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 Equal Housing Lenders.

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

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 

Just Funded! 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 he needed to know about acquiring his first income property. We were able to source a very competitive rate, terms and fee from a top lender in the market and smoothly close the transaction 3 days earlier than the contract required!

Thank you to the entire team at TLC. Your team is professional and was able to answer all my questions clearly throughout the process. Kevin even helped me file my LLC with the Secretary of State and provided an attorney quality operating agreement. ~ Peter B., Real Estate Investor

Just Funded! We have successfully closed on a portfolio of 9 residential investment properties on individual interest only DSCR loans with no income verification to qualify! Our client acquired these properties on fully amortized full-doc agency loans less than a year ago. We advised them on repositioning the portfolio into balance sheet loans with interest only terms, to not only drop the payment but also free up space for the loan to one borrower requirement, which opens up more space for agency debt in the future. Not only did we get them lower rates, but we also got them approximately $1MM in cash out proceeds across the properties to go out and acquire more properties.

We were thrilled to work with Kevin and the TLC team again. They seamlessly delivered once again, exactly what they said they could get done! We look forward to doing many more transactions together in the future. ~ Ugadi, LLC, Real Estate Investors

Just Funded! We successfully closed a purchase loan in Santa Ana 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 very competitive rate, terms and fee from a top lender in the market and smoothly closed the transaction. Once again, our insurance shopping concierge service paid huge dividends because without the stellar insurance policy we painstakingly obtained for our client, this deal wouldn’t have been closed. The insurance crisis is making or breaking deals in this market. Relationships matter in this business more than anything, call us to see how we can wield our relationships to help you!



Thank you, TEAM TLC! Your guidance, industry intelligence and connections were paramount in closing my first commercial real estate transaction. 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 always pushed for more! ~ Jenny H., Real Estate Investor

Just Funded! We successfully closed a Ground-Up Construction loan for an 84-Unit Multifamily property in Orlando, Florida. Our client came to us because their previous construction lender fell short of their leverage goal by over $2MM. With nearly all multifamily construction lenders, the project needs to cashflow on a perm debt take-out analysis. But we were able to find multiple sources to do the deal with no perm debt take out analysis and ultimately, we were able to secure 87% LTC with $1.5MM in cash-in-hand at the closing table. We were also able to negotiate a floating rate at Prime + 3% with a floor of 10%. With multiple rate cuts in the forecast during our client’s project timeline, having the rate able to float down was invaluable! In addition, our insurance broker connection was able to get us coverage bound amid Hurricane Helene, something that easily could have derailed our closing. When it comes to working with TLC, we make sure we have you covered on all fronts, and we get your deal done with certainty of execution! 

It has been an absolute pleasure working with the TLC Team. Daniel Wassersztein and I are eager to bring our vision to life, and your support has been invaluable in making this possible. We truly appreciate the opportunity to collaborate on this transaction and look forward to future projects together. ~ Juan Jose Cruz, Commander Charles Place, Orlando, FL

Just Funded! Our longtime VIP clients utilized a bridge loan to acquire this property for an absolute steal at over a 10% cap rate because of a few delinquent tenants and deferred maintenance. Our clients were able to correct the issues with the property and tenants and got this property back on track! While the property issues were fixed, the property location still provided some challenges when it came to debt placement. However, we teamed up with one of our go-to sources who accepted the property and leaned on the borrower’s credit worthiness, even though the location wasn’t the best. That’s the name of the game; every deal has a place, sometimes you just need the right navigator to drive it home. Contact TLC to learn how we can add value to your business and your next deal!

Kevin, you guys came through again as promised! You and your team always deliver exactly what you say you will. ~ David Kakan, Investor 

Just Funded! We successfully closed a purchase loan in Costa Mesa in 26 days! If not for delays caused by the seller, we could have closed in just 22 days. Our client came to us with a quote from Chase’s retail department and we don’t ever like to lose to Chase. We pulled out all the stops to not only beat Chase on rate, fee, terms and leverage, but we also beat them on documentation by providing our client with a light-doc loan that funded based on a PFS and Schedule of Real Estate. This lender also allows you to close in the name of the LLC to avoid future drop and swaps and post-close title changes, which could potentially negate the proposition 13 protection, and the property reassessed. 

Thank you to the entire team at TLC. We were very impressed by our first deal together. You came highly recommended by our real estate broker and everything he said about you guys was true. Your team is easy to work with and you all work with tenacity to get the deal done. ~ Mark & Lindsay N., Real Estate Investors

Just Funded! We successfully closed on a bridge-to-bridge-to-bridge scenario. Our client originally came to us for a construction loan to build eight (8) single family homes in a small lot subdivision in the illustrious Bel Air neighborhood of Los Angeles. Opportunities like this do not come along often in one of the most well-renowned real estate markets in the world! Unfortunately, with the introduction of ED-1 in LA, luxury SFR subdivisions have taken a back seat to affordable housing permit approvals. Our client is right on the precipice of permit approval, but his current bridge lenders were not playing ball on extending his debt, and our construction lenders were unwilling to take on the project without a clear path to permit approval. Typically, bridge-to-bridge is tough, especially when you have had a bridge loan for 4 years. But we were able to find multiple sources to do the deal and ultimately, we were able to secure 75% LTV with roughly $400k in cash-out proceeds at a 10.750% interest rate with 1 pt. to the capital provider. In a financing landscape where bridge lenders don’t want to take on a bridge-to-bridge scenarios, and especially where they don’t want to lend over 65% LTV on a cash-out refinance, TLC got the unthinkable secured and funded!

To Kevin and the entire team at TLC. Thank you so much for working tirelessly for me on the refinance of my development project in LA. I know that there were several challenges that did not make it easy for you guys to get this done. I was very impressed with your team’s tenacity and unwillingness to give up! I look forward to starting the construction loan process here soon and continuing to build a long-term relationship together! ~ Edward C., Real Estate Developer

Just Funded! We have successfully closed on a 5 Yr. Fixed with our long-time TLC Client! Our client was in the adjustable period of the loan we did in 2017 and had been riding out the adjustments for a few years. Now was the opportunity to get 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! As part of our 5-Star Service, we always shop our clients’ deals with our vast insurance broker network, and in this case, we saved our client over $26,000 in annual insurance premiums! Ask us about this concierge service and experience the advantage of working with TLC as your financing navigator!

I was happy to work with Kevin and the TLC team again. They delivered once again, exactly what they said could get done and more! I look forward to doing many more transactions with them down the road. ~ Boris A., Real Estate Investor

Just Funded! We are happy to report that we have successfully closed the perm debt loan for our NEW repeat client! He acquired this quality value add 8-unit apartment building in a high demand “AB 1482 ONLY” Garden Grove submarket, using our bridge to perm debt program, one (1) year ago. We underwrote this deal last year based on a very realistic exit strategy collaborated with our client, to ensure we would not be doomed to the potential of higher rates and/or lower rents on the horizon. This is so important when architecting any bridge to perm debt strategy. It is the key to not getting stuck with not being able to pay the bridge debt off, without a big capital call, or even worse, having to do what has been coined as the “bridge to bridge” loan scenario, which is NOT a good thing! Working together as a team with our client, fortunately we were able to accomplish what we set out to do. The moral of the story is always consider the worst-case scenario in your analysis. Especially in an ever-changing unpredictable market.

My Real Estate Agent referred me to Kevin and his team when I was purchasing this multifamily property last year. Kevin, I appreciate you and your team’s expert guidance in finding me a competitive bridge loan for this value-added property, and then following through with the permanent loan, just as you said you would. You guys are more than just loan officers or order takers, but true investment finance advisors. I look forward to many more deals together in the future. ~ Ray S., Investor

Just Funded! Closed in 33 days! Our new client was referred to us by one of our Real Estate Broker’s in our Network. This seasoned Investor, who typically uses the world’s largest lender, was left at the closing table with his loan amount being cut in excess of $200,000! A real deal killer! The Agents negotiated a reasonable extension and paved the way for us to get it done! Special thanks to Alec Kara and Robert Stepp for the trust and confidence in our team and for allowing us the opportunity to save this transaction for everyone involved! Challenged with two (2) units being non-conforming for a bedroom and a bath and required to close contractually with one (1) vacant unit, we went to work within our vast lender network and got this done with a group we have worked with for over a decade. Big shout out to Pat Matchett and John Fisher for making this happen for us! Looking forward to many more deals down the road!



Kevin, as advertised by my Real Estate Broker, you and your team delivered exactly what you said you would, where my current lender couldn’t. I am looking forward to more deals in the future with you and your team. ~ Carlos S., Investor 

Just Funded! We have successfully closed on a 30-Year Fixed with 10 years of Interest Only that used no income verification to qualify! Our client acquired this beautiful beachfront home in the high demand Dana Point submarket of Capistrano Beach with a bridge loan. He targeted high-yielding renovations to improve the value, and the property now demands top-of-the-market short-term rental income. Due to the income type, many conventional options were off the table. TLC utilized one of our new products to fund this loan on a DSCR basis using the market rent for the property, less ONLY PITI, with no personal income verification necessary. This yielded high enough leverage to take out the existing high leverage bridge debt, with a better rate than what could have been accomplished on a full doc conventional agency product.

Kevin, I appreciate you and your team’s expert guidance in finding me a competitive permanent 30-Yr. Fixed Loan for my beach front 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, even personally going to each appraisal appointment. I look forward to many more deals together in the future. ~ Ray S., Investor

Just Funded! We have successfully closed on a 30-Year Fixed with 10 years of Interest Only that used no income verification to qualify! Our client acquired this Prime Location Huntington Beach Fourplex. He targeted high-yielding renovations to improve the value, and the property now demands top-of-the-market long-term rental income. TLC utilized one of our new products to fund this loan on a DSCR basis using the rent from the property less ONLY PITI, with no personal income verification necessary. This yielded high enough leverage to take out the existing high leverage bridge debt, with a better rate than what could have been had on a full doc conventional agency product.

Kevin, I appreciate you and your team’s expert guidance in finding me a competitive permanent 30-Yr. Fixed Loan for my 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, even personally going to each appraisal appointment. I look forward to many more deals together in the future. ~ Ray S., Investor