Cushner Capital Group

Opportunity is knocking. This one is a 12.5% coupon for 12 months with a five month interest guarantee. The borrower is obligated to pay the investor five months at the very least. However, these typically go longer. This is a first Trust Deed on a home near the river that will be used as an Airbnb and have a nice cash flow. Buyer had to close quickly and banks could not provide certainty. WE DID! WE CLOSED IN THREE WORKING DAYS! Call us, we have more!

WHEN MARKETS GO WILD, TRUST DEEDS STAND STRONG!

We find great investments in all of California. Call if you need hard money or want to be a hard money investor!

Trust Deed Investment! We were able to find a savvy investor to loan on this property and yield our investor over 11% for 12 months. Sound interesting? Property has a value of $450K, and the investor loaned the owner $160K on a new First Deed of Trust! That is a loan to value of less than 40%. That is a lot of protection in equity for a careful investor! High yield, low risk. How does that sound to you? We have more and are always looking for individuals seeking to diversify their investment portfolios. You can use your savings or your IRA. You are protected by equity in strong CA real estate. Give us a call to discuss! (760) 845-9035. NMLS 1897311

Mixed-Use property seeking investor! The challenge with mixed use properties is that they do not fit into either residential or commercial loan guidelines. This often makes them a fit for hard money. This cutie has an appraisal for $600K up near the Bay Area. The property consists of two apartments, a retail shop facing the street, and an unfinished basement. Owner has no mortgage, but would like to finish the basement to bring in more income. Currently, the property is bringing in $6500 per month, and with a liveable finished basement, this could be over $8000 per month. Owner is seeking $270K for a 1-3 year investment with a yield to a private investor of over 11%. Sound attractive? Call us as this will go fast! (760) 845-9035. NMLS 1897311.

DSCR Loans. How do these work and benefit Investor clients?
Investors are sometimes denied loans at the bank, due to an inability to show enough income on their tax returns, a high enough credit score, insufficient debt to income ratios, or other typical bank criteria. The DSCR loan, an acronym for “Debt Service Coverage Ratio”, does not rely on those factors, but rather the cash flow of the property. It is a make sense mortgage based on the income versus debt of the property, rather than the borrower’s income. A traditional mortgage loan will require a review of the borrower's income verification, tax returns, a very high credit score and debt ratios. DSCR Loans require none of these! This is ideal for real estate investors looking to leave behind the hassle, paperwork and headaches of conventional financing. Rates are very low and can be used for single family homes as well as multiple unit complexes. We have programs that will go up to $3M! Ditch the search for endless paperwork and hurdles. Call us at (760) 845-9035 for a free assessment to see if your property qualifies!

Buy Now And Refinance Later

Unlock the potential of the "Buy Now, Refinance Later" strategy and learn how it can benefit your real estate journey!

"Buy Now" Phase: It refers to purchasing a property at the present moment, taking advantage of current market conditions, interest rates, and opportunities.

Advantages: Secure your dream home or investment property. Benefit from favorable market conditions. Start building equity and enjoying the perks of homeownership.

"Refinance Later" Phase: This phase involves refinancing your mortgage after the initial purchase to potentially improve your terms, interest rates, or loan structure.

Benefits: Capitalize on lower interest rates or improved credit scores. Access home equity for other financial goals or investments. Optimize your mortgage to align with your long-term plans.

Important Considerations: Consult with a trusted mortgage professional to assess your specific financial situation and determine the right timing for refinancing. Understand the costs and potential savings associated with refinancing. Evaluate your short-term and long-term goals to ensure this strategy aligns with your overall financial strategy.
I’m always here to consult and educate.

Michael Cushner
Cushner Capital Group
(760) 845-9035
[email protected]
DRE # 00865708

Happy 4th Of July!

🎆🇺🇸 Wishing you a spectacular Fourth of July filled with joy, laughter, and cherished moments with loved ones! 🎇 As we celebrate the birth of our nation, let's also celebrate the freedom and opportunities that make this country so special. 🗽May your day be filled with BBQs, fireworks, and the warmth of home.

The short answer is yes! Yes, you can get a mortgage if you’re self-employed! But if you run into problems with your conventional lender, be sure to give me a call. I can help you with any “out of the box” lending situations.

Let me know how I can be of help.

Michael Cushner
Cushner Capital Group
(760) 845-9035
[email protected]
DRE # 00865708

Fill up on burgers and hot dogs, classic sides like potato salad and coleslaw—and wash it all down with a festive cocktail or two.

45 Fantastic Recipes for Your Fourth of July Bash Fill up on burgers and hot dogs, classic sides like potato salad and coleslaw—and wash it all down with a festive cocktail or two.