A stalled renovation site with a bold “Funding Secured” clipboard in the foreground, symbolizing private lending success.

When Banks Say No: Creative Funding Solutions for Complex Real Estate Deals

May 06, 20251 min read

Not every real estate deal fits inside a traditional lender’s box — and that’s where many investors hit a wall. Credit issues, income documentation, BK/NODs, or just tight deadlines can kill great opportunities before they even get started.

But that doesn’t mean your deal is dead.

🧠 Real Estate Requires Strategy, Not Just Capital

Whether you’re a flipper, developer, or landlord, sometimes what you need is a strategic lending partner — not a loan officer looking for perfect paperwork. Private capital lending gives you room to move fast and structure your deal around equity, value, and potential — not FICO scores.


⚡ Situations Where Private Lending Wins:

  • BK or foreclosure delays

  • Fast acquisitions on distressed or off-market properties

  • Cash-out for rehab or phase-two construction

  • Down payment shortfall for new purchases

  • Creative repositioning deals or 2nd/3rd lien structuring


✅ What Makes This Capital Different?

  • We fund deals banks decline

  • Equity-based approvals (no income docs or W-2s)

  • Close in days, not weeks

  • Flexible lien positions and repayment terms

If the numbers work, the deal works.


Got a deal with a tight timeline or tricky story? Let’s take a look. You’ll get honest feedback, fast options, and a clear path to close — without bank delays.

📩 Email [email protected]
📞 Text/Call 562-244-7963
Troy Mire | CA DRE 01199870 | NMLS 1795353

Troy P. Mire is a seasoned Real Estate Broker, Mortgage Broker, and Hard Money Specialist with over 20 years of experience in the industry. As the founder of TMireBroker & Co., Troy specializes in providing tailored real estate and mortgage solutions, including FHA, Conventional, VA, USDA, DSCR, H120 Loans, and Hard Money Lending. With licenses in both real estate (DRE: 01199870) and mortgage (NMLS: 1795353), Troy brings unparalleled expertise to every transaction, helping clients achieve their financial and investment goals. Known for his dedication, knowledge, and client-focused approach, Troy is a trusted advisor in the Southern California market and beyond.

Troy Mire

Troy P. Mire is a seasoned Real Estate Broker, Mortgage Broker, and Hard Money Specialist with over 20 years of experience in the industry. As the founder of TMireBroker & Co., Troy specializes in providing tailored real estate and mortgage solutions, including FHA, Conventional, VA, USDA, DSCR, H120 Loans, and Hard Money Lending. With licenses in both real estate (DRE: 01199870) and mortgage (NMLS: 1795353), Troy brings unparalleled expertise to every transaction, helping clients achieve their financial and investment goals. Known for his dedication, knowledge, and client-focused approach, Troy is a trusted advisor in the Southern California market and beyond.

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