Meet Your Broker
Strategy, programs, and a direct line to your lending partner — all in one place.
Your Partner in High-Leverage Investing
Hard Money Broker · 100% Fix & Flip · DSCR · Ground-Up · Nationwide
I'm a specialized hard money broker helping real estate investors across 47 states access the highest-leverage capital available — from 100% Fix & Flip financing to DSCR rental loans that don't require a W2 or tax return.
I work directly with lenders offering 90% LTC Construction Loans (horizontal & vertical), DSCR Loans with no minimum DSCR or FICO, and Multifamily Bridge up to $10M — programs most brokers don't even know exist.
No income docs. No interest reserves. No experience requirements. Submit your deal and I'll return a custom quote — usually same day.
100% Fix & Flip Financing — How It Works
ACA offers 100% of purchase + rehab financing on Fix & Flip projects nationwide — not to exceed an ARV cap based on your credit score. No income verification, no interest reserves, no experience required. Min 650 FICO. The two key compensating factors are liquidity and experience. Minimum reserves = closing costs + 25% of rehab budget.
90% LTC Ground-Up Construction — Horizontal & Vertical
ACA finances both horizontal (land development, infrastructure) and vertical (stick-frame construction) new builds at 90% LTC nationwide. No experience required. No income docs. Min 650 FICO. Borrower must be within 100 miles of the property. Funds released via draw schedule as milestones are verified. Key exit: build, lease, then refi into a 30-year DSCR rental.
DSCR with No Minimum — The Low Cash Flow Play
Unlike most lenders, ACA's DSCR program has no minimum DSCR ratio and no minimum FICO. Low or sub-1.0 DSCR deals are welcome — a higher rate applies. This opens doors in appreciation-heavy markets where properties don't pencil on cash flow alone. Combine with the interest-only option (10yr I/O, then 20yr amortized) to minimize monthly payments.
DSCR: Vacant Properties, STRs & Non-Warrantable Condos
ACA's DSCR program allows refinances on vacant properties — no tenant required at closing. Short-term rental income (Airbnb/VRBO) is accepted via AirDNA projections. Foreign nationals are welcome. Non-warrantable condos and rural properties qualify up to 75% LTV. Zero origination point options available on select scenarios.
Multifamily Bridge: $75K to $10M — Acquire & Stabilize
ACA's multifamily bridge program covers 2–20 unit properties, mixed-use, condos, and townhomes from $75K to $10M across 47 states. 12–24 month terms. Purchase up to 80% LTV, Refi up to 75%, Cash-Out up to 70%. 660 min FICO, no experience required. Key play: acquire a value-add property, stabilize rents, then exit into a long-term DSCR or agency product.
Cash-Out Refi — Unlock Equity Without Selling
ACA's cash-out refi program lets investors pull equity from stabilized investment properties. 70% LTV for 650–699 FICO, 75% LTV for 700+ FICO. No seasoning on renovated properties — use current appraised value immediately. Use proceeds for any investment purpose: next acquisition, rehab budget, or portfolio expansion.
The Build-to-Rent Play: Ground-Up → DSCR
Investors in high-growth markets are executing a 3-step play: Use 90% LTC ground-up construction loans to build, lease to tenants, then cash-out refi into a 30-year DSCR loan. This creates a stabilized rental portfolio with minimal equity out of pocket. Works in military towns, suburban growth corridors, and any market with strong rental demand.
Short-Term Rental Income & AirDNA Underwriting
For vacation rental markets (coastal cities, mountain towns, tourist destinations), ACA accepts short-term rental income projections using AirDNA data for DSCR qualification. This allows investors to underwrite Airbnb/VRBO cash flows without 12-month operating history. Available in markets across 47 states.
LTV Stacking — Finance Your Closing Costs
DSCR investors can roll closing costs into the loan amount by structuring the purchase price above actual acquisition cost. By building fees into the contracted price, borrowers recover lender fees through leverage — keeping more liquid capital available for future acquisitions. Preserves cash for the next deal.