Chris Mason

NMLS 1220177 - I do residential 1-4 unit property mortgages in California and Washington, and commercial real estate loans nationwide. CA DRE 02080854 (I'm not a Realtor & don't do Realtor things) www.eastbaysmortgagebroker.com - Serving all of California, but that URL is great copy for the first time homebuyers local to me. ***ALL PRE-COVID-19 POSTS ON THESE FORUMS ABOUT MORTGAGE GUIDELINES, ETC, ARE OBSOLETE, AND SHOULD NOT BE RELIED UPON EXCEPT FOR HISTORICAL ANALYSIS. Book a time to chat about what the CURRENT reality is here --> www.calendly.com/ebmb 30YF & a good interest rate. I am not a hard money lender. But, I'll keep you out of one if it's at all possible! :) Get the Ultimate California Mortgage Cell Phone App, or refer me to someone you care about that is buying/refinancing in California: http://cmason.mortgagemapp.com/ Experience: Rockstar real estate agent Robert Musallam and I discussing Value Bombs on his "Home Schooled" podcast: https://soundcloud.com/homeschooledpodcast/value-bombs-creative-lending-with-chris-mason "BRRRR Strategy really works! Even in the Bay Area!" - https://www.biggerpockets.com/forums/223/topics/429535-brrrr-strategy-really-works-even-in-the-bay-area "Wholesale deal. Traditional mortgage. *100% BPers.*" - https://www.biggerpockets.com/forums/223/topics/315017-first-wholesale-deal-traditional-mortgage-100-bpers "How To Pitch Private Funding *OR* How To Put $30k to work in RE" - https://www.biggerpockets.com/blogs/9563/55314-how-to-pitch-private-funding-or-how-to-put-30k-to-work-in-re "I saved $10K. What are some realistic options?" - Getting your foot in the door with furnished rentals - https://www.biggerpockets.com/forums/311/topics/405950-i-saved-10k-what-are-some-realistic-options?page=1#p2548975 "VA Loan for 2-4 units, what you need to know. Active or EAS'd." - https://www.biggerpockets.com/forums/834/topics/397510-va-loan-for-2-4-units-what-you-need-to-know-active-or-easd - AirBnB income as mortgage-qualifying income - Check, done, a couple times. - LGBT-friendly, to include non-gender-binary title vesting for trans persons & non-monogamous 3+ unmarried persons on the mortgage and on title - Check, done, many times. - Rental income is mortgage-qualifying income, even if from a property you do not yet own & it does not appear on your tax returns yet - Check, done, everyday. - Cash out refinances for people that own up to 10 financed properties - Check, done, a bunch of times. - Helping new real estate agents NOT be part of that 80% of new agents that throw in the towel, fail, and quit, within 24 months? - Check, done, many times. - 95% LTV, 2-4 unit, non-FHA? - You had better believe it! - Income tax returns in German?! - Yeah, I did that once. With the help of Google Translate. They had established US credit. "How do I count rental income from the SFR w/ a granny unit I am buying?" - https://www.biggerpockets.com/forums/49-private-conventional-lending-discussion/topics/463382-fha-house-hack-mother-in-law The unique solution to your unique scenario that I come up with, to keep it in Agency 30YF, clearly, will be specifically tailored to you. I do not care that 5 other MLOs have already told you "no," the answer isn't actually "no" until you have spoken with me, and you have an opportunity to skip wasting a lot of your valuable time by starting with me. Get the Ultimate California Mortgage Cell Phone App, or refer me to someone you care about that is buying or refinancing in California: http://cmason.mortgagemapp.com/ Real Estate Goals: - Help you accomplish yours. Call me to discuss. - Ensure that 45 minutes on the phone with me is the equivalent of six months of online internet research. Unlike the last lender you spoke with, I show you my math. Reminder that my license is only good for Best Coast real estate. You can physically be wherever you want, but the real estate you want me to lend on must be on West Coast. NMLS # 1220177. Currently Seeking: - Real estate investors that want to know about "rental income is mortgage qualifying income, even before it appears on tax returns." - A B2B salesperson that wants to earn mid six figures next year. - Growth-focused real estate agents. I have room on my roster for three more full-time real estate agents, that's it. - Persons with more than $50k to invest in real estate, that want in the game, in the Bay Area, without that $50k being a down payment constraining factor. - General contractors that want to grow. Fast. - People on an IRS Form K-1 that have complicated tax returns. - Real estate agents that want their retail clients to be able to confidently write offers free of any financing contingency. - Someone that can convince my spousal unit that it's OK to both work in real estate, and be a real estate investor, at the same time. - Real estate investors that want to become millionaires. - Small to mid-sized businesses that want to save their employees thousands of dollars when they purchase or refinance a home, at no cost to the business. - Networking opportunities within a 30 minute drive of my office in the East Bay.