Joey Zaniboni

Investor, Senior Account Executive at CV3 Financial Services (NMLS# 1461077), and student of the real estate game. CV3 lends on non-owner occupied residential (1-4 unit) investment properties. We offer purchase loans, renovation loans (including mid-renovation/construction) and rental property loans. The states we lend in can be found here: https://cv3financial.com/where-we-lend/ Program highlights: • Close in 10-12 business days • Cash out refinances up to 80% LTV • Up to 85% of purchase and 100% of rehab costs on renovation projects • For loans less than $1.5M, our loans are non-recourse (no personal guarantee required) • We can close in the name of an individual or in an LLC • Rates start at 10.5%, interest only for bridge/fix & flip, and 7.75% for rental • 2 months bank statements is the only income/asset documentation we collect – no tax returns, W2’s or paystubs • Gift funds are allowed for down payment and closing costs • We allow seller carry-back loans up to 90% CLTV • Minimum loan amount is $100,000, maximum is $5,000,000 • The only fee up-front is for an appraisal • We are very broker friendly and our points range from 1%-2% depending on the property characteristics If you have a scenario to discuss, please visit my website at https://joezaniboni.civicfs.com or contact me directly at (760) 994-6693 or at [email protected] Hobbies: reading, jiu jitsu, running, gravel cycling, snowboarding, camping, live music, guitar, hanging with my 2 little girls, and all things real estate & personal finance