Beyond the Banks
Built for Real Estate Professionals,
Designed by Lending Experts.
Where the banks fall short
WE DELIVER!
At BluEleven, we specialize in financing solutions that go beyond the banks, offering flexibility where traditional lenders fall short. Institutional banks rely on rigid guidelines, income verification, and credit thresholds that don’t always align with real-world financial situations. We take a different approach—focusing on assets, cash flow, and creative structuring to get deals done. Whether it’s a second mortgage for fast liquidity or a bridge loan to secure your next property, we provide custom, common-sense lending with speed and efficiency. When the banks say no, we say yes—because we see the opportunity, not just the paperwork.
Specializing in the following programs
DSCR
Debt Service Coverage Ratio
- Loans up to $4,000,000
- Investment properties
- No Employment
- No Income
- .75 DSCR on Purchase
- First time investors
Self-employed Program
- Loans up to $4,000,000
- Investment properties
- No Employment
- No Income
- .75 DSCR on Purchase
- First time investors
Jumbo
- Up to $4,000,000
- 12 Months Bank Statement
- CPA letter with 2 months bank Statement
- Previous years 1099 & YTD Bank Statement
Asset Utilization
- Loans up to $5MM
- 660 min FICO
- 20% down payment
- DTI & NO DTI options
- Interest Only options
Private 2nd Mortgage
- Loans up to $1,000,000
- Min loan $75,000
- Investment or 2nd Homes
- 12 Months Bank Statements
- 680 min FICO
Multi Family 5-9 Units
- Loans up to $2MM
- 680 min FICO
- 25% down payment
- Vest in LLC or Corporation
- Interest Only options
- Up to 3% seller concessions allowed towards closing.
- Loans up to $4,000,000
- Investment properties
- No Employment
- No Income
- .75 DSCR on Purchase
- First time investors
Condotel
Have a condotel – We can close in 14 days!
- Loans up to $4,000,000
- Investment properties
- No Employment
- No Income
- .75 DSCR on Purchase
- First time investors
Additional Core Programs
- Conventional
- Jumbo
- FHA
- VA
- Reverse
- Standalone Second
- Home Equity Line of Credit
Most Loans Close Under 14 Days
We Specialize in Helping Business Owners and Real Estate Investors
The right loan makes all the difference
Bridge Loan
Competing with all cash buyers its not a problem anymore! We have you covered..
Asset Utilization
Don’t have a stream of income anymore but have a substantial savings? We got you …
Ever wonder where a top chef goes out to eat? Well, I have been in the mortgage business for 30 years, and when I bought a home last summer I turned to the best mortgage team on the planet at BluEleven. Mike Ahmari’s intensity and his drive to make sure that every part of the process works for his clients is duplicated by every member of his team. In spite of a tight timeline and a property that had some issues, Mike and his team worked magic to get my loan approved, and my point person, loan officer Isahi Pena, took all the stress out of the process. Thanks guys!!
Richard R
San Anselmo CA
