Disclosures: This is not a commitment to lend. All offers of credit are subject to approval. Restrictions may apply. TLC Financial Network, Inc. and its affiliates reserve the right to amend rates and guidelines. TLC Financial Network, Inc. and its affiliates are Commercial and Business Purpose Lenders only.

Market value will be determined based upon an appraisal performed by a licensed appraiser, broker price opinion performed by a licensed real estate broker, and/or internal valuation analysis.

Lite or No Doc Programs may have a higher interest rate, more points and/or more fees than other products requiring more documentation.

All Asset Classes Considered

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Just Funded purchase! We locked in a 5.850% rate on a 5 Year Fixed Loan with 3 years of interest only for a brand-new client! Their agent goes way back with TLC, so when he had inexperienced buyers looking at a property we had already financed in the past for the seller, he knew TLC was the place to call. This was a super smooth closing with 28 days between LOI and loan approval in the midst of increased market activity. Lenders love TLC files! We pride ourselves on complete and organized packaging with exceptional attention to detail, which means quicker pain-free approvals. Our ability to “map out the deal” and cover all bases for our clients is why once you experience the TLC advantage, you will want to be a client for life!

We could not have been more impressed with our first time working with TLC. The team really goes above and beyond; giving us confidence that they have our best interests in mind every step of the way and are really on our TEAM. Thank you, team, we look forward to many more together. ~ Sonia W., Real Estate Investor

Just Funded Cash-Out Refinance! We have successfully closed on a 3 Year Fixed Loan with full term interest only for our repeat VIP client! Our client’s previous loan we did for him had rolled to the adjustable terms and the interest-only period burned off, resulting in his payment nearly doubling. Not only were we able to secure a great rate, terms and fees, but we were able to save him a considerable amount of money every month, while still getting him low six figures in cash-out. In less than a year, our client will recapture the fees spent to refinance in monthly savings. Call us to see if we can save you money and get you cash-out too!



Each time I've worked with TLC, whether for a purchase or refinance, you've always provided unparalleled, exceptional service. Your ability to cut through the red tape and get the deal done efficiently is truly impressive. ~ Braden W., Real Estate Investor

Just Funded Purchase! We have successfully closed on a 5 Year Fixed Loan with NO PREPAYMENT PENALTY for our repeat VIP client! Not only were we able to secure a great rate, terms and fees, but our client knew he could trust us to be in his corner and look out for him every step of the way. The best part is that the loan has NO PREPAYMENT PENALTY, and the borrower is fixing the disrepair of past ownership and adding units to the property and will be able to refinance in a couple years without penalty!

Thank you, TEAM TLC! I keep coming back to TLC because your team is not only experts in debt placement, but I can trust you to take care of all facets of my transaction as if it was your own! ~ David W., Investor

Just Funded Purchase! We successfully closed a purchase loan in Huntington Beach for a first-time investor! Our long-time broker relationship earned us this referral because the agent knew he could trust TLC to advise his client on everything she needed to know about acquiring her first income property. We were able to source a competitive rate, terms and fees from a top capital provider in the market and closed the transaction with ease. We got this one done at 75% LTV, which is very rare for a 1–4-unit property in coastal Orange County! BEST OF ALL, WE CLOSED IN 15 DAYS FROM SUBMISSION WITH NO CONDITIONS!

Thank you, TEAM TLC! Your personal touch, industry knowledge and connections were so helpful when closing my first investment property. The team at TLC advised me every step of the way and delivered everything that they promised they would when I went under contract and more! I look forward to many more transactions in the future! Jane L. ~ Real Estate Investor

Just Funded Purchase! We have successfully closed on a 5 Year Fixed Loan with NO PREPAYMENT PENALTY for a first-time investor! Our repeat VIP client referred their close friend to us because they knew we would take care of business and provide the support this client needed on their first deal. The seller inherited the property and had no idea what they were doing every step of the way, but we picked up the pieces and made the deal work! We were able to secure a great rate, terms and fees for this client. The best part is that the loan has NO PREPAYMENT PENALTY, and the borrower is fixing the disrepair of past ownership and adding units to the property and will be able to refinance in a couple years without penalty!

Thank you, TEAM TLC! Your guidance every step of the way has been much appreciated. I am really glad my friend referred me to you. I look forward to doing more deals with your team in the future! ~ Moksha R., Real Estate Investor

Just Funded Purchase! We have successfully closed on a 5 Year Fixed Interest Only Loan with NO PREPAYMENT PENALTY for our repeat VIP client! We were able to leverage our relationship with the lender, insurance brokers, and the agents to get this deal done smoothly and on time. It is always an honor to work with repeat clients because it tells us that we are doing it right. Not only can they trust us to get them the best debt options, but they trust us to get the deal done and look out for their best interests every step of the way. This is always the most rewarding part of what we do!



Thank you, TEAM TLC! After the loan you did for us on our last transaction, we knew that we could trust you to get this new purchase closed for us! We appreciate your attention to detail and look forward to working together again in the future! ~ Tuan N., Real Estate Investor

Just Funded Purchase! We have successfully closed on a 5 Year Fixed Interest Only Loan for our repeat VIP client! Our client leveraged his equity in other assets to take down this purchase. He plans to use the low leverage, IO payment to provide healthy cashflow to recapitalize into property improvements to increase the value. The 5-year fixed rate allows him time to systematically renovate and position the asset with the opportunity to refinance after 5 years to capture the upside.

I have been working on multiple transactions with Kevin and his entire professional TEAM at TLC for the past 13 years. I am so grateful that my agent referred me when I was buying my building in Long Beach back in 2012. Since the initial transaction, you and your TEAM have impressed me with your top-notch service, expertise, on-time communication, and your ability to deliver the absolute best the marketplace offers. Thank you again for another great loan experience! I look forward to more transactions with you and your team! ~ Andre F., Investor

Just Funded Refinance! We have successfully closed on a 3 Year Fixed Loan for our repeat VIP client! We financed this property when our client purchased it in 2015, and he has done a lot to improve its value since. When his previous loan rolled into the adjustable, he used this as an opportunity to capture some of the equity he had built to buy more properties. The property used to operate as a motel, so all the units are standalone studios under 300sq./ft. each. Most lenders in today’s market would not finance the property because the average unit size is so small; but a tried-and-true source we have done a lot of business with saw no problems and got the deal done on time to effectuate the purchase deals the refinance proceeds were fueling. This loan also features a soft prepayment penalty that allows 20% annual principal reduction with no penalty and no penalty if you sell or refinance through the same lender. This gives our client a lot of flexibility with the property over the next few years. Mission accomplished!

I have been working on multiple transactions with Kevin and his entire professional TEAM at TLC for the past 13 years. I am so grateful that my agent referred me when I was buying my building in Long Beach back in 2012. Since the initial transaction, you and your TEAM have impressed me with your top-notch service, expertise, on-time communication, and your ability to deliver the absolute best the marketplace offers. Thank you again for another great loan experience! I look forward to more transactions with you and your team! ~ Andre F., Investor

Just Funded Refinance! We have successfully closed on a 5 Year Fixed Interest Only Loan for our repeat VIP client! We financed this property when our client purchased it in 2012, and he has done a lot to improve its value since. When his previous loan rolled into the adjustable, he used this as an opportunity to capture some of the equity he had built to buy more properties. On this deal our client decided to fix for 5 years with 5 years of interest only as he plans to hold onto the asset for the long term. We got this deal done like clockwork to coordinate with the sales contracts on the properties he purchased with the proceeds. One of our many specialties is leveraging existing equity to scale your real estate portfolio, let us talk about your portfolio!

I have been working on multiple transactions with Kevin and his entire professional TEAM at TLC for the past 13 years. I am so grateful that my agent referred me when I was buying my building in Long Beach back in 2012. Since the initial transaction, you and your TEAM have impressed me with your top-notch service, expertise, on-time communication, and your ability to deliver the absolute best the marketplace offers. Thank you again for another great loan experience! I look forward to more transactions with you and your team! ~ Andre F., Investor

Just Funded Purchase! We have successfully closed on a 5 Year Fixed Interest Only Loan for our repeat VIP client! Our client leveraged his equity in other assets to take down this purchase. He plans to use the low leverage, IO payment to provide healthy cashflow to recapitalize into property improvements to increase the value. The 5-year fixed rate allows him time to systematically renovate and position the asset with the opportunity to refinance after 5 years to capture the upside.



I have been working on multiple transactions with Kevin and his entire professional TEAM at TLC for the past 13 years. I am so grateful that my agent referred me when I was buying my building in Long Beach back in 2012. Since the initial transaction, you and your TEAM have impressed me with your top-notch service, expertise, on-time communication, and your ability to deliver the absolute best the marketplace offers. Thank you again for another great loan experience! I look forward to more transactions with you and your team! ~ Andre F., Investor

Just Funded! We have successfully closed on a 5 Yr. Fixed with 4 Years of Interest Only for our long-time TLC Client! The acquisition loan we did in 2021 for our client was getting ready to adjust and we took the opportunity to get him out of the adjusting debt and settle into a new fixed rate period. TLC levered our relationship with one of the strongest lenders in the market to secure a competitively low rate, great terms, and low fees! Come experience the advantage of working with TLC as your financing navigator!

I was pleased to work with Kevin and the TLC team again. Once again, they delivered exactly what they said could get done. I look forward to doing more transactions with them in the future. ~ James W., Investor

Just Funded! Our long-time VIP client wrote an all-cash offer on this deal and decided with a few days left in the escrow period that he was going to take financing. We called up a capital source we knew we could trust to get the deal done on time, with no appraisal and most importantly with stellar terms the borrower was happy with. We had an approval and loan docs in escrow in under 6 hours and we closed on time even with a midweek holiday in our way! When the chips are down, it is all about who you have in your corner! TLC has spent decades forging strong and reliable relationships. See what you can accomplish with TLC in your corner and give us a call today!

Kevin, I thought we finally threw one at you that you couldn’t get done. You and your all-star team delivered again! You guys really hit it out of the park! The loan program you sourced and got done for us is phenomenal! A real lifesaver too as the seller wasn’t playing ball on granting an extension! ~ Sam M., Real Estate Developer

Just Funded! Another successful bridge-to-perm exit orchestrated by TLC! We did the bridge loan on this deal for our longtime VIP clients and successfully refinanced them back out into a permanent loan option that gave them cashflow and flexibility. This loan features a soft prepayment penalty that allows them to refinance with the same lender or sell the property without a penalty. This is perfect, because our clients want to hold out a few more years for values to recover and eventually sell. While the property issues were fixed and our clients did an excellent job with renovations, the property location still provided multiple challenges when it came to debt placement due to the neighborhood and being butted up against commercial influences. So, we teamed up with one of our go-to capital sources who accepted the property and leaned on the borrower’s credit worthiness, even though the location was not the best. That is the name of the game. Every deal has a place; you just need the right navigator to drive it home. Contact TLC to see firsthand the service and dedication to your success we provide!

Kevin, you guys came through again as promised! You and your team always deliver exactly what you say you will. The flexible loan program your team sourced gives us options in an unpredictable market. ~ David Kakan, Investor 

Just Funded! We successfully refinanced a bridge loan into permanent debt in North Hollywood! We executed a bridge loan on the purchase of this deal at very competitive rate, terms and timing and took out the bridge loan with permanent debt before the first payment was due! Despite delays with holidays and insurance in the midst of the most destructive wildfires LA has ever faced, we closed this refinance in 52 days. We orchestrated the bridge debt perfectly with the perm debt to tailor the loan amount to cover all the fees and costs of the bridge loan and permanent loan with a net $30,000 in cash out back to the borrower.



Thank you, TEAM TLC! Your guidance every step of the way has been much appreciated. I look forward to doing more deals with your team in the future! ~ David W., Real Estate Investor

Just Funded! We successfully refinanced a bridge loan into permanent debt in North Hollywood! We executed a bridge loan on the purchase of this deal at very competitive rate, terms and timing and took out the bridge loan with permanent debt before the first payment was due! Despite delays with holidays, a regulatory agreement on the property and insurance in the midst of the most destructive wildfires LA has ever faced, we closed this refinance in 52 days. We orchestrated the bridge debt perfectly with the perm debt to tailor the loan amount to cover all the fees and costs of the bridge loan and permanent loan with a net $30,000 in cash out back to the borrower.

Thank you, TEAM TLC! Your guidance every step of the way has been much appreciated. I look forward to doing more deals with your team in the future! ~ David W., Real Estate Investor

Just Funded! We have successfully financed a bridge loan on twelve (12) units in North Hollywood! Our client is adding three (3) ADU’s and completely repositioning this asset, creating fifteen (15) units at the site. We executed this purchase deal with the most competitive pricing, terms and timing! With a single-digit interest rate, very high leverage, short contractual timeline, and with this much construction financing, it was like finding a needle in a haystack! Ultimately one of our best and most reliable capital providers stepped up to the plate and got us what we needed to make the client happy and get the deal done. As they say, “it’s all about who you know!” We also assisted our client in organizing their business plan and budget, using our years of expertise flipping properties ourselves and worked closely with them to dial in the final numbers. As a premier financing navigator, a significant part of our job is strategizing and running out logistics and numbers for our clients, and the way we do that is what sets us apart from being just another mortgage broker. Experience The TLC Advantage and give us a call today!



Thank you, TEAM TLC! It has been very enjoyable working with your team. You guys not only go out and get the best loan terms, but your team’s organized process and tenacity to get the deal closed really impressed me. I look forward to working with TEAM TLC in the future! ~ Srinivas O., Real Estate Investor

Just Funded! Our longtime VIP client utilized a bridge loan to acquire this property just before Measure H was passed in Pasadena. Thankfully, we sourced the bridge loan and got our client a 24-month term with a 12-month extension, so they had adequate time to handle the new challenges brought on by the rent control ordinance. However, because of the changes in their business plan, the income post renovation was quite a bit lower than anticipated which meant we needed to get creative on the takeout debt. We negotiated with the biggest lender in the DSCR space for custom carve out pricing that equated to a 1-point reduction in loan cost as an interest rate reduction. This concession we negotiated took the rate from 8.500% to 7.625% which was instrumental in getting us to a rate and term loan amount. Again, our insurance connections helped us with this deal to get a premium that was basically half of what the client was paying before. TEAM TLC always goes the extra mile to make sure we look out for our clients. Call us to experience how we are more than just a mortgage broker, we are financing navigators who always have your back!



When Measure H de-railed my deal, I expected to come in with over $100K to pay off my bridge loan. The guys at TLC rolled up their sleeves and got creative to get me into a loan that had me coming in with very little cash at the closing table for closing costs. Lessons were learned on this deal, and I look forward to knocking the next one out of the park with TLC on my TEAM! ~ Bryan K., Investor 

Just Funded! We have successfully closed on a 5 Year Fixed Interest Only Loan for our repeat VIP client! As a large-scale flipper, there are a lot of operating costs reported to the tax return that would typically restrict this borrower to stated income programs. Our capital partner understands how investing works and we were able to get the borrower to qualify when others couldn’t in the past.

Kevin, I appreciate you and your team’s expert guidance in finding me a competitive permanent loan for my long-term investment property. You guys are more than just loan officers or order takers, but true investment finance advisors. You really went above and beyond to ensure my success on these refinances. I look forward to many more deals together in the future. ~ Ray S., Investor

Just Funded! We have successfully closed on a 5 Year Fixed Interest Only Loan for our repeat VIP client! As a large-scale flipper, there are a lot of operating costs reported to the tax return that would typically restrict this borrower to stated income programs. Our capital partner understands how investing works and we were able to get the borrower to qualify when others couldn’t in the past.

Kevin, I appreciate you and your team’s expert guidance in finding me a competitive permanent loan for my long-term investment property. You guys are more than just loan officers or order takers, but true investment finance advisors. You really went above and beyond to ensure my success on these refinances. I look forward to many more deals together in the future. ~ Ray S., Investor

Just Funded! We successfully closed a purchase money bridge loan in North Hollywood for a first-time investor! Our long-time broker relationship earned us this referral because the agent knew he could trust TLC to advise his client on everything he needed to know about acquiring his first income property. Our new client was facing a very hefty tax bill in 2024, so for cost segregation purposes we needed to utilize a bridge loan to close this year. We were ready to close within days, with no appraisal and a silky-smooth process. The bridge features a 9.75% rate at 1 point, with no prepayment penalty or minimum interest yield, and we will be immediately refinancing into a permanent loan in the new year, which was already launched and in process with the rate locked at a low yield on the 5 yr. treasury!



Thank you, TEAM TLC! Your guidance every step of the way has been much appreciated. I look forward to doing more deals with your team in the future! ~ David W., Real Estate Investor

Just Funded! We successfully closed a purchase money bridge loan in North Hollywood for a first-time investor! Our long-time broker relationship earned us this referral because the agent knew he could trust TLC to advise his client on everything he needed to know about acquiring his first income property. Our client was facing a very hefty tax bill in 2024, so for cost segregation purposes we needed to utilize a bridge loan to close this year. We were ready to close within days, with no appraisal and a silky-smooth process. The bridge features a 9.75% rate at 1 point, with no prepayment penalty or minimum interest yield, and we will be immediately refinancing into a permanent loan in the new year, which was already launched and in process with the rate locked at a low yield on the 5 yr. treasury!



Thank you, TEAM TLC! Your guidance every step of the way has been much appreciated. I look forward to doing more deals with your team in the future! ~ David W., Real Estate Investor

Just Funded! Our longtime VIP clients utilized our services to both broker the real estate and the loan on this transaction. We helped our client beat dozens of competing investors who tried to buy this deal from our seller due to its prime location. We worked directly with the elderly seller for almost two years to get this deal for one of TLC’s best clients. Insurance was yet again a huge challenge on this deal given its fire score and it being a 34-space mobile home park. We utilized our broker connections to find an insurance policy that not only met all the lenders’ requirements but gave the client satisfactory coverage as well. Working with TLC is just different, we make sure we have your back in every way possible. Call us to see how we can help you and have your back too!



Kevin, over the years you have always gotten the deal done for me, no matter what it takes. I appreciate you and your team’s steadfast efforts on this deal as always. I look forward to continuing our relationship in the future. ~ Duc N., Investor