Disclosures: This is not a commitment to lend. All offers of credit are subject to approval. Restrictions may apply. TLC Financial Network, Inc. reserves the right to amend rates and guidelines. TLC Financial Network, Inc. is an Equal Housing Lender.

*Market value will be determined based upon an appraisal performed by a licensed appraiser, broker price opinion performed by a licensed real estate broker, and/or internal valuation analysis.

*Lite or No Doc Programs may have a higher interest rate, more points and/or more fees than other products requiring more documentation.

**ALL Asset Classes Considered

Just Funded! Closed in 33 days! Our new client was referred to us by one of our Residential Lender’s in our Network. These well-seasoned Real Estate Investors have built an impressive portfolio of 1–4-unit investment properties but were ready to graduate into the 5+ unit arena. We went with one of our top banks, that still offer highly competitive rates and terms on their portfolio product, for quality well-located properties. The lifesaver is their program is a true “market rent” program and underwrites based on the appraiser’s forecasted NOI (Net Operating Income) and the loan amount is based off the appraised value and not the purchase price. This property had two (2) vacant units out of eight (8) at the time of closing. The deal would have been dead at any other bank in the marketplace! This would have been a bridge deal to get the LTV (Loan to Value) we were able to achieve at a far worse rate and terms. We even had to convince the listing agents to trust us to get it done. They couldn’t believe it! 

We are thrilled that our residential lender was able to refer us to your company for our first commercial loan! Kevin and the TLC team were so knowledgeable and responsive and a sincere pleasure to work with. We look forward to doing many more transactions together in the future. ~ Ugadi24, LLC, Real Estate Investors

Just Funded! Closed in 57 days! We could have closed considerably sooner but the Seller used a 30-day option to extend escrow. Our longtime VIP clients targeted a considerably under rented 16-unit apartment building located in San Bernardino with existing vacancies, in a submarket they currently own in and are very familiar with. We were engaged right away and needed to move quickly to secure financing before removing all their contingencies. We shopped the deal with our vast network of aggressive private capital lenders and were able to negotiate a 12-month fixed rate at 9.380%, with two (2) three (3) month extensions at a .300% fee per extension. The loan features interest only payments, NO prepayment penalty, at an extraordinary 75% LTV, utilizing a private capital product with NO Bank hassles! The client’s business plan is to notify each tenant (current occupants only) under AB 1482’s just cause eviction law(s) and will renovate the entire property to achieve the high side of market rents. Our longtime VIP clients couldn’t have been happier with the financing results we delivered for them again!

Kevin, as originally advertised by our Real Estate Broker several years ago, you and your all-star team always deliver exactly what you say you will. Your clients for life! ~ Daniel Talamentes, Sr. & Daniel Talamentes, Jr., Investors

Just Funded! Our longtime VIP client purchased this property with the intention of working with the City of Los Angeles to draft plans and obtain permits for the development of a 33-unit Multifamily building. The plan was to flip the property as an RTI, and not improve the existing structure. However, with the LA Mayor introducing Executive Directive 1, all non-affordable housing projects have taken a back seat with LA City’s permitting department, causing RTI values to go down. The borrowers called an audible on their game plan and found that the best return on investment was to renovate the existing 6-units and re-rent at market. They were successful in negotiating buyout agreements for all 6 units, but time was not on their side with their original bridge loan coming due. We worked with over a dozen private capital lenders to carve out a deal that seemed almost too good to be true and bought them all the time and capital they needed to reposition this asset. Most importantly, we were able to negotiate an interest reserve based on LTC (Loan to Cost), which is very rare, to buy the borrowers 8-9 months with no payments while the property is vacant, so they are not bleeding the whole time they are repositioning the asset.

Kevin, you guys came through again as promised! You and your team always deliver exactly what you say you will. ~ David Kakan, Investor     

Kevin, for over three decades and over 50 property transactions, TLC has provided us with financing that has been consistently on time and at the highest attainable loan to value. I would like to thank you and your entire team for all the years of hard work and tenacity. ~ Jim Colombo, Investor, Syndicator & President of Pointe Vista Management, Inc.

Kevin, as usual, you always get my deals done at what you say you can do and more! ~ Your longtime client, Jeannie Rios., Investor

Just Funded! We are happy to report that we just successfully closed the perm debt loan for our longtime VIP clients! They acquired this value add 8-unit apartment building in the coveted Long Beach submarket utilizing our bridge to perm debt program, approximately one (1) year ago. We underwrote this deal last year based on a very realistic exit strategy, to ensure we would not be doomed with the likelihood of higher rates on the horizon. This is so important when doing any bridge to perm debt strategy. It is the key to not getting stuck with not being able to pay the bridge debt off, without a big capital call, or even worse, having to do what has become coined as the “bridge to bridge” scenario, which is NO FUN! Fortunately, we were able to accomplish this, and our clients brought in ZERO money and got a few bucks back in their pockets at closing. Working together as a team, we were able to accomplish what we set out to do, even in the face of adversity, with rates that have risen much higher than anyone ever expected. The moral of the story is to never ever push beyond the worst-case scenario. Especially in an ever-changing volatile market. 

Kevin, once again we appreciate you and your team’s expert guidance in finding us the perfect bridge loan for this value-added property, and then following through with the permanent debt, just as you said you would. You and your team have always delivered the best financing option for us, and the deal always closes as you say it will. We look forward to many more deals together in the future. ~ Gary Ruhlen, Investor 

Just Closed in 59 days! Our client is our TLC Track Car Builder and owns Rockstar Garage in Ontario, CA. He came to us with an idea of selling his owner-occupied industrial building and taking advantage of the huge increase in industrial values in the Inland Empire. As real estate investors ourselves, we always support these market timing ideas. The challenge was, he is terribly busy with his business and does not have the time nor does he want the potential headaches and hassles to manage a traditional residential income property. Our immediate suggestion was to invest in one or more net lease assets in national emerging markets. This would allow him full control and have a choice in what he invests in, unlike other passive investment vehicles, such as a DST (Delaware Statutory Trust) or TIC (Tenant in Common). The plan was set, and we suggested he use his local expert industrial agent to bring it to market, and get it sold at the highest price possible and do a 1031 Exchange with our preferred Accommodator. In the end, we were able to leverage our close relationships within our large network of nationwide net lease agents, to locate one of the very last Walgreen’s “small format” assets currently available in the country. We were able to negotiate this North Carolina top market asset at a price originally set at a 5.25% cap by the BTS (Build to Suit) developer, to delivering this to our client at a 6.00% cap! Our Real Estate Division, TLC Real Estate Group sourced the asset and represented the client in this transaction, and our Lending Division, TLC Financial Network, Inc. sourced the financing, all under one roof. Contact us for more details about how you too can benefit from this arrangement. 

I have had the sincere pleasure of knowing Kevin and TEAM TLC since I started building their 2006 Honda S2000 TLC track car in 2017. I knew these guys were serious business minded professionals, but I never realized at the elevated level I have experienced while conducting this business venture with them. From the beginning, they listened to exactly what my goals and objectives were and always diplomatically framed their advice with my best commercial interests in mind. It is like they were advising me, like they were the principals in the transaction. They always took control and just made everything happen for me and reported back whenever necessary. This always gave me an extremely prominent level of comfort and the entire TEAM are true professionals in their field. I am so glad that I have made the decisions that they have advised and supported me on. I cannot wait until we close the next deal at the end of the month and start receiving my month over month passive positive cash flow. ~ Justin T. Taylor, Investor & Business Owner, Rockstar Garage   

Just Funded! Closed in 42 days! Our new client was referred to us by one of our longstanding Real Estate Broker’s in our Network. This well-seasoned full-time Real Estate Investor, who typically uses Chase or buys all cash, was faced with a big hurdle to jump over. Chase absolutely wouldn’t touch this deal, and he wasn’t able to pay all cash and close on time. We were challenged with 7 of the 8 units (1 vacant unit) rented to a non-profit religious organization on a month-to-month basis. Essentially labeling this as a commercial property, rather than a multifamily property. We shopped in excess of 50 lenders in the marketplace to get this one done with a lender we have had a long-standing relationship with for nearly two decades.

TLC worked well as a team and were able to source the right lender for a very complex and extremely difficult deal and take the transaction to the finish line. I haven't referred them a deal they couldn't close. ~ Sean Riley, Vice President with CBRE Capital Markets 

Just Closed in 42 days! Our client is our TLC Track Car Builder and owns Rockstar Garage in Ontario, CA. He came to us with an idea of selling his owner-occupied industrial building and taking advantage of the huge increase in industrial values in the Inland Empire. As real estate investors ourselves, we always support these market timing ideas. The challenge was, he is terribly busy with his business and does not have the time nor does he want the potential headaches and hassles to manage a traditional residential income property. Our immediate suggestion was to invest in one or more net lease assets in national emerging markets. This would allow him full control and have a choice in what he invests in, unlike other passive investment vehicles, such as a DST (Delaware Statutory Trust) or TIC (Tenant in Common). The plan was set, and we suggested he use his local expert industrial agent to bring it to market, and get it sold at the highest price possible and do a 1031 Exchange with our preferred Accommodator. In the end, we were able to leverage our close relationships within our large network of nationwide net lease agents and were able to locate a rare absolute NNN Family Dollar with a 10% lease escalation in year 11. We were able to negotiate this Augusta, GA top market asset at a price originally set at a 6.00% cap by the long hold Seller, to delivering this to our client at a 6.50% cap! Our Real Estate Division, TLC Real Estate Group sourced the asset and represented the client in this transaction, and our Lending Division, TLC Financial Network, Inc. sourced the financing, all under one roof. Contact us for more details about how you too can benefit from this arrangement.

I have had the sincere pleasure of knowing Kevin and TEAM TLC since I started building their 2006 Honda S2000 TLC track car in 2017. I knew these guys were serious business minded professionals, but I never realized at the elevated level I have experienced while conducting this business venture with them. From the beginning, they listened to exactly what my goals and objectives were and always diplomatically framed their advice with my best commercial interests in mind. It is like they were advising me, like they were the principals in the transaction. They always took control and just made everything happen for me and reported back whenever necessary. This always gave me an extremely prominent level of comfort and the entire TEAM are true professionals in their field. I am so glad that I have made the decisions that they have advised and supported me on. I am ecstatic with the final results and my month over month passive positive cash flow. ~ Justin T. Taylor, Investor & Business Owner, Rockstar Garage