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Investment Money Brokers Can Help With All Your Mortgage Needs

A Mortgage Broker You Can Trust

As a certified broker, I know from firsthand experience how overwhelming it can be to deal with mortgages. However, I also know that it doesn’t have to be this way. Investment Money Brokers specializes in helping you understand all of your mortgage and financing options so you can make smart and informed decisions. Get in touch with me today to see what I can do for you.

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My Areas of Expertise

Your Dependable Mortgage Broker

Since 2012, I’ve worked hard towards making sure my Phladephi area clients receive the best mortgage services for all their property financing needs. Working with Investment Money Brokers means having my personal support for a variety of services as well as the knowledge and resources that come with years of experience in the mortgage industry.

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Fix N Flip or Project Loan

Get The Best Deal

Our goal is to help small business owners, real estate investors, and commercial contractors quickly and efficiently finance their business activities. Our local hard money loan programs are tailored to your unique project needs. We fund fix and flipnew construction, and cash out refinance projects for non-owner occupied properties. We look forward to being your hard money lender and financing partner.

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Mortgage Pre-Approval

Own Your Dream Property

Each of my services cater towards getting my clients the best options possible, no matter their financial situation or real estate background. Contact me today to see what I can do for you. Check out my opening hours and schedule a consultation appointment today!

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Get The Best Deal

You probably already know that it’s possible to refinance the mortgage on your primary residence. But did you know that you can also refinance your investment property? An investment property refinance can make your loan more manageable and give you the cash you need to improve your tenant’s space. Here’s a quick how-to guide.

Refinance An Investment Property: The Advantages

Refinancing your investment property gives you a number of advantages. Here are some of the reasons why you might want to refinance your investment property.

Lower The Refinance Rates For Your Investment Property

You might be surprised by the difference between an investment property and a primary property’s interest rate. Typically, the interest rate for an investment property runs at least 0.5% – 0.75% higher than what the same borrower might pay for a mortgage on their primary residence.

Investment properties represent a larger risk for lenders. Banks and online lenders know that if you run into financial hardship and can only afford a single mortgage payment, you’ll always choose your personal home.

To account for this risk, lenders charge more in interest on investment properties. Two mortgage payments can be unsustainable, so you might want to search for a lower rate by refinancing.

Refinancing can give you access to lower rates if you can show that you are successfully managing your rental property. Compare your current interest rate with offers from lenders before you refinance.

Change The Mortgage Term

Do you want to change your investment property’s loan terms so you own your investment property free and clear sooner? You’ll pay more each month, but accrue less interest over time by shortening your loan’s term.

You may also want to consider lengthening your loan term if you have trouble keeping up with your monthly premiums. Lengthening your mortgage term means you pay less each month, but you spread your mortgage payments out over time and accrue more interest. Refinancing by changing the length of your mortgagemay or may not change your interest rate.

You may also be able to refinance from an adjustable-rate mortgage to a fixed-rate mortgage. Investment property owners often choose to switch to a fixed interest rate because their rates don’t change on a month-to-month basis, which gives you a more consistent set of monthly expenses.

Cash Out Equity

Until your mortgage balance is zero, you don’t technically own your home free and clear. Your lender keeps a lien on the property until you pay back your mortgage. A lien means that your lender may seize the property if you don’t pay back what you borrowed. This system is the same whether you own personal property or investment property.

As you make your monthly payments and pay off your principal, more and more of the home becomes yours. Home equity is the dollar amount of ownership you have in a property. Your home equity includes any money you put down on the home, plus any principal you’ve paid off. However, paying off interest doesn’t build equity.

For example, let’s say you took out a mortgage for $200,000 with a 20% down payment of $40,000. Over the years, you paid another $40,000 down on your principal and you have $120,000 left on your loan. In this example, you have $80,000 worth of equity in your home that you can tap into.

You can borrow against the equity in your home and access the cash immediately through a home equity loan or cash-out refinance. You can use the money to fund repairs, pay off credit card debt or pay for almost anything else.

Increase Your Rental Income

Are you getting the most rent possible out of your investment property? Refinancing to make a few improvements or repairs might allow you to rent the property out for more money. Some of the most common upgrades you can make to increase your cash flow include:

  • Adding an additional segment to the home to increase living space.

  • Finishing a basement and renting it out as a separate apartment.

  • Repairing


    the roof and replacing missing tiles.

  • Upgrading the major appliances, cabinets and floors.

  • Repainting the interior rooms to make the property look nicer.

  • Finishing or maintaining an outdoor structure like a pool or fence.

  • Upgrading the furnace or central cooling system.

Improving the livability of your space builds goodwill with your current tenants and increases the market value of your home. This means that you can charge more in rent in the short term and make your money back by selling the property for more money later on.

Finance Other Real Estate Investments

You may want to use your home equity to finance a down payment if you see a real estate investment that you want to buy quickly. As your home grows in value over time, your equity increases in value beyond what you pay on your principal.

Many investors will then parlay this built equity into more profit by using it to put money down on another investment. You might have even bigger goals, such as using the money you get from your refinance to invest in a different type of real estate venture, like a commercial property.

Fund Almost Anything Else

Unlike some other types of loans, there are no limitations on what you can do with the money you take away from a refinance. You can:

  • Grow a child’s college tuition fund.

  • Boost your retirement savings.

  • Invest in an up-and-coming stock or company.

  • Consolidate and pay off credit card debt with a lower interest rate.

  • Pay off medical debt.

  • Continue your education by enrolling in college or university courses.

  • Fund repairs or upgrades on your personal residence.

  • Take a dream vacation.

  • Pay for


    a wedding.

  • Buy a new car or boat.

Refinancing can give you access to an easy source of cash – and you can use it for almost anything you need. If you can dream it, you can use the money from your home equity to make it a reality.

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Rental Property Purchase Loan

Get The Best Deal

Real estate investors looking to begin or grow their rental portfolio need a lender they can rely on from the first conversation to the final payoff. Asset Based Lending provides rental loans for 1-4 family properties that are designed to benefit buy and hold investors. These loans are the most competitive on the market with rates as low as 4% and leverage up to 80% LTV. Our unique capital structure allows us to offer single rental loans up to $3M and rental portfolio loans up to $6.25M.

We offer a variety of loan options to meet borrower needs, including 30-year amortization, ARM, and interest-only options. ABL is happy to work with investors of all experience levels, whether you’re expanding your current portfolio or working on your first rental property. We only work with the best appraisers, title agents, and attorneys to deliver our borrowers a five-star experience with every transaction. Our team of experts are always ready to assist you with financing for rental property, so contact us today and experience the most trusted rental loans.


Short-Term Rental Loan

Own Your Dream Property

Many investors are investing in short-term rentals because of the opportunity to increase cash flow and monthly returns. Short-term rental loans and vacation rental loans specifically designed to maximize cash flow are needed to successfuly invest in short-term rentals. Our DSCR-based STR loans can finance the purchase of short-term rentals or help you take cash out of your existing portfolio, no matter what your property’s occupancyis. Our experience in closing thousands of rental property loans every year make us a a private lender you can trust. Lima One’s expert short-term rental property financing team will make the process efficient and easy, and our nationwide reach empowers your investment strategy.

When you’re looking for loans for Airbnb properties, VRBO properties, vacation rental loans, or any other kind of short-term rental loans.



Bridge Loan

More Ways to Save

Bridge loans can be an attractive option for real estate investors because they come with lower fees and interest rates than other types of bridge financing. These bridge loans typically have shorter repayment terms as well, making them easier to manage

How Bridge Financing Works

Borrowers are typically required to pay a higher interest rate than traditional loans, and bridge loans usually have shorter terms. Bridge financing can benefit borrowers who need quick access to funds but don’t qualify for long-term financing or require more flexibility in their loan terms. Bridge loans can also be used for bridge financing.

When Are Bridge Loans Used

Bridge loans are a type of bridge financing used to bridge the gap between closing on a new property and obtaining permanent financing. These short-term loans bridge the gap between short-term needs and long-term financing options and provide immediate working capital for a bridge period of typically 12 months or less. Bridge loans are most commonly used for property acquisition, to bridge the gap between old and new mortgages, or to finance renovations on existing properties. They can also fund large projects such as mergers and acquisitions. Despite often coming with higher interest rates than traditional loans, bridge loans offer several advantages, including more flexible terms, an expedited closing process, fewer restrictions on the use of funds, and access to capital in situations where other funding sources may not be available. Considering bridge financing as an option for your business needs, it’s important to consider both benefits.

Example of a Bridge Loan

Here is an example of how a bridge loan might be used in a real estate transaction:

A real estate investor is looking to purchase a property that needs significant repairs and renovations.

The investor finds a property they are interested in purchasing, but they do not have enough cash to make the purchase and finance the repairs and renovations.

The investor applies for a bridge loan to finance the purchase and renovations of the property. The loan is typically secured by the property itself and usually lasts 12 to 24 months.

The investor uses the bridge loan to purchase the property and make the necessary repairs and renovations.

Once the renovations are complete and the property has been improved, the investor can then refinance the property and pay off the bridge loan with the proceeds from the refinance.

Using a Bridge Loans to buy Rental Property

A Bridge loan, also known as bridge financing, are short-term loan used to bridge the gap between a seller’s current mortgage and the buyer’s new loan. They can be an effective tool when buying a rental property, allowing buyers to make offers on multiple properties without waiting for financing approval from a bank. Bridge loan terms are typically shorter than traditional mortgages, ranging from six months to one year.

Bridge Loan or HELOC

Bridge loans and bridge financing are short-term loans used in certain situations to bridge a financial gap. Bridge loans are best suited for when you need funds quickly, such as when purchasing a new home while waiting for the sale of your old house to close. A bridge loan is a type of loan secured against an asset, such as property or a business, and offers quick access to funding.

On the other hand, Home Equity Line of Credit (HELOC) is a loan secured against your home’s equity. You can use this as long-term financing for large purchases such as home renovations or consolidating debt. HELOCs are best suited when you need a more reliable and consistent source of funds over a longer period.

Bridge loans are temporary financing solutions with shorter repayment terms than HELOCs. While bridge loans can provide quick access to funding for short-term needs, HELOCs may be the better option when you need a long-term solution or a larger loan.

Bridge Loan vs Hard Money

When it comes to bridging loans and hard money financing, several key distinctions can help you make the best decision for your particular situation. Bridge loans provide short-term funding to bridge gaps in funding or transitions between two transactions. As bridge loans are typically used as a temporary solution during an in-between period, they often have higher interest rates than traditional mortgages. On the other hand, hard money loans are asset-based loans secured by real estate and can be used to finance projects such as purchasing an investment property.

Hard money loans are often preferred due to their flexibility and convenience, allowing borrowers to obtain financing quickly without waiting on lengthy approval processes like those associated with bridge financing. The interest rates on hard money loans are typically higher than bridge loan rates, but they offer a more immediate financial solution. Ultimately, it is up to the borrower to decide which type of loan best suits their needs. Both bridge and hard money loans can be powerful tools for accessing capital; understanding their differences.

Banks that offer Bridge Loans

Banks offer bridge loans to individuals or businesses that need a short-term loan to finance an immediate real estate purchase. The bridge loan helps bridge the gap between temporarily owning two properties at once and then selling one, so they can use the proceeds to finance the other.

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Commercial Property Loans

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COMMERCIAL MORTGAGESTake your business to the next level with flexible real estate loans

We provide owner-occupied commercial mortgage loans for companies, corporations, and nonprofit organizations.

Flexible features tailored to your business needs

  • Long-term financing secured by lien on the property

  • Competitive fixed and variable-rate loan options

  • Loan terms typically range from 5 to 10 years

  • Monthly principal plus interest payments based on an amortization of 25 years or less


Our commercial mortgages and real estate loans are a great tool to help your business. We serve customers across a variety of industries including:

  • Manufacturing

  • Wholesale and distribution

  • Retail

  • Hospitality and service

  • Nonprofit and religious organizations

  • Professional Services (medicine, law, accounting, etc.)

Build a stronger foundation for your businessINVESTMENT REAL ESTATE LOANSBuild out your portfolio of properties

Get financing tailored specifically for investors and real estate developers.

Flexible financing you can use to:

  • Purchase a new building

  • Refinance an existing loan

  • Fund the expansion, renovation, or construction of an existing commercial property

  • Build on undeveloped land

INVESTMENT REAL ESTATE LOANSFind the right loan for your real estate investment strategy

Loan terms, rates, and amounts are tailored to your unique needs and collateral. Our real estate loan offerings include:

Construction loans

Finance the construction or renovation of a building for development of commercial or residential investment properties.

Investor-owned real estate loans

Fund the purchase of a non-owner occupied commercial property to renovate and sell, or renovate and hold as an investment property for income. 

Land development loans

Finance improvements on undeveloped land prior to building on the property.

Residential tract development loans

Fund the acquisition of undeveloped land for site improvements and the construction of residential housing.

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Get In Touch

There’s a lot of information to digest when purchasing real estate or refinancing a mortgage. For a thorough and dependable broker, get in touch. I’m happy to discuss your needs.


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