2209 W 25th Street 7

Are you searching for your piece of Paradise? Look no further than this generously sized home in prime South Shores Racquet Club. Sweeping ocean views of spectacular cliffside vistas and head-on views of Catalina Island. Once you enter your front door, you will be transfixed by an enormous step-down living room with a contemporary gas fireplace and west-facing walls of windows to capture those stunning ocean sunsets! If you love to cook, this expansive kitchen comes equipped with modern, black granite countertops, ceramic mosaic tile backsplash, stainless KitchenAid refrigerator, convection stovetop, microwave oven & dishwasher. Large island with pull-out cabinets, double sink, and massive amounts of counter space. Two spacious bedrooms. The guest and Master bath have marble & travertine, with a large shower enclosure with dual showerheads. The primary bedroom en-suite has a private patio. The South Shores Racquet Club offers a community pool, jacuzzi, clubhouse, and two tennis courts! Convenience is moments away such as morning coffee at Starbucks, Smart & Final, & the super grocer, Vons. As an alternative, just a short drive to the Golden Cove for top restaurants like Avenue Italy or Tomatillo Mexican Grill, and Trader Joe's. Don't forget the proximity of the world-class public Trump National Golf Club. 2 garages, Panaromic Ocean Views from living room.

24001 Muirlands Boulevard 62

Welcome home to the beautiful 55+ community of Forest Gardens! This home is located on one of the BEST lots in the community, very large corner lot. Relax on the spacious porch and enjoy your morning coffee while taking in the scenery of the greenbelt and luscious green front yard. Plenty of parking for guests. Take a stroll around one of the community lakes located just outside the back of the home. Inside you'll find a great open floor plan. Wonderful size living room with views of the greenbelt. The darling kitchen has a very large island equipped with bar stool seating and opens to the family room making it perfect for entertaining. Lots of built-in shelving for pictures, plants, and decor. The carpet was replaced about a year ago as well as some new paint on the walls. This house is located close to shopping, restaurants, and freeways but is still very secluded. Come make this house your home today!

14851 Jeffrey Road 352

Quality by Hallmark! How long have you been searching for a newer three bedroom home in a great senior park? It has dual-end bedrooms (the primary bedroom and private bathroom on one end and the other two bedrooms and a bathroom on the other end) about 1500 square feet. Spacious living room with dormer brings in extra light. Separate dining room. Five ceiling fans will keep you comfortable. Chef's delight kitchen with solid surface counters, breakfast bar, newer gas stove, new microwave, Bosch dishwasher, lots of counter space and storage. Service offers more storage. Refrigerator and Washer + Dryer included. Large master suite complete with walk-in closet, step-in shower and soaking tub. Enjoy the outdoors on private porch or in the back yard. Landscaping provides privacy. Storage shed, Central Air Conditioning, Electric lift, Extra wide driveway with extended awnings. This custom designed home features extensive brickwork, low-rise concrete and brick entry steps unique and special treatments Inside and out and is truly a "Must See!” Rent is $1,600. Per month.

18 Tahquitz Court 217

Very nice triple wide home on 6000 sf owned lot (HOA Dues only ($307 a month), house located on a cul-de-sac with great views out kitchen windows. Probably one of the nicest houses and largest houses with the largest kitchen in the entire park. If you bake or cook you will be amazed at how open and large the kitchen is with a Jenn-Air grill island. Very open and secluded and not enclosed by Neighbors on both sides. Has a very large deep carport that can handle 4+ cars and a large storage shed attached. If you're looking for something that is unique and not in a cookie cutter row, this is a very unique and very nice house. Very large laundry room that can also accommodate a 2nd fridge and has a built-in desk office space. All new flooring (vinyl plank, see pics) and many upgrades recently done in the last month. House is Turn Key and ready to move into. Landscape upgrades, painting, tile work are currently ongoing but will show to interested serious parties.

How to Partner with BFT

What You’ll Learn from These Resources (For Realtors & Aspiring Loan Officers)Whether you're a realtor looking to scale or someone curious about becoming a licensed loan officer, these resources provide a clear, actionable roadmap to help you grow your business and income potential. Here’s what you’ll discover:These resources are packed with valuable info to help you build partnerships, boost income, and streamline your process—whether you’re ready to become a loan officer or want to grow your referral-based real estate business.

DSCR Loans with BFT

What is a DSCR Loan?DSCR stands for Debt Service Coverage Ratio.A DSCR loan uses the income generated by a property (like rent) to determine if you qualify for a loan.Unlike traditional mortgage loans, your personal income or tax returns aren’t used to determine eligibility.This type of loan is specifically for real estate investors, not people looking to buy a home to live in.For example, if you’re self-employed and need a home loan, this wouldn’t be the right fit, but other loan options exist for you.How Does It Work?Lenders calculate the Debt Service Coverage Ratio (DSCR):They compare the property’s annual net income (after expenses) to the total yearly mortgage payments.Formula: DSCR=Property Net IncomeMortgage Payments\text{DSCR} = \frac{\text{Property Net Income}}{\text{Mortgage Payments}}DSCR=Mortgage PaymentsProperty Net Income​Example:If the property earns $15,000/year and mortgage payments are $12,000/year, DSCR = 15,00012,000=1.25\frac{15,000}{12,000} = 1.2512,00015,000​=1.25.This is considered good because it shows you can cover your mortgage and still have some income left.Key Benchmark:Most lenders want a DSCR of 1.25 or higher. This means the property generates 25% more income than the debt costs.Pros of DSCR Loans:No personal income verification: Ideal for investors whose tax returns don’t fully reflect their income (e.g., self-employed individuals or those with deductions).No limit on the number of loans: You can have multiple DSCR loans at once, helping you expand your property investments faster.Tailored to real estate investors: If rental properties are your primary income, this loan works better for your unique financial situation.Cons of DSCR Loans:Higher costs:You might need a bigger down payment (e.g., 20-25% of the property price).Interest rates are usually higher than traditional home loans.More money upfront: Because of the larger down payment and interest, these loans can require more initial capital.Only for income-generating properties: This type of loan doesn’t work for personal home purchases.Why Choose a DSCR Loan?If your rental income is your main source of earnings, DSCR loans let you qualify for financing even when tax filings don’t show high income.They’re flexible for building large property portfolios, provided you can maintain strong property income and DSCR for each loan.

Fixed Rate HELOC with BFT

What is a Fixed-Rate HELOC?A fixed-rate HELOC combines features of a home equity loan and a traditional home equity line of credit (HELOC). Here's how it works:Regular HELOC vs. Fixed-Rate HELOC: A regular HELOC works like a credit card with a variable interest rate, while a fixed-rate HELOC lets you lock in a stable interest rate on all or part of the borrowed amount, like a second mortgage.Protects Against Rate Changes: By freezing your rate, a fixed-rate HELOC shields you from market interest rate increases, giving you predictable payments.Flexibility to Withdraw: You can still withdraw as much or as little of your available credit as needed during the draw period, just like with a variable-rate HELOC.Fixed Payments: Once you lock in a fixed rate, your payments stay consistent, offering financial stability.You can usually convert to a fixed rate at closing or anytime during the draw period, depending on your lender. Terms for the fixed portion can range from 5 to 30 years, and you'll pay it back with regular monthly payments, similar to a traditional mortgage.This option provides the flexibility of a HELOC with the stability of fixed-rate payments.Disclaimers:Figure Lending LLC is a wholly-owned subsidiary of Figure Technology Solutions, Inc., a financial technology company.The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw .Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing.To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.A Figure HELOC is secured with your home as collateral, whereas personal loans and credit cards are not.Our loan amounts range from a minimum of $15,000 to a maximum of $400,000. For properties located in AK, the minimum loan amount is $25,001 and for properties located in TX, the minimum loan amount is $35,000. Your maximum loan amount may be lower than $400,000, and will ultimately depend on your home value, lien position, credit profile, verified income amount, and equity available at the time of application. We determine home value and resulting equity through independent data sources and automated valuation models.Available APRs range from 6.95% to 16.35%, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states. The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Your actual rate will depend on many factors such as your credit, combined loan-to-value ratio, loan term, occupancy status, and whether you are eligible for and choose to pay a higher origination fee in exchange for a lower rate. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone.You should consult a tax advisor regarding the deductibility of interest and charges to your Figure Home Equity Line.

Reverse Mortgages with BFT

Understanding Reverse Mortgages: A Simple GuideReverse mortgages often sound intimidating due to their complicated terms and past misconceptions. But they’re simpler than they seem!Think of it this way: A reverse mortgage lets you access the money (equity) tied up in your home while you continue living there. Instead of selling your house to get cash, you borrow against its value and receive payments, like turning your home into your personal bank.You can use the money however you like—whether it’s funding a dream vacation, making your home more comfortable, or even going back to school. It’s your money to enjoy while staying in your home.If you’ve spent decades paying off your home, the idea of a reverse mortgage might feel unfamiliar. Here’s a straightforward breakdown:What It’s For:You own your home (or owe very little on it).You want extra money to enjoy life, but don’t want to sell your home to get it.How It Works:A reverse mortgage lender calculates how much they can lend you based on your home’s value, your age, and interest rates.Instead of making payments to a lender, you receive payments from them.Key Details:You still own and live in your home.You only repay the loan (plus interest) when you no longer live in the home full time (like if you move or pass away).You’ll never owe more than the value of your home, no matter how much you borrow.Bonus:If your home sells for more than what you owe, the leftover money is yours to keep!Reverse mortgages are often called deferred payment loans because repayment is postponed until later. This makes them a helpful option for seniors who want to boost their income without selling their home.