About CW Private Money Lending

CW Private Money Lending helps real estate investors explore financing options for non-owner-occupied residential investment properties.

We work as a broker and funding resource, helping investors organize their deal information and identify potential independent third-party funding sources whose programs may fit the opportunity. We do not make underwriting, approval, loan-term, commitment, or funding decisions. Those decisions are made independently by the third-party lender.

Our goal is to make the financing search and submission process easier to understand and more organized, whether you are evaluating a potential opportunity, already have a property under contract, or need another potential funding source.

Who We Work With

We work with real estate investors at different stages of the investment process.

That can include investors who are:

  • evaluating a potential acquisition;
  • preparing to make an offer;
  • already under contract;
  • planning a fix-and-flip or rental-property purchase;
  • refinancing an existing investment property;
  • considering bridge or DSCR financing;
  • looking for another funding option when an existing source is unavailable or may not fit the transaction.

You do not need to wait until every detail of a transaction is finalized before starting a conversation.

Our current focus is business-purpose financing opportunities for non-owner-occupied residential investment properties. Owner-occupied, personal-use, consumer-purpose, and commercial investment-property financing are outside our current marketing scope.

How We Help

We start by learning about the property, transaction, investment strategy, borrower experience, financing need, timing, and where you are in the process.

Using that information, we can help identify potential independent third-party funding sources whose programs may be worth exploring.

If a potential source appears appropriate, we can also help organize communication and information as the opportunity moves forward.

The lender independently evaluates the borrower and property and determines:

  • underwriting requirements;
  • available loan programs;
  • rates and terms;
  • documentation requirements;
  • approval;
  • commitment; and
  • funding.

CWPML does not make those decisions on the lender’s behalf.

Financing Scenarios We Commonly Review

Depending on the property, borrower, transaction, and lender requirements, potential financing scenarios may include:

  • fix-and-flip acquisitions;
  • rental-property purchases;
  • bridge financing;
  • bridge-to-DSCR strategies;
  • DSCR financing; and
  • refinancing existing residential investment properties.

Available programs and requirements vary by independent third-party lender and may also vary based on property location and applicable state restrictions.

A Resource Before and During the Deal

A financing conversation does not have to begin only after a property is under contract.

Some investors contact us while they are still evaluating an opportunity. Others already have a signed contract and need to identify possible financing sources quickly. Still others have an existing lender or funding relationship but need another option for a particular transaction.

The objective is to understand the opportunity early enough to identify possible paths forward without representing that financing is guaranteed or that a particular lender will approve the transaction.

Clear Expectations Throughout the Process

Private-capital financing programs can differ substantially from one lender to another.

We believe investors are better served when they understand what information may be required, what questions still need to be resolved, and which decisions belong to the lender.

We therefore focus on clear communication, organized deal information, realistic expectations, and helping investors understand the next step in the process.

Tell Us What You’re Working On

Whether you are evaluating a potential purchase, already under contract, refinancing an investment property, or looking for another potential funding source, tell us about the opportunity and where you are in the process.

Tell Me About Your Deal

Broker / Not-a-Lender Disclosure

CW Private Money Lending is a broker and funding resource, not a lender. We do not make underwriting, approval, loan-term, commitment, or funding decisions. Any financing is offered and provided by independent third-party lenders, subject to their own programs, underwriting requirements, approval, terms, and applicable state restrictions.