Real estate lending should be simple, fast, and built around the investor’s goals. We strip away complexity to create a clear path from application to funding. With proven expertise, transparent communication, and a relentless focus on results, we deliver capital solutions that empower investors to scale with certainty.
Our experienced leadership delivers fast, reliable capital solutions for real estate investors nationwide.
Marcos Minaya is an institutional real estate professional with over 17 years in acquisitions, dispositions, capital markets, and portfolio strategy. As a Vice President at CBRE, he advised REITs, global managers, and major institutions, contributing to $22 billion in U.S. transactions.
At ALMI Lending, he offers a strong track record financing institutional-grade assets, deep market knowledge, precision underwriting, and capital structuring expertise. He applies an institutional perspective to deliver exceptional insight, execution, and access nationwide.
Andres Albino is a real estate investment professional with experience managing over $1B in equity and debt transactions, including acquisitions, refinancings, and restructurings. He has led investment teams, launched institutional vehicles, and raised more than $250M from pension funds, family offices, and endowments. His expertise includes complex deal structures, from ground leases and joint ventures to government and publicly traded counterparties.
At ALMI Lending, he brings strategic partnerships, disciplined execution, and a proven ability to deliver investor value.
Joseph Albino is a real estate professional specializing in asset management, financial analysis, and lending operations. He has supported the oversight of portfolios exceeding $1 billion, driving efficiency through data-driven insights.
At ALMI Lending, he focuses on loan structuring support, market and asset underwriting, and performance tracking to align loans with investor criteria. His background in Civil and Sustainable Energy Engineering provides a unique analytical approach to credit evaluation.
Decisions in 24-48 hours. Close in as little as 10 days.
No hard credit pull. Competitive rates designed for real estate investors.
Learn about approvals, programs, and timelines
We're faster, more flexible, and focused on real estate investors. Unlike banks, we don’t require mountains of paperwork or years of income history. Our streamlined process and expert team move at the speed of your deals—so you can focus on growing your portfolio.
Any real estate investor or business entity (LLC, Corp, or Trust) can apply — foreign investors included. We work with both seasoned investors and those newer to the space.
Initial pre-approval typically happens within 24–48 hours after we receive your application and basic documentation. Full approval and funding timelines vary by loan type, but we can close in as little as 10 business days.
We finance non-owner-occupied residential investment properties including single-family homes, 2–10 unit multifamily residences, warrantable condominiums, townhomes, planned unit developments (PUDs), and modular homes.
We offer a variety of loan options tailored to real estate investors, including fix-and-flip loans, ground-up construction loans, bridge financing, DSCR-based rental loans and portfolio rental loans. Whether you're acquiring, renovating, refinancing, or building, our programs are designed to support both short-term strategies and long-term hold investments.
Rates depend on the loan type, borrower profile, and leverage point. Short-term loans typically start around 9%, while long-term rental loans start near at 6%. Terms range from 12 to 18 months for short-term loans to 30 years for long-term rentals. Please note that rates and terms are subject to change based on market conditions and individual borrower qualifications.