I am a broker licensed by the California Department of Real Estate (Identification number 01764556, expires Aug. 2010), and a Realtor.  I am also AN attorney licensed by the State of California: but I am not YOUR attorney. I arrange for financing for commercial real estate projects (apartment buildings, shopping malls, strip centers, office buildings, restaurants, hospitality, self-storage, nursing homes, and office condos) by referral.  I am able to arrange small commercial loans in every state of the United States except for Arizona, Arkansas, Wisconsin, Florida, North Dakota and South Dakota: and even in those states I have access to local brokers who can arrange financing. I also look for notes (read "mortgages, deeds of trust") to buy for my clients from people who have the right to receive payments over time and would rather have CASH NOW.

If you own (or want to buy) any commercial property, I can arrange financing, including mortgages, for most types of commercial buildings, including the "hard to finance" buildings (yes, that ugly building, the one with the story behind it, with cash flow that doesn't work -- I can find financing that works, and I'm proud of it). I will help broker loans for any commercial project, and I can get good terms (I'm looking at over 700 loan sources: one of them, or a combination of them, will have exactly what you need). I will work to assemble an excellent loan package, with all layers of financing (portfolio/conduit, mezzanine, private equity), required by your project and personal situation. I am in Southern California, and I work by referral in this market. You may write me here, but be aware that if you haven't already talked to your banker, I might begin by asking that you do so. For those outside of Southern California who want an immediate answer, use this link to fill out an application, and I will refer you to people who will try to help. For those who want to think I'm easily replaced, here's the matrix of commercial loans available. PDF You're welcome to see if you can do better. If you'd like to use your time more productively, delegate the job to me.  I represent lenders who want to make loans: I'm there to give you options, and let you make the choice. (I don't pretend to understand your business plans or which loan is the "only right one" for you: you're in charge of making business choices!)

If you want to build, rebuild, or renovate a commercial building, I can help arrange the construction financing, and then help you get the operational financing you need to run the building (including, if necessary, a mini-perm loan to get you through to adequate occupancy to qualify for a permanent loan). Drop me a line, and I'll give you a call to talk about it.

If you own a business that has a building and land, and you want to concentrate on your business and clean up your financial profile, drop me a line to ask about the benefits of a "sale-leaseback" transaction for your business.

For those who own apartment houses in California, and want to do a little fix-up, drop me a line and ask about the "Apartment Owner 10-12 Fixup Loan"(that's "ten-twelve"). It's a short-term cash loan to hire contractors to fix up your building (it does have to be allowed under your other financing, however). Your total cost for the loan will probably be less than your normal lender charges for an appraisal.

For real estate investors: I do know "hard money" lenders, and I can arrange workable financing for you. I do know people who offer private money short term loans for investors. Some people may worry about what interest rates these loans bear: but I'd suggest that you apply elsewhere first, and then really think about why they might be a good deal anyway. If you want to see what you're getting into in an application, check this out, and realize that with that and some information about the project and the property's characteristics, I'm in a position to get you in front of some very aggressive lenders. When you call, don't begin with "What's your interest rate?" I'm a broker: I don't have interest rates. I have lenders who may be interested in your loan, and who will respond to my presentations. Your interest rate will depend on the kind of deal you offer, your credit, and the security for your loan. Any number you hear before a discussion of those three things is an IMAGINARY interest rate, not something to plan with. Keep in mind that smart people make good money in real estate by using loans and it pays to have a source of money. I can help with both of those things.

For those who would like to take advantage of buying or selling notes, two things to keep in mind:

1. You must be a Californian to sell me notes or buy them from me. I am not licensed in other states. (This applies to commercial loans in Arizona, Arkansas, Florida, North Dakota, South Dakota, and Wisconsin -- I will refer you to a broker I work with in those states). I like California projects.

2. You should be able to tell me about the note, its payment history, and fax me a copy to evaluate. Be aware that you will have to give me adequate information to fill out this form (PDF), which is required by law, and other industry forms to broker your notes to investors. If you write to me at this address, I'll give you the fax number, and I'll give you a preliminary analysis within 24 hours of receiving that fax, before I do the checks I need to have done to buy your note.

If you'd like cash instead of a note, fax it to me at (888)2538419, or write me.. If you have a note, or are thinking of giving a buyer "seller financing" to get your house sold, drop me a line and I'll be happy to discuss it with you. Or just keep a copy of this post with your note, so that when you want to sell it, you can get in touch with me.

For residential brokers having difficulty getting a prospect financed into a deal where the seller has 50% or more equity, let me know you're interested in "Temporary Seller Financing," and I'll try to make the deal go through and get you your commission. I will work with other Mortgage Brokers to make these deals work, and bring investors to the table. It works as well for hard-to-sell properties: you advertise the availability of "Seller Financing" to increase interest.

Referral Fees Paid I will pay you 20% of my commission on the loan for any referral on a commercial loan (this does NOT apply to residential financing). For those not in a position to receive referral fees, I buy nice lunches. For those "fee shopping", as a friend or mine put it, "Nothing is free, and if it is, it costs too much." I turn out to be cheaper than free, under those terms. My fee is expressed in "points", or percentages, of the loan that I get you (and if I don't get you a loan, I don't have a fee coming). Are there limits to the size of my loans? Well, I suppose that the institutions will start running out of money after the first two hundred million, so you might want to ask me a little first before making that particular request. I represent lenders who want to make loans: I'm there to give you options, and let you make the choice. (I don't pretend to understand your business plans or which loan is the "only right one" for you: you're in charge of making business choices!)  Small commercial loans are just fine (that means under a million dollars, and could be a business loan backed by the property the business owner has). Get in touch, and I'll find a way to make it work. Once again, if you want to do the work yourself, here's the matrix. Knock yourself out.