealth of experience in various roles in sales, marketing, property management and construction. These diverse experiences have equipped him with valuable skills and insights that he brings to his real estate career, ensuring that his clients receive exceptional service and guidance. When he's not working tirelessly on his non-profit, coaching youth soccer, investing in rental property or helping clients find their dream homes, Ryan enjoys his downtime by spending quality time with loved ones, frequenting the beautiful Tybee Island and perfecting his golf game. These moments of relaxation and leisure serve as a well-deserved balance to his active and purpose-driven life.

NON-QM LOANS, HARD MONEY, PRIVATE LOANS, BRIDGE LOANS, DSCR AND NO-DSCR LOANS, FOREIGN NATIONAL PRIVATE LENDING, NON- WARRANTABLE CONDO'S & INVESTOR FRIENDLY. FOREIGN NATIONAL BORROWERS PROGRAM: Highlights include: •Maximum loan amounts up to $8 million (call us to learn more) •Long term programs available •No prepayment penalty available •Up to 80% LTV available ITIN WITHOUT EMPLOYMENT AUTHORIZATION PROGRAM: •75 LTV purchase / 70 LTV rate and term / •65 LTV cash out ITIN WITH EMPLOYMENT AUTHORIZATION PROGRAM: •90 LTV max •Up to 55 DTI •Loan amounts between $100k and $5mm Property Type, SFR, Condo, Townhouse, 2-4 unit, Condotel, non-warrantable condos with no condo questionnaire Term - 30 year fixed; 10 year I/O available DEBT TO SERVICE COVERAGE RATION PROGRAMS: •No income verified •Foreign Nationals welcomed •Non-warrantable condos NO DEBT TO SERVICE COVERAGE RATION PROGRAMS: •No rental surveys •First time home buyers •Condotels BRIDGE LOANS: •Up-to 60 months •Jumbo loans up to $8 million •FICOS as low as 350 (where applicable) •No appraisal options OWNER OCCUPIED PROGRAM: Program highlights include: •FICO scores as low as 350 (where available) •Flexible income doc options •Loan amounts between $100k and $5mm •Up to 90% LTV •Available for primary and second homes •ITIN with or without employment authorization •Up to 55 DTI •Property Type, SFR, Condo, Townhouse, 2-4 unit, Condotel, non-warrantable condos with no condo questionnaire •Term - 30 year fixed; 10 year I/O available SELF EMPLOYED BORROWERS: Qualify your self-employed clients for a loan, even with less than perfect credit. We offer: Loans up to $5,000,000 FICO Scores as low as 350 accepted (where available) LTV’s up to 90% Loans Over $8 million Excepted On Case By Case With Lower LTV’s. COME TO ATHAS FOR ALL YOUR NONE-QM PRODUCTS.

We are a family owned Real Estate brokerage founded in 2001. We pride ourselves on the quality of service we offer to our clients in the central Illinois area. Along with assisting buyers and sellers with their real estate needs we are also investors ourselves and bring this knowledge to our clients.