Private Money

Funding Your Loans Has Never Been So Simple!

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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DSCR Loans

A DSCR loan qualifies borrowers through an investment property’s cash flow rather than the borrower’s income. DSCR loans are frequently used by real estate investors to qualify for mortgages and buy investment properties.

Here’s how DSCR is calculated:

The higher the DSCR, the better the ratio. A DSCR above 1 means that an investment property has positive cash flow and enough net operating income to cover its debts. A DSCR below 1 means it has a negative cash flow, and not enough income to pay its debts. As a rule, anything above 1.25 is considered a good DSCR.

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Bridge Loans

Real estate bridge loans are short-term loans. Their typical duration is between twelve and thirty-six months. 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 2-9

Term: 6-18 month

Loan Amount: $100,000 to $2,000,000

Interest Only Starting at: 12%

Loan to Value: 80% LTAIV

Rehab Funds: 100%

Max After Repair Value: 75% ARV

No Pre-Payment Penalty

Terms based on experience

FICO: 680 min

Bridge Loans

Locations: Nationwide

Property: Residential and Commercial

Owner* and Non-Owner Occupied

Term: 6-18 Months Initial Term

Loan Amount: $100,000 to $2,000,000

Interest Only Starting at: 12%

Loan to Value: 80% LTAIV (65% Refinance)

No Pre-Payment Penalty

FICO: 680 min

Construction Loans

Locations: Nationwide

Seasoned Investors with a proven track record of 2+

Property: Residential and Commercial

Term: 6-18 Months

Loan Amount: $100,000 – $2,000,000

LTC: 80% of Total Project Cost

Interest Only Starting at: 12%

No Pre-Payment Penalty

No Pre – Pay Penalty

FICO: 680 min

DSCR Loans

Locations: Major Metro Areas

Property: Non-Owner Occupied

Term: 30 years

Loan Amount: $100,000 to $2,000,000

Interest Only Starting at: 8.25%

Loan to Value: 75% to 80% Purchase, 70% Cash-out

SFR: 1-4 units; Multi-Family 2-9

Prepayment Option For Better Pricing 

FICO: 680 min

Ryan Garland

Founder and Chairman

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.

Mike Reveley

CEO

Michael Reveley currently serves as the CEO of Paradyme. He is an experienced investment professional with a demonstrated history of bringing capital and hands on management expertise across multiple market sectors. He previously worked as the Managing Director, Head of Fund Distribution for Scarsdale Capital, a distressed debt fund located in Los Angeles. Prior to Scarsdale Capital, Mr. Reveley served as the COO and Executive Director of Structural Monitoring System (ASX:SMN), an aerospace technology company with operations in the US, Australia and Canada. Mr. Reveley helped oversee the Company’s recapitalization, restructuring and subsequent growth to over 100 employees globally.

Mr. Reveley was the co-founder and CIO of SEAL Capital, a Los Angeles based global macro hedge fund. Prior to forming SEAL Capital, Michael was the co-founder and CIO of Seagate Global Advisors. Seagate was an alternative asset management platform offering strategies in global macro, emerging market fixed income and China based private equity via an affiliated company, Seabright Asset Management – a joint venture with China Everbright Bank in Hong Kong.

Mr. Reveley started his career on Wall Street. He was a Director at Swiss Bank Corporation in New York and London responsible for Eurobond and Global Bond origination in North America. Prior joining Swiss Bank, Michael was a VP at First Interstate Bank responsible for the Derivative Sales Team in New York.

Mr. Reveley received his bachelor’s degree from the University of Southern California in Economics.

Marc Pierguidi

CFO

Building on over 20 years of experience, Marc provides operational and financial leadership to high-net-worth families, entrepreneurs and their business holdings.

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 multi-family 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.

In 2020, Marc became the Executive Director at InnoVise Family Wealth Advisors where he served as on outsourced CFO and COO to high-net-worth families, business founders and entrepreneurs. Marc’s clients consisted of multi-generational families with large and diverse investment portfolios, businesses in the real estate and credit space as well as technology start-ups founded by successful entrepreneurs. Marc’s leadership on all facets of their business from accounting, tax strategy, cash management, forecasting, human capital, debt/equity raise, to investor relations provided a solid operational infrastructure on behalf of his clients.

In September 2022, Marc joined Orchard Family Office Services, a boutique family office services firm headquartered in Southern California, which provides custom finance and legal solutions for ultra-high-net-worth individuals and operates as the CFO, COO and General Counsel for the families thereof.

Michael Floryan

Legal

Mr. Floryan has an extensive background in law, business and finance. He is a California attorney and founder of Floryan Law, P.C., who specializes in serving ultra-high-net-worth clients as their General Counsel and family office executive. In this role, Michael is responsible for all legal matters concerning, and the management and strategic growth of, a diverse portfolio of investment assets, including approximately $2 billion of real estate throughout the United States, comprised of industrial, medical, multi-family, traditional office, retail, self-storage, airport hangars, mixed-use buildings. land holdings, fixed-base aircraft fueling operations in Southern California and ongoing residential and commercial development projects throughout California. In addition to managing extensive real estate portfolios, Michael is experienced in overseeing clients’ operating businesses in numerous industries and hospitality portfolios. Michael has also pioneered and established hard money lending arms for his clients, which operate as bridge financing vehicles for real estate acquisitions and gasoline station owners and operators. Beyond his technical transactional legal practice and executive services, Michael acts as his clients’ personal attorney and counsel and handles any and all matters affecting his clients, which include, among other things, overseeing and managing outside litigation attorneys, administering trust and estate matters (including overseeing Form 706 filings), handling and resolving intrafamily disputes, and operating as his clients’ field general when needed.

In August 2022, Michael found Orchard Family Office Services, a boutique family office services firm headquartered in Southern California, which provides custom finance and legal solutions for ultra-high-net-worth individuals and operates as the CFO, COO and General Counsel for the families thereof.

Prior to serving ultra-high-net-worth and family office clients, Michael worked for Los Angeles law firms Liner LLP (now DLA Piper) and Sklar Kirsh LLP as a real estate and corporate finance attorney. Michael counseled clients on a broad array of corporate and real estate transaction issues, including, but not limited to, limited liability company and corporation formation, acquisition of competitors’ assets in a bulk sale, acquisition of assets in a bankruptcy auction, environmental impact report analysis and diligence, commercial lease transactions, lease agreement compliance, financing and refinancing multi-family residential properties and commercial properties, joint ventures and syndications for the purposes of property acquisition, property operation, property management, acquisitions, dispositions, and hard-money lending company formation and operation.

Prior to his woek in the legal field, Michael was a land development manager/coordinator for homebuilder Pardee Homes, where he managed all aspects of the infrastructure and development of nine master-planned communities totaling over 4,100 acres of residential development in California.

Michael earned his Bachelor of Science degree in Civil/Structural Engineering from the University of Southern California and his Juris Doctor degree from the Pepperdine University School of Law, where he graduated cum laude. In addition, Michael is a Straus Institute for Dispute Resolution Certificate recipient. Michael is published in both the Pepperdine Law Review and the 2011 Thompson West Zoning And Planning Law Handbook. Michael is an active member of the California Bar Association and was elected as a Southern California Super Lawyers Rising Star, by Super Lawyers and Los Angeles Magazine in 2014 and 2015, and as a Rising Star by the Association for Corporate Growth Los Angeles (ACG LA) in 2014.

Mandi Heath

Loan Processor and Post Closing Coordinator

As a Mortgage Loan Officer, Amanda Heath understands that she is guiding individuals and families toward their futures. This is why Amanda is incredibly well-versed as far as all available loan options and strategies for assisting clients throughout the course of their investment/real estate journeys. Amanda has lived in, or around, the Greater Nashville area for almost 20 years. She is or has been licensed in Tennessee, Louisiana, Texas, Kentucky, South Carolina, and Alabama. And in her first year as a licensed MLO, she closed out over double the national average for new loan officers.

Amanda is very active with her kids and family; she’s a devoted LSU & New Orleans Saints fan, and especially enjoys the simple life working in her garden or riding in her jeep with the top off.

Alesha Putnam

Jr. Loan Processor

Alesha, a resident of East Texas, is a dedicated Junior Loan Processor specializing in investment loans. With a passion for her job, Alesha brings her expertise in draw requests, extension requests, and document gathering to ensure seamless loan processing for her clients. Alesha's love for her job is evident in her unwavering commitment to providing exceptional service. Her attention to detail, efficient work ethic, and genuine care set her apart as a trusted partner in the investment loan journey.

When she's not hard at work, Alesha embraces the joys of spending quality time with family and friends. You can often find her at the river or lake, relishing outdoor adventures and creating cherished memories. Her hobbies include hunting, fishing, and exciting rides on side by sides and 4-wheelers. Alesha takes delight in organizing BBQs and gathering around bonfires, where laughter and good company abound.

With her strong work ethic, love for her job, and genuine appreciation for quality time spent with loved ones, Alesha strikes a harmonious balance between her professional and personal life. She finds fulfillment in both her dedicated role as a Junior Loan Processor and the memorable moments she creates with family and friends.

Corey Walker

Loan Originator

Corey Walker has a been working in finance for over 10 years now with experience ranging from real estate investing, wealth management, lending, private equity investments, and more. Corey personally owns several income producing properties and has taught many others how to find and secure properties to build their own investment portfolio. While living in Los Angeles, Corey worked in the fix and flip market for several years and has a thorough understanding of how to analyze a property. His mission is to provide clients with tools and strategies to help them reach their goals.
Personally, Corey has been happily married for over 11 years and has 2 beautiful sons. The Walker family enjoys spending their time doing outdoor activities such as hiking, biking, and camping.

Colton Richardson

Loan Originator

Colton J. Richardson embarked on his lending career in the thriving mortgage hub of Detroit, Michigan. With experience gained from prominent financial institutions and specialized private practices, he came to realize the paramount importance of a reliable partner for clients in their pursuit of capital.

Understanding that clients don't necessarily require all the funds upfront, but rather the assurance of it, Colton recognizes his role in making that promise. He approaches each client with an unwavering sense of responsibility and personalized attention, ensuring their needs are met every step of the way.

Born and raised in Rochester, Michigan, Colton holds a Bachelor's of Science degree in Advertising and Management from Michigan State University. Additionally, during his time at Miami of Ohio, he developed a passion for architecture and history, having minored in Roman Civilization. His extensive travels throughout Europe have further enriched his knowledge in these areas.

Outside the office, Colton cherishes moments with friends and family, often spending his leisure time traveling or indulging in water-related activities. His diverse interests and experiences contribute to his well-rounded perspective, allowing him to connect with clients on a deeper level.

Paradyme Funding  Inc. |    NMLS #1945541   |   DRE #02014656

Temecula, CA.

Nashville, TN.

+1 (866) 218-4739

loans@paradymefunding.com

MA Itake