Bank said no? We make the deal fundable.
We structure loans for deals banks deny.
If a bank killed your deal because of paperwork, property condition, appraisal issues, or time, you are probably not “unqualified”, you are just not bank-shaped, and our job is to map a clean path to closing with clear steps and clear updates.
Disclaimer: Real Estate Transactions Only—No Personal or Business Loans
What to expect
A Simple Process
You tell us the property and the problem.
No loan jargon needed.
We structure the path.
We tell you what matters and what does not.
We keep updates tight.
Borrowers and agents stay in the loop.
Quick reality check
If a bank killed your deal because of paperwork, property condition, appraisal issues, or time, you are probably not “unqualified”, you are just not bank-shaped, and our job is to map a clean path to closing with clear steps and clear updates.
Typical close
10 to 30 days
Loan size
$150K to $5M
Service area
CA, NV, GA
Who we help
Most of our clients are not “professional borrowers.” They are people with real deadlines, real properties, and a bank denial they cannot ignore.
Investors
Fix and flip, BRRRR style plans, buy and hold, and rental transitions.
Common blocker: the property is not bank-ready.
Homeowners in a bind
Behind, urgent, or facing a timeline that does not wait for underwriting.
Common blocker: time and paperwork.
Heirs and families
Probate and estate situations with siblings, bills, and decisions to make.
Common blocker: time and paperwork.
Self-employed borrowers
Good income, messy docs. Banks treat it like a problem. We treat it like a normal Tuesday.
Realtors with a denied buyer
We work well with agents because we keep updates clear and we do not treat you like the enemy.
What we do
We provide hard money and private real estate loans in California, Nevada, and Georgia, mostly for situations where a traditional lender says no or moves too slowly.
Bridge loans
Buy time, fix issues, then transition to the next step.
Fix and flip funding
For purchase, rehab, or a fix-to-rent plan.
Rental options
DSCR-style lanes can help when income docs are the blocker.
Second and third mortgages
Used when the situation calls for it and the numbers work.
Probate and estate scenarios
When time, heirs, and costs pile up at once.
How we think
If you want the shortest version: we try to make the deal fundable without making it confusing.
We do not hide the ball.
You get clear steps, realistic timelines, and straight answers.
We structure instead of reject.
Many lenders stop at the first issue. We look for the fix, if one exists.
We act like a partner to agents.
The goal is a closing, not a blame game.
We care about speed, but not fantasy speed.
Typical closings land in the 10 to 30 day window.
Meet the Founder
Rafahael Islam
Rafahael grew up around real estate and earned his California broker’s license in 2010, later expanding into Nevada and Georgia as a certified real estate appraiser who understands deals from every angle.
He helps borrowers secure flexible, fast private loans that actually fit their situation, not a bank checklist.
Where we lend
We focus on a clear footprint so the process stays predictable.
California
Including Los Angeles and surrounding areas.
Nevada
Including Las Vegas and surrounding areas.
Georgia
Including Atlanta and surrounding areas.
Licensed and accountable
We keep licensing and business details visible because trust is easier when nothing is hidden.
NMLS 1716151
Displayed on-site for transparency.
Office
7049 Owensmouth Ave, Suite 2, Canoga Park, CA 91303
Phone
(323) 834-9002
This page is general information and is not a loan approval or commitment to lend.
Want the path to closing?
Send the property and the problem. If we cannot see a realistic path, we tell you early.
NMLS ID: 1716151. Go here for the Private Money Specialists consumer access page.
©2018-2025 Evolving Realty, Inc dba Private Money Specialists. All rights reserved. Lending services provided by Evolving Realty, Inc dba Private Money Specialists.
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Copyright © 2025 – The Private Money Specialists. Powered By Level Up Social Pro
NMLS ID: 1716151. Go here for the Private Money Specialists consumer access page.
©2018-2023 Evolving Realty, Inc dba Private Money Specialists. All rights reserved. Lending services provided by Evolving Realty, Inc dba Private Money Specialists.
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7049 Owensmouth Ave, Suite 2
Canoga Park, CA, 91303, US
Copyright © 2023 – The Private Money Specialists. Powered By Level Up Social Pro