Loan Programs
Get the Financing You Deserve
MORTGAGE LENDING
Whether you need help negotiating a mortgage or buying a new home, Optimus Funding can manage all your mortgage needs. My Mortgage Lending services will take the complications out of the process. You’ll be surprised by how easy your life becomes once we work together — contact me and find how my Mortgage Lending services can help.
Investor Solutions
If you're seeking financing for an investment property, navigating the mortgage process can be complex and overwhelming. That's where I can assist you. As a lender specializing in Debt Service Coverage Ratio (DSCR), I provide my clients with comprehensive assessment services to help ensure a seamless and stress-free experience. With my expertise, you can confidently pursue your real estate investment goals, knowing you're in capable hands
Home Equity Loans
Whether you're in need of funds for a home renovation, education expenses, or other large expenses, obtaining financing through a HELOAN or HELOC can be a daunting process. But you don't have to navigate it alone. As a specialized lender in HELOAN and HELOC lending, I provide comprehensive Assessment services to make the process seamless and stress-free. With my expertise, you can confidently pursue your financial goals, whether that's renovating your home or paying for your child's education, knowing you're in capable hands.
DSCR
No Minimum DSCR designed to provide enhanced flexibility and convenience.
No Minimum DSCR Rental Loans
RCN Program
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Hard Money
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Private Money
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Investor Loan
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DSCR
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Bridge Loan
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Fix and Flip
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Long Term Rental
Loan Stream Program
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No Minimum DSCR Qualify Ratio
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Up to 75% LTV
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2-4 units and Condos allowed
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Minimum Loan Amount: $150,000
AD Mortgage Program
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Owner-occupied, second home
or investment -
30-year fixed terms available
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DSCR >1 allowed
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Foreign National allowed
Hard Money
Private Mortgage Fund
Business Purpose Loans
Purchase - Rehab - Refinance
Equity-Based Lender
Interim and Bridge Financing
No Appraisals
No Pre-Payment Penalties
Most Property Types
Foreign Nationals
$400K to $40 Million
California Only
Unique Programs AD
Self-employed borrowers
Specialized mortgage options designed specifically to meet the unique financial needs of self-employed borrowers
Bank Statement Loan
Qualify using 12 months of business or personal bank statements. No tax return is required.
P&L (Profit and Loss) Loan
Qualifying income is the net income from the P&L divided by the time period covered (12 months). Must be CPA, CTEC, PTIN, or EA compiled.
1099 Loan
Loan Stream NanQ Program
Qualify with Only a 1099!
Program Highlights:
600 Min FICO
Up to 80% LTV
Up to $4,000,000
Borrower must be 1099 only
First Time Home Buyer OK