Hi, I’m Zachary Alvarez.
I help real estate investors and homeowners secure financing that makes sense.
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90% LTC New construction
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80% LTV DSCR cash-out
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2nd lien DSCR cash-out
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Fix & flips Close in 3–5 days, no credit check, no appraisal*** Applies in certain states ***
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DSCR cash-out No seasoningNewly renovated properties only
What sets me apart is simple: I’m responsive, transparent, and focused on building long-term relationships. When you’ve got a deal on the line, you can count on me to deliver options quickly and keep the process moving.
The Alvarez Advantage
Creative Financing Solutions
My specialty is finding options for deals that don't fit the traditional lending box, from DSCR and fix & flips to new construction.
Responsive & Fast
When you have a deal on the line, you can count on me to deliver options quickly and keep the process moving forward without delays.
Long-Term Partnership
My focus is on building lasting relationships. I'm not just a lender; I'm a dedicated partner in your real estate investment journey.
Radical Transparency
You'll receive clear, honest advice and fully explained options. I ensure you have the clarity needed to make confident decisions.
Your Path to Funding
Submit Your Project Details
Start by providing the specifics of your deal—whether it's a fix & flip budget, a rental property's cash flow, or a new construction plan. This initial data helps me quickly assess viability.
Review Tailored Loan Options
I'll analyze your project and present clear, creative financing options. We’ll compare terms for DSCR, rehab budgets, or construction draws so you can choose the best fit for your goals.
Close Quickly & Start Your Project
My streamlined process ensures a fast and transparent closing. Once funded, you can begin your renovation, construction, or start cash-flowing your rental property without delay.
Loan Programs We Offer
Fix & Flip Loan
Short-term financing to purchase and renovate investment properties. Fund the purchase and rehab with interest-only payments, then sell or refinance.
Get Fix & Flip Financing »
DSCR Loan
Qualify based on property cash flow, not personal income. Our Debt-Service Coverage Ratio loans are perfect for investors expanding their rental portfolio.
Apply for a DSCR Loan »
Construction Loan
Build your dream home with staged draws and interest-only payments. Finance the land and construction, then convert to a permanent mortgage at completion.
Start Your Build »Ready to Fund Your Next Deal?
Whether it's a fix & flip, a new rental, or your next construction project, I'm here to provide the financing solutions that make it happen. Let's discuss your project today.