An Investor Lending Consultant You Can Rely On

Assisting You in the Acquisition of Real Estate

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Committed to Providing Superb Financial Services

Hard Money Lender, Construction Loans, Multi-Family, Fix & Flip, Commercial, and Bridge Loans across the US. Real Estate Broker, Keller Williams

Patrick began his career working as a Runner at Chicago Board of Trade and successful career-pathed to managing REFCO International’s Currency Desk, Eurodollar Futures, and Options while servicing accounts of global banks and financial service firms, including J.P. Morgan, Royal Bank of Canada, and Merrill Lynch at the Chicago Mercantile. Patrick has always had an interest in Real Estate and became a Broker in 1997 with Century 21 and continues helping renters and first-time homeowners find homes with Keller Williams/ Frank Montro Realty. Committed to the customer experience, Patrick focused on developing his Business to Business and Business to Consumer sales strategies by attending various Customer Service, Business Development, and Leadership training seminars.

In 2015, Patrick joined PNC as a Mortgage Loan Originator. Shortly after completing his training, Patrick was recognized for ranking in the top 5% of closing ratios, maintaining a $7-10 million-dollar customer portfolio. In 2018, Patrick was recruited by Fay Mortgages and joined their team. Within months, Patrick transition to Constructive Loans, a new division as a Hard Money Lender that focuses on Short Term Fix & Flip, Bridge, Long Term Rental, Bridge, New Construction Loans, and Single to Multi-Family properties in 45 states across the US.

A man in a suit and tie smiling for the camera.

Areas of Expertise

Bridge Loan for Acquisition and Refinancing

Need to move fast to purchase your next real estate investment property that doesn’t fit the qualifications of a traditional mortgage? Emerald Capital Investments offers acquisition bridge loans as a short-term financing solution for investors or home buyers who cannot obtain conventional financing due to various factors such as property type or credit rating. An acquisition bridge loan can be used to quickly purchase a property and give an investor or buyer time needed to renovate the home or stabilize their finances to prepare for qualifying for a long-term mortgage in the future. Acquisition bridge loans can be used on single-family homes, multi-family apartment buildings, and fix and flip properties. Flip loans for fixer properties fall under the umbrella of acquisition bridge loans.

Fix and Flip

An investor or buyer can use an acquisition bridge loan to get short-term financing on a single or multi-family property that needs repairs and renovations. These property types typically don’t meet the qualifications of traditional mortgage lenders, so the acquisition bridge, or flip loan, is a good way to purchase the property quickly, make the necessary renovations, and then sell the home for loan repayment and profit (or refinance with long-term mortgage once the property meets those qualifications post-renovation). Single-family home buyers who want to purchase a fixer-upper can also take advantage of bridge loan financing to secure a loan on a property, renovate, and refinance in the future.

Multi-Family Lending (5+ Units)

Multifamily real estate is one of the safest and popular investments among professional thanks to a stable income and low vacancy rates. Buyers in the past used traditional financing, but more recently, multifamily hard money loans offer an alternative capital source for investors. ***Bank and Agency financing available. Specialize in Private Lending.

Private capital works for investors because sometimes, you don’t have all the time in the world to secure financing. Waiting for a bank to approve your loan, submitting endless paperwork just don’t fit well in a competitive environment where you need to move fast. Private Money loans are the perfect tool for investors looking to close a deal quick. Traditional loans from banks can take up to 45 days or longer, Private money loans can close in as fast as a week. Once the deal is secured and the property purchased, the buyer is free to refinance the property with a traditional loan.

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Top Skills

  • Sales Customer

  • Service

  • Sales Management

Certifications

  • NMLS License

  • Licensed Realtor

PRICING CREDIT

Starting at 7.75% Minimum 620
LOAN TERMS CREDIT LINE UTILIZATION

  • Up to 12-24 month Interest Only/Fixed Rate
  • Accessible for (12) months without a complete re-underwrite. Based on Initial line approval date.
  • Subject to a (3–6 month) discretional extension term (Max of 21 months)
  • One loan per property allowed

ENTITY/GUARANTOR

One (1) Guarantor required on acceptable Company/LLC/Corp. Individual owner accepted.

BROKER/REFERRAL BENEFITS

  • Priority Processing – Short-Term & Long-Term Funding
  • Single Point of Contact/Dedicated Team
  • Aggressive Pricing
  • Close Multiple Loans Simultaneously
  • Increased Broker Incentive
  • Ease and Convenience
  • Quick Close
  • Increased Exposure - Ability to Market in All 50 States

Property Types SFR, MULTI FAMILY, TOWNHOMES, CONDOS, AIRBNB, NEW CONSTRUCTION AND COMMERCIAL

No qualified experience required

We also have a very competitive Rental Program as well as rates starting at 4.75%

No DTI requirements!

IM or email me if you have any interest!

[email protected]

REAL ESTATE INVESTING EDUCATION

INVESTOR TRAINING
EDUCATION

Additional Resources

If you are interested in lending and investment options, we have you covered. We have several informational videos that you can check out to help you learn more about this subject matter. Let us know if you have further inquiries.