Bank said no? We make the deal fundable.
About Private Money Specialists
We help borrowers, investors, and referral partners move real estate deals forward when bank guidelines get in the way.
Private Money Specialists helps borrowers, investors, and referral partners move real estate deals forward when traditional lending guidelines create delays or roadblocks. We work on real estate-backed loan scenarios involving time pressure, property condition issues, appraisal challenges, income documentation concerns, probate situations, and other deal complications that do not always fit within a bank’s process. We serve clients in California, Nevada, and Georgia and focus on practical next steps, clear communication, and loan structures built around the real transaction in front of us. Whether someone needs guidance on a bridge loan, help responding to a time-sensitive foreclosure situation through a foreclosure bailout loan, or a clearer path toward the right funding solution, our role is to help make the next step easier to understand.
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.
How We Review Deals
Every deal starts with the property, the timeline, and the problem that needs to be solved. We take a practical look at what is blocking the transaction, what the borrower needs to accomplish, and whether there is a realistic path to closing.
What We Look at First
We usually start with the property address, estimated value, loan amount needed, deadline, and the reason the deal is not moving through a traditional lender. From there, we look at the overall structure, available equity, and likely exit strategy.
What Makes a Deal More Likely to Work
The strongest deals usually have a clear purpose, a realistic timeline, a property with measurable value, and a sensible path forward. The more clearly the transaction can be explained, the easier it is to assess whether there is a workable lending solution.
Why Referral Partners and Borrowers Work With PMS
Speed
We understand that many real estate deals are time-sensitive, and we work to review opportunities quickly and move qualified scenarios forward without unnecessary delays.
Communication
Borrowers and referral partners need clear answers, not vague updates. We focus on straightforward communication so everyone understands where the deal stands.
Deal Structure
Not every transaction fits a standard loan box. We look at the actual situation and help identify a structure that matches the property, the timing, and the goal.
Real-Estate-Backed Focus
Our work is centered on real-estate-backed transactions, which allows us to stay focused on the property, the numbers, and the path to closing. That same focus also helps us connect borrowers to the most relevant part of the site, whether that starts on the homepage, on a specific loan page, or through direct contact.
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.
Typical close
10 to 30 days
Loan size
$150K to $5M
Service area
CA, NV, GA
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
Real estate-backed transactions only. No unsecured personal loans. No unsecured business loans. All loan scenarios are subject to review and qualification. This page is for general information only and is not a loan approval or commitment to lend.
Helpful Pages to Review Next
If you are still comparing options, these pages can help you better understand the types of situations we work on and how to take the next step.
Learn how PMS approaches urgent real estate situations where timing, default pressure, or limited lender options are creating risk.
See how short-term real estate funding can help when a transaction needs to move faster than a traditional lender can handle.
Browse additional guidance and educational content related to hard money lending, real estate financing, and deal challenges.
Have a deal to review? Send the property, timeline, and issue.
Send the property, timeline, and issue, and we will help you understand the next practical step. If you are ready to talk through a scenario, use the contact page and share the details that matter most.
NMLS ID: 1716151. Go here for the Private Money Specialists consumer access page.
©2018-2026 Evolving Realty, Inc dba Private Money Specialists. All rights reserved. Lending services provided by Evolving Realty, Inc dba Private Money Specialists.
Follow Us
Copyright © 2026 – 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.
Follow Us
Contact Us
7049 Owensmouth Ave, Suite 2
Canoga Park, CA, 91303, US
Copyright © 2023 – The Private Money Specialists. Powered By Level Up Social Pro