Success Stories

Every property starts with a plan.

Featured project

From a clear challenge to a measurable result.

A straightforward buy, renovate, and resell project completed on schedule.

Fix & Flip Single-family residential Austin, TX

A dated bungalow, a disciplined budget, and a nine-month exit

In a structure like this, 90% of the purchase and 90% of the renovation are funded in a single loan, capped at 75% of after-repair value. Draws are released as work is completed and interest is charged only on funds actually disbursed. Because there is no prepayment penalty, selling ahead of schedule costs the borrower nothing extra.

Financing: Program capacity to $5,000,000
Execution: 9–12 month interest-only, extensions built in
Outcome: Sold, with the proceeds redeployed into the next acquisition

“Outstanding hard money lender — highly recommend! He moved quickly to secure funding for my project, allowing me to close on my deal without any delays.”

Kai F. — real estate investor, verbatim Google review

Representative structures shown for illustration; every loan is individually underwritten. Past performance is not indicative of future results.

More projects

The work, by the details.

[CMS FILTER: All] [CMS FILTER: Program] [CMS FILTER: Property type]

Renovated open-concept interior of a completed project

[Program] [Market]

East Austin bungalow — the 90/90 flip

The purchase window was tight and the property needed significant cosmetic work. A single loan covered both the price and the renovation budget, draws followed the construction schedule, and the sale closed in the ninth month.

Financing Fix & Flip

Asset East Austin

New single-family construction framed at sunrise

[Program] [Market]

Spec build in a growth corridor

The builder already owned the lot free and clear, so that equity served as the down payment. We financed 100% of hard and soft costs, with interest charged only on funds drawn.

Financing Ground-Up Construction

Asset Central Texas

[Program] [Market]

Eight tired units, one bridge loan

A well-located small multifamily property had significant deferred maintenance. A bridge loan funded 70% of the purchase along with the full renovation budget, and the property was refinanced once it stabilized.

Financing Multifamily Bridge

Asset San Antonio

A well-kept single-family rental home at dusk

[Program] [Market]

The flip that became a keeper

Rent comparables made a stronger case for holding the property than selling it. A 30-year DSCR refinance at up to 80% LTV returned the borrower's capital, qualified on the property's rental income rather than personal tax returns.

Financing DSCR / Rental

Asset Round Rock

Aerial view of homes in a growing Texas neighborhood

[Program] [Market]

Seven doors, one note

Seven scattered rentals meant seven separate loans and seven payments. A blanket portfolio loan consolidated them into a single closing with one point of contact.

Financing Portfolio

Asset Texas

A brick duplex exterior in morning light

[Program] [Market]

An auction purchase funded within the same week

Auction terms left no room for financing delays. The bridge terms held exactly as quoted at pre-approval and the loan funded within the week.

Financing Bridge

Asset Austin metro

The client perspective

Let the experience speak for itself.

“Working with Michael has been a game changer for my real estate investment business… he actually challenged my view on how I was using different finance products, explained why it might hold me back, and helped me pivot to a strategy that made way more sense. That advice has put me on a much better trajectory to scale and grow.”

M.K. — real estate investor, verbatim Google review

Quotes are verbatim excerpts from public Google reviews of Michael Chiodo — Mortgage Lender (4.9★, 73 reviews). No compensation was provided for any review.

Your project could be next

Tell us what you’re working on.

Send us the property, your plan, and your numbers, and expect a substantive answer within 48 hours.

Start a Deal