I have been waking up at 4 am for over a decade now, I have found that exercising early is a Great way to start my day. Something about building my physical capacity threshold early in the morning, while the rest of the world lies dormant, invigorates me to get more done. The ability to […]
I was referred a client for an investment property 2 family purchase in the Bronx. The client had excellent credit, was putting down 30% and the property cash-flowed well. This deal looked like it hit all the boxes and it was going to be a smooth close, at first. The property had an open violation, […]
HGRN has a program that is based on simply the investment property we are looking to purchase. Here are the parameters: Max loan to value is 80% LTV The property must be for investment It can be a 1-4 family ( you can be a first time investor) The rental income of the property should […]
The thought of what I would do with my life at the age of 17 didn’t really seem like a concern at the time. A College degree was something that I had to accomplish, not just for myself but for my family. I was to be the first one to graduate in my family. When […]
I was listening to a podcast with “Ryan Serhant”- they asked him what a mortgage professional could do to win his business. The answer was simple, “Do what you say you’re going to do. This sounds simple enough right?? I want to add to the this statement, honesty and integrity have to supersede false promises […]
I have been lending in the “non-qualified“ mortgage sector for about a decade – these are mortgages where we don’t verify your personal income. (non QM). I’m educated and familiar in the “agency” loans as well ( Fannie- Freddie-FHA) But I believe Non-QM and “unconventional” or Commercial lending has especially resonated with me, due to […]
Many strangers, friends and clients ask me what is” Private Equity lending “, “Bridge Lending” or “Hard Money lending” and the general definition is Private Equity/ Bridge Lending/ Hard money : Private equity lending, Bridge lending AKA Hard Money – Lending on collateral value (Real estate). This capital is sourced from a syndicate of […]
The topic of success is very subjective. There are many different ways to measure success – here are some categories for example- financial, emotional, mental and spiritual. If you speak to 5 different people you may get 5 separate, distinct answers. I am writing this particular entry to discuss my motivator – it has changed […]
We have all heard the saying, “you are the average of the 5 people you spend the most time with.” In Spanish there is a saying, “dirme con quien andas y te digo quien eres” Translation- Tell me who you walk with and I will tell you who you are. This post is more about elevating […]
A question that is always asked of me from clients, “When is a good time to buy?” – My answer when speaking about purchasing your primary residence. ( where you’re going to live with your family) is always the same. “Today” , when buying a primary residence, in an up market, in a down market, […]