Raul Ramirez

I am a private/hard money lender located in the Inland Empire. I lend on non-owner occupied residential, commercial and land for investment purposes. I also lend on owner-occupied residential for consumer purpose (private money 30 year loan). I lend based on the After Repair Value (ARV) for fix-n-flips and current value (as-is) for rental properties. In some cases we might be able to lend 100% of a fix-n-flip project. My rates start at 6.75% and the minimum down payment is only 10%. You can visit my website at www.spinnakerloans.com.