Let's get your deals funded.
I'm J.P. Rivera, RTL Account Executive at LendSure Mortgage Corp. I help investors fund Fix & Flip and Ground-Up Construction projects.
We're an exception lender. Our guidelines are a baseline, not set in stone. Send me what you have.
CO. NMLS
#1326437
$200K – $3M
Loan size
12–18 mo
Loan term
660
Min. credit
Up to 90%
Max funding
Funding based on experience & credit.
Fix & Flip
Structured on purchase price & rehab budget.
Any level of experience accepted.
- Experience
- Credit score (minimum 660)
- Assets
- Property (location, condition, age, etc.)
| Experience | Credit | Max % of total project costs |
|---|---|---|
| 0–2 Projects | 660+ | 80% |
| 3–5 Projects | 660+ | 85% |
| 3–5 Projects | 700+ | 90% |
Want to see where your experience and credit land you? Send me your deal.
Email meSee what you could qualify for.
Move the sliders to estimate your maximum leverage. Final terms depend on assets and the property.
Estimated max loan · 80%
$480,000
For illustration only. Not a loan approval, commitment, or offer to lend. Business-purpose loans only; all loans subject to underwriting, appraisal, and program guidelines, which may change without notice.
Like that number? Email me the deal and I'll firm it up.
Email meHow it works.
Interest reserves
Include up to 6–12 months of interest reserve payments in your loan, reducing out-of-pocket payments (based on scenario).
Fees & costs
Competitive rates. Fees and costs paid outside of close.
Eligible properties
Non-owner occupied single family to 2–4 unit. Investment properties only.
Exit strategy
Sell your property or hold for rental income. If holding, we can assist with refinancing or a take-out loan.
Assets required to cover
- Down payment
- 6 months of interest-only payments
- 10% of the renovation or construction budget set aside
Draw holdback process
- Initial advance released at closing
- Draws paid in stages as your project progresses
- Same engineering firm handles inspections
- No invoices or receipts required
Additional requirements
- Project costs may not exceed 70% of After Repair Value
- In some states, max funding is 65% of the property’s value after renovation
Ground-Up notes
Lot requirements
Must be “shovel ready” — grading, water, power hookups, etc.
Already own the lot?
Up to 65% of lot purchase cost can be advanced at close to cover closing costs and provide cash to start the project.
Soft costs
Permits, architectural plans and other essentials can be built into the budget.
Holding the property
DSCR or rental income should be roughly 1.0 — rental income roughly covers the loan payments.
Questions about draws, assets or requirements? I'll walk you through it.
Email meI've been on your side of the table.
Before I ever structured a loan, I was the one scrambling to fund my own deals. That experience is exactly why I do this the way I do.
01
Chula Vista roots
Born and raised in Chula Vista, CA. I got into real estate in late 2017 and started my first business, Jet Set Home Offer — wholesaling distressed properties right here in San Diego. Before long I was working deals across the Midwest — Missouri, Nebraska, Tennessee, Kansas, you name it — and found real success in niche markets like Springfield, Missouri during the pandemic.
02
Going commercial
In 2022 I wanted bigger projects and larger spreads, so I went commercial — self storage, RV and mobile home parks, and everything in between, under EY Capital. Over 8+ years in real estate, I've been part of north of $14M in gross volume and served 60+ sellers, and learned how bigger deals get structured and funded.
03
Why lending
I spent years piecing together funding while under the gun, so I know exactly what it's like on your side of the table. Along the way I built an investor network of 5,000+ buyers and lenders. Now, as an Account Executive at LendSure Mortgage Company, I get to be the lending resource I always wished I had — someone who actually picks up the phone and finds a way to get the deal done.
Track record figures reflect J.P. Rivera's prior personal real estate activity through Jet Set Home Offer and EY Capital, which are independent of and not affiliated with LendSure Mortgage Company. Logos and website images shown for historical reference only. Past results do not guarantee future outcomes.
Have a project in mind? Let's talk.
J.P. Rivera
RTL Account Executive
LendSure Mortgage Corp. · Co. NMLS #1326437
Give me a call! Let's structure your deal together in a way that works for both sides.
LendSure Home Loans is a registered trade name of LendSure Mortgage Corp. NMLS ID# 1326437 (www.nmlsconsumeraccess.org). 12230 World Trade Drive, Suite 250, San Diego, CA 92128. 888.707.7811. All rights reserved. LendSure Mortgage Corp. is authorized to conduct business under the LendSure Home Loans trade name in Arizona, California, Georgia, Illinois, and Texas. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice. Equal Housing Lender.