Private Money

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Fix & Flips Loans

Investors can purchase a distressed property or fixer-upper, with the intention of ‘fixing’ the damage and improving its look. The ultimate goal is for the investor to sell or rent the property under the following three conditions:

  1.  Minimize the renovation expense as much as possible.
  2.  Maximize the market value of the property.
  3.  Retain the property for the shortest possible time.
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Bridge Loans

Real estate bridge loans are short-term loans. Their typical duration is between six months and three years. Bridge loans are typically secured by real estate assets. They allow Borrowers to fast track access to capital but at a higher interest rate. 

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Construction Loans

A home construction loan is used to cover the costs of building a home. Once the funds from the construction loan have been used and the house has been built, these loans are typically converted or refinanced into a standard, long-term mortgage loan.

If you want to build a brand-new house from the ground up but don’t have the funds to do so out of pocket, a construction loan will likely be your best option.

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Fix and Flip Loans

Locations: Nationwide

Property: Non-Owner Occupied SFR 1-4, Multi-Family

Term: 12-18 month

Loan Amount: $100,000 to $10 Million

Interest Only Starting at: 8.5%

Loan to Value: Up to 85% Purchase

Rehab Funds: 100%

Max After Repair Value: 75% ARV

No Pre-Payment Penalty

Terms based on experience

Bridge Loans

Locations: Nationwide

Property: Residential and Commercial

Owner* and Non-Owner Occupied

Term: 12-36 Months Initial Term

Loan Amount: $100,000 to $50 Million

Interest Only Starting at: 8.49%

Loan to Value: Up to 80% Purchase

No Pre-Payment Penalty

Construction Loans

Locations: Nationwide

Seasoned Investors with a proven track record of 1+

Property: Residential and Commercial

Term: 12 – 18 Months

Loan Amount: $250,000 – $20 Million

LTC: Up to 80% of Total Project Cost

Interest Only Starting at: 8.45%

No Pre-Payment Penalty

No Pre – Pay Penalty

Recently Funded

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Phone: (951) 901 5304

Ryan Garland


A rising star in the world of California real estate, Ryan has literally done it all—from brokering a billion dollars in mortgage transactions to engineering and helming large scale construction projects. He was ranked a Top Producer in the country for five years and was the #1 Top Originator in California for four. But Ryan saw a different path moving forward and consequently decided that the country was ready for a brand new CRE investing mindset.

Venturing beyond the bounds of a strictly “millionaire’s club” mentality, Ryan created a real estate management firm that would democratize real estate investing by integrating a cutting-edge technology driven approach with an attitude open to capitalizing on opportunities that not every CRE investment company might be able to. The Paradyme approach is one that—even in the face of a global crisis—seizes opportunities by filling critical gaps.

In 2008 in the face of total economic upheaval, Garland and company focused on the emergent “flip” market and in the process, turned what could have been an investor’s nightmare into a lucrative investing protocol. And in 2020 and 2021, the same mindset applied as Paradyme sought out those deals that made sense in an economic downturn hastened by a worldwide pandemic. Where banks and institutional lenders were dropping off the map when it came to construction and distressed asset private debt lending, Paradyme answered the call. With a series of new funds, we helped certain regions of the country get back on track while enabling our fund investors to experience measurable returns.

Marc Pierguidi


Marc is the Executive Director of Family Office Services at InnoVise Family Wealth Advisors where he provides custom CFO solutions to high-net-worth families and individuals. Building on over 20 years of experience, Marc specializes in accounting services, cash flow management, tax planning, expense control, banking relations, real estate investments, and portfolio/cash management services.

Throughout his career, Marc has served as an accounting and finance professional to institutional investors, entrepreneurs, and high net worth individuals. In 2000, Marc received his Bachelor’s in Business Administration with a focus on Accounting from Siena College in New York State. He became a Certified Public Accountant in 2002 after gaining valuable post-graduate experience as an Auditor at Arthur Andersen. From there, Marc went on to serve as an Accounting Manager within the real estate group at J.P. Morgan in New York City. Providing accounting and financial reporting for a $20 billion portfolio of real estate, Marc was able to help investors and executives at J.P. Morgan with capital allocation, fund raising, and compliance.

In 2006, Marc joined New York City based Clarion Partners LLC, then the largest real estate investment manager in the world. In addition to serving as the Controller for a portfolio of real estate owned by New York State Common Retirement Fund, he was tasked with setting up a new real estate platform for opportunistic and value-add real estate opportunities. Marc was able to partner with the Portfolio Manager and Investor Relations department to successfully raise funds from high-net-worth individuals and deploy this capital across a diverse set of real estate assets comprised of multi-family, self-storage, office and industrial properties. From treasury, to accounting systems and performance reporting, Marc and his team created a seamless and successful real estate investment platform.

Marc relocated to Los Angeles in 2008 and joined real estate investment manager and developer CIM Group. Overseeing portfolios of real estate owned by pension funds and high net worth individuals, Marc was able to provide transparency, liquidity management and bank/debt compliance during the financial crisis. Marc sat on the Capital Markets Committee at CIM Group, where executives and ownership met to triage, forecast and ensure the overall health of the real estate portfolios. Marc worked closely with his team to ensure quick and accurate monthly accounting cycles, robust financial reporting and up to date, live data reporting to help the company maintain liquidity, expand, fund-raise, and preserve the profits of the portfolios.

In 2012, Marc joined a high-net-worth single-family office as the CFO. Marc was a key advisor to the Chairman and his family, providing tax and estate planning, financial reporting, investment structuring and overall family office administration. From real estate acquisitions, fuel distribution networks, manufacturing plants, to ground up multifamily developments, Marc was able to provide full-cycle accounting, equity and loan sourcing, asset management and tax compliance to a diverse array of assets on behalf of a high net worth individual and his family. Marc was also responsible for all aspects of financial operations, including cash management, financial reporting, income taxes, financial statement audits, budgeting, employee benefits and information technology.

Joanna Dreier

Director of Operations

As Paradyme Funding, Inc.’s Director of Operations, Joanna Dreier brings with her years of experience in account management, operations, customer service and retention and process management. Prior to joining the team at Paradyme, Mrs. Dreier managed a small financial services company that financed home mortgages, provided insurance services and wealth management, along with a real estate division.

Before this, Mrs. Dreier grew a startup corporate housing company from inception to a global presence in just four years. As a highly motivated, solutions-oriented professional with sound time and resource-management skills Joanna continues to be instrumental in implementing and executing strategic administrative and operational initiatives within Paradyme to enhance productivity, quality, client service and overall bottom-line performance. Mrs. Dreier holds an MBA from the Keller Graduate School of Management of DeVry University and a Master of Criminal Justice from the University of Central Florida.

Madison LeBlanc

Account Executive

With an extensive background in marketing and real estate, Madison LeBlanc joins the Paradyme Team as Nashville’s newest Account Executive. A longtime resident of Music City, Madison keenly understands the climate of the Nashville market. She offers her clients both firsthand experience of the region as well as deeply nurtured insights into the city’s booming real estate scene.

Madison is also conversant with real estate on the west coast, having worked in the luxury market in Los Angeles and Orange County. After relocating to Tennessee, she decided to become a real estate agent herself, and has since aligned with a local brokerage boasting an esteemed reputation. A motivated, avid networker, Madison is heavily involved with her community and has formed lasting connections with clients and peers alike.

Madison is originally from Southern California and loves skydiving, exploring National parks, reading, and spending time with her two cats.

William Brown

Loan Officer

William T Brown is a Loan Officer at Paradyme, where he strives to achieve success day in and day out. With over ten years of expertise, he has provided impeccable customer service while building his network and maintaining his clients in the marketing and real estate industries. Before joining Paradyme, Will had gained his experience in Nashville as Loan Officer, maintaining a $40+ million book of business. He has a passion for achieving goals in and out of the office.

Will resides in Nashville, TN and attended the University of Alabama where he studied Civil Engineering. He enjoys playing golf, working out, and spending time with friends and family.

Kristen Swanson

Loan Processor

Kristen Swanson is a Loan Processor working with the Paradyme Team. It was Kristen’s ability to multitask while keeping everyone on the same page that enables her to thrive in this role, and consequently set the rest of the team up for success.

With a history in sales and customer service, Kristen brings to the table a client relations proficiency that is a distinctive part of the overall Paradyme mindset. As with every team member, Kristen is customer-driven and consequently helps manage client interactions seamlessly. Her social media savviness has also helped Paradyme extend their client outreach.

Kristen is mom to a son and daughter and enjoys spending her days off engaged with her kids.

Paradyme Funding  Inc. |    NMLS #194554   |   DRE #02014656