Need Private Capital
Borrowers who need fast, equity-based funding outside traditional bank channels. Covers bridge loans, hard money, fix and flip, and asset-based lending structures.
Start HereDescribe your situation and receive guidance tailored to your California real estate, mortgage, or investment scenario.
Select the scenario that best describes your position. Each path delivers guidance specific to your situation, not a generic response.
Borrowers who need fast, equity-based funding outside traditional bank channels. Covers bridge loans, hard money, fix and flip, and asset-based lending structures.
Start HereHome buyers, refinancing homeowners, and investors seeking conventional, FHA, VA, DSCR, or non-QM loan programs across California.
Start HereFirst-time buyers, move-up buyers, and investment property purchasers navigating Southern California's market conditions and transaction structure.
Start HereHomeowners and investors evaluating market timing, pricing strategy, sale structure, and net proceeds before listing or closing off-market.
Start HereInvestors evaluating acquisitions, refinancing existing holdings, structuring DSCR or bridge financing, or analyzing portfolio-level capital strategy.
Start HereHomeowners facing Notice of Default, pre-foreclosure, or auction timelines who need to understand their options before the situation narrows further.
Start HereNo application. No credit pull. No commitment. Four steps from where you are to a clear picture of where to go.
Select the scenario category that best describes where you are. Buyers, sellers, investors, and borrowers each follow a distinct path built around their position.
A focused sequence of questions helps clarify your timeline, goals, equity position, and any constraints. No jargon. No forms. Just the information that matters.
Based on your responses, the advisor identifies the most appropriate paths forward and explains what each one means for your specific situation in plain language.
When your scenario warrants direct involvement, you can connect with Troy Mire for a focused, no-pressure conversation about next steps and what to do first.
The advisor is built to give you clarity before you commit to anything. When your situation needs more than a platform can provide, Troy reviews every file directly. No junior staff. No automated responses for complex situations.
Call 562 244 7963California real estate, mortgage, and private capital situations are rarely simple. This advisor was built to help people navigate complexity without pressure.
Most borrowers do not know what private capital actually costs, how it is structured, or when it makes sense. The advisor explains the landscape clearly before any commitment is made.
Loan programs, qualification standards, and rate environments shift constantly. The advisor helps borrowers understand current options across conventional, government, and non-QM programs.
Buying or selling in Southern California involves timing, structure, and market-specific knowledge. The advisor helps clients approach the process with more information and fewer surprises.
Los Angeles, Orange, Riverside, San Bernardino, San Diego, and Ventura Counties each have distinct market dynamics. Guidance here is rooted in on-the-ground experience across all six.
Time-sensitive situations require fast clarity. Whether facing foreclosure timelines, financing deadlines, or competitive offers, the advisor is structured to move efficiently.
The advisor does not leave you with vague recommendations. Each scenario produces a clear picture of what is realistic, what is required, and what happens next.
Troy Mire is a California licensed real estate broker and mortgage professional with over two decades of direct experience in residential real estate, mortgage lending, and private capital across Southern California. His practice covers conventional and non-QM mortgage programs, DSCR and investor financing, bridge and hard money lending, fix and flip transactions, and distressed property strategy.
Troy works directly with buyers, sellers, homeowners, and investors across Los Angeles, Orange, Riverside, San Bernardino, San Diego, and Ventura Counties. Every situation is evaluated on its own terms, with the goal of identifying the most appropriate path given current market conditions, equity position, and timing.
It is a structured guidance platform designed to help California homeowners, buyers, sellers, investors, and borrowers identify the most appropriate path for their specific situation. It is not a chatbot and not a generic contact form. Each scenario follows a distinct path based on your actual position and goals.
No. Starting a scenario review does not create any obligation. There is no credit pull, no application, and no commitment of any kind. The advisor is informational and designed to help you understand your options before deciding whether to take any action.
Conventional, FHA, VA, non-QM, DSCR, bridge, hard money, fix and flip, and other private capital programs. The right program depends on your situation, property type, income documentation, timeline, and goals. The advisor helps identify which category fits your position before a formal application begins.
Private capital lending uses non-institutional funding sources to provide loans based primarily on asset value and equity rather than income or credit qualification. It applies when speed is critical, when a borrower cannot qualify through traditional channels, or when the transaction structure does not fit conventional underwriting. Costs and terms differ significantly from traditional mortgages.
A Notice of Default starts a legal timeline. Depending on how much equity exists and how much time remains, options may include refinancing to pay off the delinquent balance, selling the property before the auction date, or pursuing a loan modification with the existing lender. Available paths narrow as the timeline advances, which is why acting early matters.
A DSCR loan qualifies the borrower based on the income the property generates rather than personal income tax returns. It is used by real estate investors who own multiple properties, are self-employed, or have income structures that do not fit conventional underwriting. Qualification depends on the property's rent-to-debt ratio and the borrower's credit profile.
Los Angeles County, Orange County, Riverside County, San Bernardino County, San Diego County, and Ventura County. Troy Mire maintains active market knowledge across all six Southern California counties and has closed transactions throughout each area.
Yes. Investors evaluating acquisitions, refinancing existing rental properties, accessing equity through cash-out, or analyzing portfolio-level financing options are a core audience for this advisor. The investor scenario path addresses DSCR lending, bridge financing, 1031 timing, and equity-based structuring.
Most loan officers begin with a credit pull and an application. This advisor starts with your situation. It helps you understand whether a mortgage, private capital solution, or real estate strategy is the right direction before you enter any formal process. That clarity makes every subsequent conversation more productive.
You receive a summary of the most appropriate paths for your situation along with an explanation of what each path requires and what to expect. If your scenario warrants direct involvement, you will have the option to connect with Troy Mire for a focused conversation. There is no obligation to proceed further.
Tell us where you are. We will help you understand where to go next. Connect in 60 seconds, no commitment, just clarity.