End-to-End Relationship Based Lending & Credit Risk Management Advisory.
With over $2.8B in real estate originations and acquisitions, we deliver structured solutions across diverse portfolios – aligning capital, strategy, and execution to drive lasting financial success.
Trusted Financial Solutions
Comprehensive Lending & Advisory Services
Offering tailored financial solutions for real estate investments, ensuring strategic guidance and risk management for our clients.
Trusted Financial Solutions
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Frequently Asked Questions
What is your lending process?
Our lending process begins with an initial consultation to understand your needs, followed by a thorough assessment of your financial situation. We then present tailored loan options and guide you through the application process.
What are your eligibility requirements?
Eligibility requirements vary by loan type but generally include a minimum credit score, income verification, and property appraisal. We assess each application on a case-by-case basis to find the best fit for our clients.
How long does the loan approval take?
Loan approval times can vary, but we strive to provide a decision within 5-10 business days after receiving all necessary documentation. Our team works efficiently to expedite the process for our clients.
Do you offer refinancing options?
Yes, we offer refinancing options for various loan types. Our team can help you evaluate your current loan and determine if refinancing is beneficial based on your financial goals.
What types of loans do you offer?
We offer a variety of loan products including DSCR loans, bridge loans, SBA loans, and multifamily financing. Each product is tailored to meet specific borrower needs and investment strategies, ensuring optimal solutions for our clients.
Need assistance with your financing?
We’re here to help you navigate your financing options and provide tailored solutions. Don’t hesitate to reach out with your questions or to discuss your needs further.
Carlos Campos, MBA.
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Carlos Campos, MBA.
SVP | Managing Director of Lending | Head of Underwriting & Credit
I work with many of the nation’s top banks—including Wells Fargo, Bank of America, Chase, First Citizens, Citizens, Citibank, U.S. Bank, and PNC to open doors for business owners seeking financing solutions not readily available in the open market. Over my career, I’ve originated and managed more than 1,000 transactions and sourced over $3 billion across commercial real estate, business credit facilities, and residential investment portfolios. My experience with institutional credit policies, deposit relationships, and long-term banking partnerships allows me to secure competitive rates and structure financing strategies that truly fit each client’s goals. For business owners, that translates into access to capital that drives growth while keeping terms sound from a banking perspective. My focus is always on creating lasting value for both clients and institutions through strategies that balance opportunity with disciplined risk management.
Director of Lending | Credit Risk, Acquisitions & Investments | CRE, Multifamily, Industrial Lending & Real Estate 3k+ Connects Across Middle Market Banking, Real Estate and Development.
CRE & SFR Testimonials
Over $1B closed | Specializing in Deposit Based Lending Relationships.
★★★★★
Average Rating: 4.9/5 from 50+ Reviews
Review for Carlos Campos
Carlos’s professionalism and dedication made a significant difference in the success of our investment property. Our group came to him needing a fast decision on a conventional deal and he delivered. From application through underwriting, structuring, and final approval, the entire process was completed in just 6 days. My wife and I are the main investors, and felt supported at every stage. The outcome exceeded our expectations. The results speak for themselves. He did such a good job that we sent him 8 total loans, and each loan got easier and easier.
★★★★★
Alexander G.
CRE | C&I Loan Testimonial
Banks were quoting 6.5% – to 7.10%, Carlos secured us a 25-year fixed loan at just 4.99% with only a 3-year prepay for our healthcare asset. That single decision is saving us over $1.2 million in interest over the life of the loan. From start to finish, the process was seamless. His attention to our relationship, financial details, deal structuring, insider-bank knowledge, and commitment to our success made all the difference. I’d highly recommend you to reach out and let him run with your debt problem. He will figure it out. He did for me, He leveraged our banking relationship for favorable lending terms. I’d highly recommend Carlos.
★★★★★
J. De
CRE Acquisition & Purchase Testimonial
After being denied six times by big banks, I was ready to give up. No one could understand how to underwrite my loans, I was denied several times, no one understood my business, not even my own relationship bankers, until Carlos was found word of mouth. He not only got me approved with a major lender, but also advised and re-structured the company to acquire a $20 million industrial property. His credit and loan expertise, deal creativity, and belief in my vision changed everything, we’ve done 9 transactions ever since and my wealth has grown by at least $25M with having him as our go-to lender.
★★★★★
Julio W, CEO of $35M year company
VA Loan Testimonial
Carlos’ made our VA refinance effortless. From start to finish, he closed our IRRRL in just 3 days; faster than we thought possible. He was proactive, transparent, and truly understood the urgency of lowering our rate. His speed and professionalism saved us time, money, and stress. If you’re a veteran looking to refinance, I highly recommend working with Carlos.
★★★★★
M. Brown
1,000+
Loans Closed
30+
Banks, Lenders, and Wholesalers
99%
Close Ratio
4.95%
Average Funded Rate
Your One-Stop Shop for CRE, Multi-Family, and C&I.
Sale. Acquisition. Lending. Brokerage. Asset & Property Management. Construction Management. Risk Management. Portfolio Optimization. Wealth Through Real Estate. All under one roof.
We help you unlock value in your current real estate portfolio and position you to acquire what’s next.
Whether optimizing your current assets, cashing out, or acquiring your next investment property, we deliver insight-driven solutions designed for lasting impact.
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Next Level Relationship Based Lending
Carlos is always incredibly helpful, insightful, and genuinely knowledgeable throughout the purchase, sell, and or loan process. He handles every real estate transaction for my family, he’s easily bought, sold, refinanced several properties in the street where my Mom lives alone, not including all the transactions for my siblings and extended family. We have been a client since 2004 and he always delivers for my real estate and business lending needs.
- A. Edeth
Strategic Wealth Management Through Real Estate & Capital Markets
We help investors and operators build wealth through intelligent financing, real estate advisory, and disciplined portfolio strategy.
Investor Real Estate & Loan Products
Acquisition
SFR | Apartments | Industrial | SNF’s
Investor
We specialize in financing 1–4 unit, 5+ units, Land, Skilled nursing facilities, investment properties through DSCR, No-Ratio, or Full Documentation programs. Whether you’re seeking fixed-rate terms or interest-only options, we tailor the loan structure to align with your rental strategy and ownership goals.
SFR | Investments | CRE | Land Interest Only | Fully Amortized | Conventional | Interest Only
CRE Healthcare
CRE| Clinics| Industrial | Skilled Nursing
We provide customized commercial real estate financing for income-producing assets including office buildings, shopping centers, industrial warehouses, and mixed-use properties. Our lending programs are structured for stabilized assets or value-add repositioning and include both bank and non-bank options.
CRE | Bridge | Permanent | Refinance | Stabilized or Value-Add | Up to 75% LTV | Recourse & Non-Recourse
Multi-Family
5+ Units | Stabilized or Transitional
We structure multifamily loans for apartment buildings, ranging from stabilized cash-flowing assets to heavy value-add repositioning. Our lending partners include banks, agencies, debt funds, and private capital. We tailor fixed, floating, or interest-only terms based on rent rolls, DSCR, and property performance.
Multifamily | Bridge | Perm | Value-Add | DSCR | 5+ Units | Agency | Freddie Mac | Fannie Mae | Non-Recourse Available
Commercial & Industrial
Acquisitions | Dispositions | Owner-User | Equipment | Working Capital
We offer tailored Commercial & Industrial (C&I) loans for small to mid-sized businesses seeking to acquire property, expand operations, or refinance existing debt. Lending options include owner-occupied real estate loans, business term loans, and equipment financing—underwritten using tax returns, global cash flow, and company financials.
C&I | Owner-User | Working Capital | Equipment | Business Expansion | Global Cash Flow | Term Loans | Credit Line
Bridge
Acquisition | Refinance | Transitional Assets
Bridge loans provide fast, flexible short-term financing for acquisitions, value-add repositioning, and refinance opportunities. Perfect for deals that need quick closings, our bridge loans feature interest-only terms and minimal documentation. We structure solutions around the business plan, not just the in-place cash flow.
Bridge | Interest-Only | Short-Term | 6–24 Months | Up to 85% LTC | No DSCR | Fast Closings | Non-Recourse Options
Construction
Ground-Up | Rehab | Spec or Perm-Ready
Our construction financing solutions support ground-up residential, multifamily, and commercial developments. We offer flexible draw schedules, interest-only payments during construction, and up to 85% LTC. Ideal for developers building to sell or refinance into permanent agency or DSCR loans.
Construction | Ground-Up | Fix & Build | LTC to 85% | Interest-Only | Builder Loans | Value-Add | Draw Schedule
Acquisition | Rehab | Resale
Fix & Flip Loans
We offer short-term financing for real estate investors acquiring distressed or undervalued properties to renovate and resell. Our Fix & Flip loans include rehab draws, fast closings, and flexible credit requirements—structured around the ARV (After Repair Value) of the property, not just current condition.
Fix & Flip | 12–18 Month Term | Interest-Only | Up to 90% Purchase | Fast Closing | LLC or Personal Name
Fix & Flip Loans Made Easy
Owner Occupied Real Estate & Loans
SBA Loans 504 / 7(a)
Owner‑Occupied Real Estate & Business Acquisition
SBA-backed small business financing with long-term fixed rates, typically for real estate acquisition or expansion.
Common criteria: Business net worth < $20M, net income < $6.5M, 10–15% down, occupancy requirement (often ≥ 51%), up to $5 – $5.5M limits.
SFR 1-4 Unit
2nd, 3rd, 4th Investment Property
Full-document financing for 1–4 unit residential properties; ideal for borrowers with strong credit and predictable income. Conventional, High Balance, Jumbo, Super jumbo, to $25MM.
Common criteria: Full income verification, LTV ≤ 80%, credit score typically ≥ 700, conforming underwriting standards.
IRRRL (VA Streamline Refinance)
Interest Rate Reduction Refinance Loan
VA refinancing for existing VA mortgages—designed for speed and minimal documentation, offering lower rates without appraisal.
Common criteria: Must originate VA-to-VA refinance, lower interest rate requirement, no income verification or appraisal needed.
DSCR Standalone Loans
Property Cash Flow–Based Qualification (Standalone or SFR)
Ideal for investors lacking traditional income documentation—qualification relies on property’s net operating income.
Common criteria: DSCR of 1.1–1.25, LTV up to 80%, minimum credit score 660, loan limits typically up to $3M+.
Construction Loans
Ground-Up | Rehab | Spec or Perm-Ready
Our construction financing solutions support ground-up residential, multifamily, and commercial developments. We offer flexible draw schedules, interest-only payments during construction, and up to 85% LTC. Ideal for developers building to sell or refinance into permanent agency or DSCR loans.
Construction | Ground-Up | Fix & Build | LTC to 85% | Interest-Only | Builder Loans | Value-Add | Draw Schedule
By Invitation-Only
CRE real estate, cpa loans, doctor loans, attorney loans, developer loans
Healthcare CRE
As a trusted California broker and lender, I specialize in Healthcare CRE, Doctor, CPA Attorney loans and Healthcare Commercial Real Estate financing tailored for physicians, dentists, and medical professionals. Whether you’re looking to purchase a medical office building, refinance an existing practice, or expand into a new healthcare clinic, I provide competitive loan programs designed to fit the unique financial needs of doctors and healthcare businesses. I can assist with the acquisition, disposition, lease, management and annual loan reviews for physicians.
Partner with Hope St. | Your Strategic Capital Markets Wealth Advisor
Unlock smarter real estate lending, advisory, and portfolio solutions with a trusted financial partner. We help entrepreneurs, investors, and business owners gain access to institutional-grade insights, debt strategies, and wealth-building capital—all under one roof.