We are approaching the end of the year and I want to make sure your closing stays on track. If you are planning to close before December 31st, we need to have your appraisal ordered and paid for by December 5th. This gives our team enough time for valuation, underwriting, final approval, and scheduling before the holiday slowdown.

If you would like to close this year, please reply to this email confirming that you are ready to move forward. I will prioritize your file immediately and make sure everything moves in the right timeframe.

If you have any questions or need help with the next step, just hit reply!

Alanna Avalone – Private Lender

Call/ Text/ WhatsApp: +1 (305) 537-6443 

This newsletter is my weekly take on lending, markets, and mindset, from someone who loves making it easy for everyone to invest in homes.

Thanks for reading

If you want to close this year, your appraisal needs to be paid by December 5th. I love miracles, but I am not Santa.

— Alanna Avalone (@AlannaAvalone) November 29, 2025

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Need help packaging a file? My team underwrites with you.

We are Direct Lender for Residential Investor Projects.
We do NOT offer loans for homesteads (primary residences), or rural.

For projects that don’t align perfectly with our requirements, we collaborate with other lenders to explore financing alternatives.

— Typically booked out 2-3 days. Secure your spot now.

See If You Qualify

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Private Lending For Your Commercial Properties 💰

I wanted to share our commercial loan program with you. It is a simple and flexible option designed for income producing properties including retail, office, warehouse, mixed use, multifamily, self storage, and automotive buildings.

Let’s go for the good stuff:

Loan Highlights

We lend from 75,000 to 5,000,000.

We finance up to 70 percent of the purchase price or as is value.

We allow a seller second, and the combined CLTV can go up to 90 percent.

We offer 30 year fixed rates as well as an interest only option for the first five years.

We support purchases, rate term refinances, and cash out refinances.

Underwriting is fast and documentation is simple.

The program is available nationwide.

Credit Requirements

Minimum 650 FICO.

Foreign investors are eligible up to 65 percent LTV.

Rates

Rates depend on the borrower’s credit tier and the property type.

For most commercial properties the current ranges are approximately:

10.24 percent for FICO 750 and above

10.74 percent for FICO 700 to 749

11.49 percent for FICO 650 and above

Refinances add 0.50 percent.

With the rate buydown option, borrowers can reduce their rate by paying points at closing. Maximum buydown is 2 points, which lowers the rate by a total of 0.75 percent.

Additional Details

Impounds are required for taxes and insurance.

No tax returns required.

Income verification is simple and streamlined.