The Secrets of Real Estate Financing and Investment Opportunities with Angelo Christian

Angelo breaks down the differences between commercial and residential lending, explaining how the type of property determines the loan category. He also introduces private lending as a flexible and creative financing solution, particularly for investors who don’t fit the conventional mold due to unique financial situations, such as those with hard-to-document income.

The Growing Role of Private Lending in Real Estate

Over the last decade, private lending has gained traction as an alternative to traditional bank loans. Angelo discusses how private lending caters to those who may struggle to qualify for conventional loans, offering more flexible underwriting criteria. He shares real-life examples of clients who have successfully used private lending to fund their real estate projects, including a client worth $200-$300 million who prefers private loans over bank financing due to the speed and simplicity of the process.

Building Your Dream Home

For those looking to build their dream home, the process has become more accessible than ever. According to Christian, there are several programs designed to help individuals purchase land and construct a home, even with minimal down payments. Veterans, for example, can take advantage of zero down payment options, while non-veterans can utilize FHA loans that require only a 3.5% down payment. This flexibility opens up homeownership to a broader audience, including those who are self-employed.