Max Chera

Managing Partner at Express Capital Financing

If you’re looking for help getting a loan, or if you just want some more information about our lending operations, please call or e-mail Max anytime. He would be delighted to discuss your opportunity and explore the options that work best for you.

Apply for Financing

Partner With Us

Best Hard Money Lender

About Max

Max is a seasoned Real Estate expert who has made a name for himself in the industry at a young age. By the time he turned 21, he had already established his own brokerage in Brooklyn, where he honed his skills in sales and leasing across South Brooklyn. With a drive for success and a keen eye for opportunity, Max set his sights on new horizons and made his way to Austin, Texas.

In Texas, Max joined forces with a highly successful team and contributed to selling over 150 homes each year, while also mentoring and training new agents on the intricacies of the Real Estate market. His extensive work experience has allowed him to invest in, and advise others on, profitable Real Estate ventures, helping his network to grow their wealth through Real Estate investments.

Max is a true leader in the hard money financing space, leveraging his knowledge and expertise to assist his clients in accumulating wealth. He has a passion for helping others reach their financial goals, and his dedication to his clients and the industry is unmatched.

Hear From Our Happy Clients

Find out about the positive experiences our valued customers have had.

Closed my first deal with Max and the Express Capital Financing team. They are great hard money lenders and were super attentive throughout the entire process. My appraisal came in low, however they managed to make my deal work with the original numbers. Thank you, Max and team. I appreciate you guys and will definitely be coming back to do more business with the Express Capital Financing team.

I am a real estate attorney with many investors. Martin Chera and his company provide a great service to investors. Express Capital Financing has a tremendous amount of loan products to choose from that are simple to access and competitively priced in the market. In addition, Marty and his two sons, David and Max provide free education and seminars geared to the real estate investor looking to succeed. You should not hesitate in at least contacting Express Capital Financing to explore what they can do for you in helping finance and build a profitable real estate portfolio.

Ask for Max. Very good company. Very personable and professional. I plan to do many more deals with these guys. Great for fix and flips and buy and holds. The guys here know how to get a loan through. They understand what it takes to get a loan passed. We had a hiccup with our appraisal as it didn’t come in as high as we had hoped. But the guys here were able to qualify me with a different program and get the loan pushed through with ease.

Compare Our Loan Programs

Whether you’re looking for capital for a Fix & Flip, Rental, or Commercial property, we have a program to meet your needs.

Fix & Flip Loans

nt_header_0	Fix & Flip Loans
Project Type	1-4 Unit Residences, Condominiums, Townhomes
Loan Amount	$75,000 – $5,000,000
Loan To Value (LTV)	Up to 90%
Rent Coverage Ratio	Not Applicable
Loan Term	12-36 Months
Interest Rate	Starting at 9.99%+
Rehab Financing	100%
Proceed Usage	Purchase, Refinance, Renovation, Bridge, Cashout
Those Who Qualify	US Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score	620 (Lower is case-by-case)
Points	2%+
Pre-Payment Penalty	None

Ground Up Construction Loans

nt_header_0	Ground Up Construction
Project Type	1-4 Unit Residences, Condominiums, 5+ Unit Multi Family, Mixed Use
Loan Amount	$75,000 – $10,000,000
Loan To Value (LTV)	Up to 90% LTC
Rent Coverage Ratio	Not Applicable
Loan Term	12-36 Months
Interest Rate	Starting at 9.99%+
Rehab Financing	100%
Proceed Usage	Purchase, Refinance, Renovation, Bridge,
Those Who Qualify	US Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score	620 (Lower is case-by-case)
Points	2%+
Pre-Payment Penalty	None

Multi Family/Mixed Use Bridge Loans

nt_header_0	Multi Family/Mixed Use Bridge Loans
Project Type	Multi Family (5+), Mixed Use
Loan Amount	$500,000 – $10,000,000
Loan To Value (LTV)	Up to 75%
Rent Coverage Ratio	1.1x
Loan Term	12 to 36 Months
Interest Rate	Starting at 10.5%+
Rehab Financing	100%
Proceed Usage	Purchase, Refinance, Cashout
Those Who Qualify	Experienced or Newbies to Real Estate
Minimum Credit Score	650 (Lower is case-by-case)
Points	2%+
Pre-Payment Penalty	None

Large Balance Bridge Loans

nt_header_0	Large Balance Bridge Loans
Project Type	Apartments, Single-Use, Office, Light Industrial/Warehouse, Retail, Mixed Use Buildings
Loan Amount	$1,000,000 – $30,000,000
Loan To Value (LTV)	Up to 80%
Rent Coverage Ratio	1.1x
Loan Term	Up to 36 Months
Interest Rate	Starting at 9.9%+
Rehab Financing	100%
Proceed Usage	Purchase, Refinance, Cashout
Those Who Qualify	US Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score	650 (Lower is case-by-case)
Points	3%+
Pre-Payment Penalty	None

DSCR Loans

nt_header_0	DSCR
Project Type	Single Family Residential, Multi-Family (2-4 Units), Condominiums, Townhomes
Loan Amount	$50,000 – $3,000,000
Loan To Value (LTV)	Up to 80%
Rent Coverage Ratio	1.0x (No DSCR Available)
Loan Term	5/30, 7/30, 10/30, Fixed 30/30
Interest Rate	Starting at 5.5%+
Rehab Financing	Not Available
Proceed Usage	Purchase, Refinance, Cashout
Those Who Qualify	US Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score	650
Points	1.5%+
Pre-Payment Penalty	Options of: None, 1.0.0 or 3.0.0, 3.2.1 or 5.4.3.2.1

DSCR Portfolio Loans

nt_header_0	DSCR Portfolio
Project Type	Single Family Residential, Multi-Family (2-4 Units), Condominiums, Townhomes
Loan Amount	$250,000 – $50,000,000
Loan To Value (LTV)	Up to 80%
Rent Coverage Ratio	1.0x
Loan Term	5/30, Fixed 30/30
Interest Rate	Starting at 5.5%+
Rehab Financing	Not Available
Proceed Usage	Purchase, Refinance, Cashout
Those Who Qualify	US Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score	660
Points	1.5%+
Pre-Payment Penalty	Options of: 5.5.5 or 5.5.5.5.5, 3.2.1 or 5.4.3.2.1

Lite Doc Commercial Mortgages

nt_header_0	Lite Doc Commercial Mortgages
Project Type	Apartments (5-21+ Units), Industrial, Warehouse, Multi Family, Shopping Centers, Offices, And Many More..
Loan Amount	$100,000 – $10,000,000
Loan To Value (LTV)	Up to 80%
Rent Coverage Ratio	1.2x
Loan Term	5/7/10/15 or 30 Years
Interest Rate	Starting at 8%+
Rehab Financing	Not Available
Proceed Usage	Purchase, Refinance, Unrestricted Cash Out
Those Who Qualify	US Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score	650
Points	2%+
Pre-Payment Penalty	Options of: 5.5.5 or 5.5.5.5.5, 3.2.1 or 5.4.3.2.1

Full Doc Commercial Mortgages

nt_header_0	Full Doc Commercial Mortgages
Project Type	Multi Family, Mixed Use, Retail, Self-Storage, Warehouse, Light Industrial and other commercial assets
Loan Amount	$100,000 – $75,000,000
Loan To Value (LTV)	Up to 75%
Rent Coverage Ratio	1.25x
Loan Term	3/5/7/10/12/15/18, or 25 Year
Interest Rate	Starting at 7.5%+
Rehab Financing	Not Available
Proceed Usage	Purchase, Refinance, Unrestricted Cash Out
Those Who Qualify	US Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score	650
Points	2%+
Pre-Payment Penalty	Mutiple Options Available

Why Choose Express Capital Financing

Quick Funding

Get fast, reliable financing to seize opportunities with unmatched speed.

Maximum Leverage

Maximize your real estate portfolio effortlessly with higher leverage.

Unmatched Flexibility

Enjoy tailored loans that flexibly adapt to your needs and goals.

Apply Now

Insights & Resources

From powerful deal calculators that demystify complex financial scenarios to thought-provoking blogs that unravel industry trends, from exclusive events and webinars to our trusted affiliate partners – this is your go-to hub for staying ahead and making informed decisions in real estate.

Deal Calculators

Try it out today

Blogs

Insights & Resources

Deal Calculators

Try it out today

Blogs

Read the latest post

Events

Find events near you

Webinars

Watch the latest

Affiliate Partners

Find out more

Explore More Resources

FAQ

Who is Eligible for Financing?

We know how challenging it can be for landlords and commercial property owners/investors to secure funding for real estate. At this time, we only provide financing to commercial clients/investors who are LLCs and corporations for nonowner-occupied properties.

What States Do Express Capital Financing Service?

We provide funding nationwide, with the exception of the following states: Nevada, South Dakota and North Dakota

How Long Does it Take to Close?

Our closing process can be as short as 7 days. After the first deal is in, we can close in 5-7 days. Our processing clock starts from the initial point of contact.

How Much Financing Can I Receive?

We do not provide 100 percent funding on all deals. We provide 100 percent financing for rehab expenses. For purchase contracts, we provide up to 90 percent in funding. On rehab properties, we provide financing based on the after-rehab value (ARV). Rehab borrowers can receive 75% of their property’s ARV.

Costs that borrowers are expected to cover themselves include any over budget expenses for rehab properties, loan interest and settlement fees.

What is the Loan Application Process Like?

The application process is fast and simple. Ideally, we expect potential borrowers to include in their loan application a deal summary, proposed scope of work and purchase contract.

Depending on the deal, we may also ask for property comparisons. We’ll review your application and contact you right away to discuss your investment opportunity and inform you about lending requirements and borrower expectations.

We do not require any money from you upfront. Appraisals are required for all approved applications. You do not pay any fees until you receive our terms and conditions sheet regarding your deal.

How Do I Get Started?

We know that real estate deals are time-sensitive matters. We encourage you to complete the prequalification process to know exactly where you stand with us. Our loan experts do not believe in wasting your time or giving you the runaround.

Once you complete the prequalification/preapproval process, you’ll hear back from us within 24 hours. Our loan professionals speak to and meet with all borrowers before closing.

If you have a question that is not answered here or on our full FAQ page, or you are ready to apply to get the funds you need right away, contact us at Express Capital Financing to let us know. We’ll be more than happy to address your concerns, and clear up any confusion you may have and get your funding underway.