2026, Issue No. 4

Dear Investors,

For years, borrowers have asked the same question:

How can I access equity without losing my low-rate mortgage?

Today, we have a powerful solution.

We are now offering Second-Lien / Second-Position financing, including DSCR options, designed to help investors unlock equity while preserving their existing first loan.

---

Why This Matters

If you secured financing in a lower-rate environment, refinancing today may not make financial sense.

A second-position loan allows you to tap into equity without disturbing your current mortgage, giving you access to capital while maintaining favorable debt.

Qualification can be based on property cash flow or flexible income documentation, making this a strong option for investors and self-employed borrowers.

---

How Investors Are Using It

This structure is ideal for:

• Pulling cash out for new acquisitions
• Funding renovations or repositioning projects
• Building liquidity reserves
• Increasing purchasing power
• Scaling without resetting a low interest rate

---

Program Highlights

Eligible Properties
Single-family homes, PUDs, warrantable condos, and 2–4 unit properties

Loan Parameters
• Up to 85% CLTV
• Loan amounts from $50,000 to $1,000,000
• Maximum combined loans up to $4,000,000
• Minimum 700 FICO
• Max 50% DTI
• Minimum 1.00 DSCR

Use of Funds
Purchase, rate & term refinance, or cash-out

Structure Options
Stand-alone second lien or piggyback financing

Terms
15, 20, 25, and 30-year fixed options

Borrower Eligibility
U.S. citizens, permanent residents, and eligible non-permanent residents

Valuation
AVM available for loan amounts up to $400K

---

DSCR Advantage

For investment properties, qualification may be based on rental income rather than personal income, allowing investors to leverage performing assets more efficiently.

---

A Strategic Edge in Today’s Market

With property values up and interest rates higher than previous cycles, preserving low-rate financing while accessing equity can create a meaningful competitive advantage.

This program provides flexibility, liquidity, and growth potential without disrupting what is already working.

---

If you would like to explore how this fits your portfolio strategy, I’m happy to review your scenario and discuss options.

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 still loves helping people get deals done.

Thanks for reading

---

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.