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.

Fix & Flip

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 $4,000,000.00
  • 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 $75,000.00
  • 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.
Bridge (Short-Term)
  • Loans up to $4,000,000
  • Investment properties
  • No Employment
  • No Income
  • .75 DSCR on Purchase
  • First time investors

Condotel

Have a condotel

  • Loans up to $4,000,000
  • Investment properties
  • No Employment
  • No Income
  • .75 DSCR on Purchase
  • First time investors

Commercial

  • Loans up to $50,000,000
  • Investment properties

Most Loans Close Under 14 Days

We Specialize in Helping Business Owners and Real Estate Investors

The right loan makes all the difference

DSCR

You find your next investment property, we’ll finance it for you!

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

4.8
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