Futures Funding Inc. helps real estate investors fund fix-and-flips, rentals, and new construction with hard money and DSCR loans built for speed. We're a brokerage, not a single lender, which means one application gets your deal in front of multiple capital sources competing for your business.
Whether you're flipping your first property or scaling a portfolio, we structure financing around the deal: purchase + rehab, cash-out refis, bridge-to-DSCR, and ground-up. Straight answers (if the deal doesn't work we will tell you, not string you along an shop), and fast closings.
**Schedule Strategy Call - www.bpinvestorteam.com or 888-343-1043
BiggerPockets own Tony J. Robinson, Rent To Retirement, and Amanda Han’s preferred lender and we have helped thousands of real estate investors over the past 20 years.
BiggerPockets RE Podcast Episodes 1163, 943 & 939 and BiggerPockets Rookie Show Episodes 588 & 409
**We're hiring!! Call 888-343-1043**
Specializing in strategic planning for real estate investors.
Conventional and non-conventional lending experts.
Lending nationwide (except NY).
Very fast closing 10-21 day closings so you can compete with all cash offers.
Primary residence loan options:
- 3% down Fannie Mae 1 unit
- 5% down Fannie Mae 2-4 units
- Up to 105% financing with down payment assistance up to 2 units
- Conventional, FHA, VA & USDA loan options available
Second home loan options:
- Conventional and non-conventional - 10%
down, 660 minimum FICO
Investment property loan options:
- Conventional and non-conventional - 15%
down, 680 minimum FICO
DSCR:
- Purchases up to 85% LTV using LTR analysis, 720 minimum FICO
- Purchases up to 80% LTV using STR, MTR or LTR analysis, 620 minimum FICO
- Rate & Term refinance - up to 80% LTV using the STR, MTR or LTR analysis – 620 minimum FICO
- Cash out refinance up to 75% LTV using the
STR, MTR or LTR analysis – 620 minimum FICO
Business bank statement loan:
- 12-24 months business or personal bank
statements instead of your tax returns for
qualification
Asset qualifier loan:
- Little to no documentable income allowed
- Assets can be used in combination with
other income sources for qualification
- Minimum 200,000+ in assets on top of your
down payment and 6 months reserves
With 10 years of experience in the mortgage industry, I specialize in crafting unique strategies that align with your investing goals. My expertise spans across a comprehensive range of mortgage products, including conventional, DSCR, NonQM, commercial, and SBA loans, ensuring a perfect fit for your financial narrative. I am also an accredited Certified Mortgage Advisor. With a profound grasp of financing methods, I'm here to navigate the complex mortgage landscape, transforming challenges into seamless solutions.
We can lend nationally and close in as quick as 7 days with 90% of the purchase price and up to 100% of the rehab amount! We specially in fix-and-flip loans, new construction loans for ground up development, and DSCR loans for refinances and purchases. If you want the most competitive pricing available, fast closings, and a lender who knows your business model, we can provide that!
I specialize in short-term rental financing, non-QM loans, and creative lending solutions for real estate investors across several states. I help self-employed borrowers and portfolio investors explore financing when traditional income documentation or debt-to-income limits restrict their options.
My services include DSCR rental loans, bank-statement and 1099 programs, cash-out refinancing, bridge loans, fix-and-flip financing, and ground-up construction. I evaluate each deal’s cash flow, equity, liquidity, and exit strategy to help match the financing to your investment goals.
As a third-generation real estate professional, U.S. veteran, and MBA with a background in construction and mortgage operations, I bring practical experience and straightforward communication to complex deals.
Alexa Kemp, MBA | NMLS #1990457
@alexafundsit | [email protected]
Sunflower Bank Mortgage Lending offers a large variety of mortgage products catered to the seasoned investor to first time buyers and everything in between. Whether you're buying your first home, refinancing, or exploring investment opportunities, I am here to guide you every step of the way. We proudly partner with homeowners, real estate professionals, builders, and appraisers to make the financing process seamless and personalized.
I specialize in helping homebuyers and real estate investors secure the right financing—whether it’s a conventional purchase, refinance, VA loan, or DSCR investment property. My focus is on speed, clarity, and structuring deals that actually help you build long-term wealth.
I work closely with investors at all levels, from first-time buyers to experienced portfolio builders, providing tailored loan solutions and transparent guidance every step of the way. If you’re looking for a reliable lending partner who understands both financing and strategy, I’m here to help you close with confidence.
27 years in mortgage lending and over $1.3 billion in funded loans, from wholesale to retail, across Conventional, FHA, VA, Non-QM, DSCR, hard money, residential and commercial. As a national broker with 300+ lenders and channels, I match your deal to the lender built for it, instead of forcing it into one company's box.
Who I work with:
- Investors buying their first rental or their fifteenth
- Owner occupants using Conventional, FHA, or VA to house hack or buy a primary
- Self employed borrowers and entity buyers who need bank statement, DSCR, or asset based options
- Agents and referral partners who want one call for both standard and hard to place files
Loan programs:
- Conventional, FHA, VA, Jumbo
- DSCR and non owner occupied rental loans, including LLC vesting
- Non-QM: bank statement, P&L, asset depletion, interest only, 40 year terms
- Hard money and bridge for fix and flip, BRRRR, and quick close situations
- HELOCs and cash out refinances to fund the next purchase
- Commercial and multifamily (5+ units), mixed use
- ITIN, foreign national, and other niche programs
How I work:
- Every file gets a structuring review first. We look at the property, the ownership, and the exit before we pick the program.
- One point of contact from first call to funding. My team and I handle the lender side so you and your agent can focus on the deal.
- Clear answers on what works, what does not, and what it takes to get there. No surprises at closing.
- Available to investors and homebuyers in the multiple states where I am licensed for owner occupied loans, and nationally on business purpose and DSCR files where allowed.
ATZI Advisory arranges debt for commercial real estate owners, sponsors and developers in the $1M to $20M range. We are not a lender. We are the party that knows where the money actually is, what each lender will genuinely fund this quarter, and how to move a file from application to closing without it stalling. We structure your deal, match it to the right lender from a network of 100+ capital sources, and manage it through to closing. Bridge, hard money, construction and conventional debt.
Purchase plus rehab in one facility, drawn in stages as the work is signed off.
How to find a lender in Massachusetts
Use the BiggerPockets Lender Finder to match with lenders who fund the kind of deal you are doing in Massachusetts
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 Massachusetts 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.
