Located in the beautiful Temecula Wine Country, Ryan J. Garland specializes in short term, commercial and residential real estate loans throughout California. His unique approach to financing, utilizing private capital, allows the speed and flexibility that traditional banking simply cannot provide. The diversity of his funding programs allows for shift changes to occur and coincide with the current market at any given time. It was this diversity that prompted Ryan to name the company Paradyme Funding.
Ryan built the foundation of his career in Civil Engineering, followed by a position with Aegis Lending, focusing on subprime lending. Ryan established himself with his branding as: “Hard Money Ryan,” and to this day, is still sought out by it. Ryan thereafter worked for Pelorus Equity Group, where he was the only originator, and face of the company for four years. Following his time at Pelorus, he expanded his reach working with Anchor Loans — the largest lender on the West Coast, with a staff of 90, and $3.5B in annual transactions. Ryan’s success at Anchor lead him to transition to Legacy Private Funding, wherein his career accelerated as a result of his lead role in developing the company from the ground up.
By 2009, Ryan successfully closed 276 Short Sales for Leasebacks, with $33.2M deployed, maintaining a ROI of 76% for over three yrs. In February 2010, they closed 126 short sales and decided to begin private lending on fix-and-flips with his investors’ funds. From 2011-2014, Ryan was the number one private funding originator in the state and third in the nation. He funded more than any other company in California as an originator with a 100% Financing JV program; 1.5 years ahead of any other lender, which allowed him to launch his career into the luxury market. Ryan is also the founder of a Luxury Real Estate Network for which he’s successfully facilitated ground-up construction and development funds.
In 2012 alone, Ryan and his staff of three deployed $140 million in private funding. It was from this success, and his extensive background, that in 2014 Paradyme Funding was formed. In the last five years, he has successfully raised and deployed private funds in excess of $350M on 1st and 2nd Trust Deeds.
Ryan has hand-picked a strong team of individuals with high levels of expertise in not only the real estate investment industry, but also traditional and luxury real estate, banking, insurance, wealth management, law, quality assurance, marketing, and motivational coaching–to name a few. Paradyme Funding consists of a Business Development and PR Manager, Director of Operations, Marketing Specialist, Processors, Underwriters and its own Wholesale Division. Paradyme has also retained legal counsel with over 40 years of real estate experience, and is an integral part of the management team. Because of this dynamic organization, his clients have grown to rely on the skills, experience, and knowledge of a highly professional team that can deal s with virtually any aspect of the real estate industry.
Ryan works closely and openly with brokers, agents, borrowers, and investors to ensure a secure and timely transaction. His clients can count on a strong commitment to the highest standards of business ethics and post-funding management. Every Paradyme project is overseen by Ryan, from beginning to end, to make certain his clients are protected and their investments are watched over with their best interests in mind.
Paradyme’s investment requirements are primarily based on equity in the property, along with consideration of the After-Repair-Value (ARV). Loans are secured by deeds of trust on real estate and are further secured by a promissory note and personal guarantee. All loans are serviced through a nationally recognized, licensed, bonded and insured loan servicing company.
Ryan is a Southern California native, growing up in a law-enforcement family. Ryan strongly believes in giving back to the community and helping others that are less fortunate, and is known for his kindness, generosity, and his huge heart. He strives to live life with integrity and honesty by always making the choice to do the right thing, under any circumstance. Ryan gives his time to multiple causes, foundations, and community charities. As committed as he is to his company, he enjoys spending as much time as possible with his wife and three kids, golfing, traveling, and is currently pursuing his long-time dream of becoming a pilot. Ryan welcomes you to visit the company’s website: www.ParadymeFunding.com to learn more about the dynamic of Private Funding and the Paradyme Funding team.