About Me
James Moreno is a Regional Sales Advisor, bringing over 10 years of experience in financial services and investment strategy. With a strong background in client relationship management and capital growth solutions, James helps investors identify and execute opportunities that align with their long-term financial goals. He holds a Bachelor’s degree in Finance from Texas State University and is dedicated to delivering data-driven insights and exceptional client service across the nation.
Meet Truly
Truly Investor Capital was created by commercial lending professionals to deliver a streamlined, faster, and more dependable way for Real Estate Investors & Business Partners to power their businesses.
We specialize in Business Purpose Lending including Fix & Flip, Bridge, New Construction, Fix & Hold, Build for Rent, Single Property Rental, and Portfolio Rental loans.
Where Truly Lends
Truly Investor Capital lends in all states except those in gray.
Approval is subject to a Credit Exception & Collateral Review:
- Alaska
- Hawaii
States where Truly does NOT lend are also listed below for your convenience:
- Nevada
- North Dakota
- South Dakota
- Vermont
Truly Investor Capital is a division of Oaktree Funding Corp., NMLS# 71640. For a comprehensive list of where we lend, please visit
NMLS Consumer Access.
Our Products
Entity & Guarantor Requirements
Start here! Each of the below product matrices refers back to this handy matrix, which features the requirements for all entities, guarantors, and borrowers as they pertain to each loan.
DSCR Loans
Our DSCR Loans (Debt Service Coverage Ratio) enable investors to purchase, refinance, or take cash out on single property rentals.
Bridge Loans
Our Bridge Loans are designed to provide investors with funding to
acquire or refinance properties intended for rent or resale without renovations during the loan term.
Renovation Loans
Our Standard and Extensive Renovation Loan programs allow investors to executive business plans ranging from light renovations to complex property transformations.
New Construction Loans
The New Construction Loan program is designed to support investors and builders undertaking the development of new residential projects from inception through completion.
Request More Information
Call 208.748.9159 now, or fill out the form below and I'll get back to you!
By submitting your information, you expressly consent to receive calls and/or texts at the number you provided and emails to the email address you provided from Truly Investor Capital about business mortgage loan related matters, including pre-recorded messages. I understand that this consent is not a condition of purchase or agreement of any kind. Message frequency varies. Message and data rates may apply. This consent applies even if you are on a corporate, state, or national Do Not Call list.
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Truly Investor Capital, a division of Oaktree Funding Corp., 3133 West Frye Road, Suite #205 Chandler, AZ 85226 (NMLS # 71640 | In the following states AZ, CA, ID, MN, OR, UT loans are originated and made in the name of Oaktree Funding Corp. NMLS #71640 pursuant to the laws of AZ Mortgage Banker Lic. # 0920541 | CA DFPI Lic. # 6035721), 800-429-5000. ©2025. All Rights Reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. Oaktree Funding Corp. is an independent mortgage lender and is not affiliated with the Department of Housing and Urban Development or the Federal Housing Administration. Not intended for legal or financial advice. All state licensing information may be found at NMLS Consumer Access https://www.nmlsconsumeraccess.org
