Reliable Loans Designed for Real Estate Investors
Find the loan that fits your goals, whether you're building, renovating, or expanding your rental portfolio.
Expert Service
Meet Michael Nunez
Michael brings years of expertise in mortgage lending, specializing in residential, commercial, and construction financing. He has a proven track record of building strong client relationships and creating customized lending solutions. Michael believes in understanding his clients’ needs and providing exceptional service with clear communication. His dedication to delivering tailored financial strategies ensures every client receives the attention and care they deserve.
What To Expect
Working with me means clear communication, thoughtful guidance, and a focus on long-term relationships, not just transactions.
Clear Direction
You’ll get honest feedback on structure, timing, and options so there are no surprises halfway through the process.
Hands-On Support
From early questions to closing, I stay involved and accessible, helping ensure deals move efficiently.
Partner-First Mindset
Every conversation is approached with the goal of building trust, supporting growth, and creating repeat success.
Loan Programs Built for Real Estate Investors
Explore Truly’s full suite of rental, renovation, construction, and bridge loan programs. Use the summaries below to quickly find the right fit, or view a high-level comparison of all options.
Rental Loans (DSCR)
Long-term financing for income-producing properties, evaluated primarily on cash flow, not personal income.
Cash Flow Advantage
(DSCR 1.00+)
Ideal for investors with clean credit seeking predictable DSCR financing for standard rental properties.
- Straightforward purchase, refinance, and cash-out structure
- Max loan amounts up to $2M
- Reserve requirements scale with loan size
- LTV varies by FICO tier
- Eligible property types: SFR, 2–4 units, condos, non-warrantable condos
Investor Advantage
(DSCR Tiers 1.00+ / .75–.99 / .50–.74)
Ideal for experienced investors looking for flexibility, higher loan amounts, and options for lower-ratio DSCR properties.
- Three DSCR tiers determine pricing + max leverage
- Loan amounts up to $3.5M
- Clear LTV restrictions by property type
- Foreign National option available
- Allows IO with LTV adjustments
- More nuanced FICO + DSCR combinations
Professional Investor
(5–10 Units, Mixed Use, & Blanket Loans)
Ideal for portfolio investors, mixed-use owners, and buyers needing cross-collateralized structures.
- Covers 5–10 unit properties and 2–8 unit mixed-use
- Blanket loan product for 3 to 25 properties, $50K to $1M per property
- Higher loan amounts ($400K–$3M per asset)
- Lease requirements for refinances
- IO eligible; max LTV adjustments apply
Bridge, Renovation & New Construction Loans
Short-term or long-term financing for acquisitions, refinances, and transitional properties. From filling the gap, to value-add projects from light renovations or full ground-up construction, Truly's got you covered.
Bridge Loans
Ideal for investors who encounter time-sensitive opportunities or have a property in transition.
- FICO: Based on sponsor strength
- Loan Purpose: Build-to-Rent or Build-to-Sell investment projects
- Interest Only: Allowed during construction
- Reserves: Typically required; varies by loan size
- Property Types: SFR, condo, townhome, 2–4 units
- Seasoning: Required per guidelines
- No Owner-Occupied Properties
Renovation Loans
Ideal for investors completing light or full rehabilitation projects to improve property value.
- FICO: Case-by-case; tiered pricing
- Loan Purpose: Purchase, Rate/Term, Cash-Out
- Interest Only: Allowed
- Reserves: 3–12 months PITIA depending on loan size
- Eligible Properties: SFR, 2–4 Units, non-warrantable condos, rural (case-by-case)
- Prepayment Penalty: Standard 3-year, or as allowed by guidelines
New Construction Loans
Ideal for builders and investors creating new residential investment properties.
- FICO: Based on sponsor strength
- Loan Purpose: Build-to-Rent or Build-to-Sell investment projects
- Interest Only: Allowed during construction
- Reserves: Typically required; varies by loan size
- Property Types: SFR, condo, townhome, 2–4 units
- Seasoning: Required per guidelines
- No Owner-Occupied Properties
Not Sure Which Program Fits?
I can help you quickly match your scenario to the right loan structure and eliminate the guesswork.
Real Experience. Real Results. Real Investors.
For over a decade, the Truly team has helped investors accelerate their portfolios with reliable financing, competitive terms, and a partnership-driven approach. From rentals to new construction, we pair real estate expertise with fast, dependable execution.
$25B+
in loans funded to real estate investors
82,000+
investment properties financed
47
states where we lend
94%
of transactions with successful exits
Request More Information
Call 786.253.9494 now, or fill out the form below and I'll get back to you!
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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
