Expand Your Portfolio Without Personal Income

Industry-Leading private money & dscr loans

No tax returns, no DTI calculations – just faster closings and greater opportunities.

What kind of loan do you need? *

What type of loan are you looking for? *If you aren't sure... that's okay! Keep going and we will provide some options when we send you a quote / term sheet.

What kind of property are you financing? *We finance 1-4 units per tax parcel. Be sure to request a quote for each tax parcel!

What is the full street address including city and state? *

We need this information to ensure the street is acceptable for lending.

When do you need to close escrow? *

Within 30 days

31-60 days

61-90 days

90+ days

If this is a purchase or there is a maturity date, what day?

What is the purchase price, as applicable.

$

For purchases

What is the loan payoff, as applicable.

$

For refinances

Is the property vacant or tenant occupied? *

What is the condition of the property?

What is the current appraisal value, AS IS? *

You can search Zillow for similiar sold properties within 1 mile in the last 1 year.

What is your exit strategy? *

Sell

Refinance

Hold

What is the requested loan amount? *

An estimate is fine

What is the annual insurance premium? *

An estimate is fine

For Rentals, what are the long term market rents?

You can check Rent-O-Meter.com or Zillow

For Rentals, how many leases will you supply?

None, 1,2,3,4,5,6

For Short Term Rentals, do you have a 12 month ledger and what are the annual rents?

Income for last 12 months

For Flips or New Construction: What is the BUDGET/SOW?

For Flips and New Construction: What is the AFTER REPAIR VALUE?

For New Construction, do you have a survey?

Boundary survey, yes or no

Stamped plans?

Permits are ready to be pulled?

How many partners are in this deal? *

We allow up to 6 partners on the operating agreement

What are the credit scores for the partners? *

You can pull from creditkarma.com if needed

Do you or any partners live within 100 miles of the property? *

Yes

No

How many rentals do the partners currently own? *

Must have 20% ownership or more.

What is the total value of liquid assets held by the partners? *

Cash plus 50% of retirement accounts - that you can verify or deposit to escrow

Do you have an LLC, LP or Corporation? *

Yes

No

I need one

New companies are welcome

What is the name of your LLC or company? *

What is the name of the person with the best credit score? *

Do you already have a quote?

No

Yes

If yes, what's the rate and points?

Do you need a Proof of Funds Letter?

What is the name of your Friend or Affiliate?

Your Full Name *

Your Email *

Your Phone *

We will email you the term sheet and call to follow up on receipt. I Consent to Receive SMS Notifications, Alerts & Occasional Marketing Communication from company. Message frequency varies. Message & data rates may apply. Text HELP to (XXX) XXX-XXXX for assistance. You can reply STOP to unsubscribe at any time.

With 20+ years of experience and an estimated $2.5 billion in client transactions, I specialize in helping residential real estate investors and homebuyers build wealth through strategic acquisitions and sales. Based in Lake Havasu City, Arizona I offer custom real estate services in Arizona, and jumbo private hard money loans in California, Arizona and Florida.

Whether you're a homebuyer, flipper, landlord, or builder, I invite you to apply for a loan here and join one of my evening webinars designed to help you navigate the real estate market with confidence.

For those interested in brokering private hard money in 47 states, I also offer a specialized webinar. Upon completing the training, you’ll have the opportunity to apply to broker private funding from Temple View Capital in your market. Licensing is only required in 6 states.

All the best,
Kirsten VanderJagt

Frequently Asked Questions

What documents do I need to apply for a mortgage and how quickly can you fund?

You’ll need a our simple PDF loan application and disclosures, stamped articles of formation for your new or seasoned LLC, LP or Corporation, an operating agreement or bylaws, a track record that details your experience (if required for the program), and a credit report, title report and appraisal. I order these last 3 items for you. You do NOT need proof of personal or business income, a personal financial statement, tax returns, and we do not ask about your employment. Specific requirements vary by program.

If you are wanting a renovation loan, please obtain your scope of work or budget from a licensed and insured contractor to ensure they stay on their agreed upon timelines and within that budget, so you can have success with your investment.

Funding generally takes 7-10 days from the time we receive clear title and appraisal, or 15-30 days from start to finish. After you request a quote and supply your initial documents, our seasoned staff of nearly 85 people take care of almost everything for you!

Testimonials

Kirsten is a terrific underwriter who has the ability to work under pressure ensuring loans close on time. Her exceptional communication skills ...clear and precise conditions makes the process seamless ...no doubt an industry veteran.

— Rhys Morris

I wanted to take a moment to express my admiration and appreciation for Kirsten’s exceptional work ethic and dedication. Throughout our time working together, I have been consistently impressed by her professionalism..

— Rolethia Scott

I've had the distinct pleasure of getting to know Kirsten through real estate. Not only is she incredibly intelligent, she has integrity, natural leadership skills, and is driven to ensure the best outcome possible.