Morris Ringer

Broker Relations Manager

Need a loan fast? Want more info on our lending options? Call or email our Broker Relations Manager, Morris Ringer anytime! He's ready to talk about your opportunity and find the best options for you.

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About Morris

Morris Ringer has cultivated a strong foundation in both real estate and finance through diverse, hands-on industry experience. He began his professional journey at InterGlobal Construction, where he worked on large-scale development projects throughout South Jersey and the Jersey Shore. During his time there, Morris gained direct exposure to the planning and construction of multifamily properties, learning how developers assess land value, manage project timelines, and create long-term real estate growth.

Morris later expanded his skill set in the financial sector at Quarum Holdings, a firm specializing in raising capital for private and public companies. His work involved exposure to capital markets, investor relations, and the financial structures that support business expansion. This experience strengthened his ability to evaluate opportunities, understand risk, and support organizations seeking strategic funding.

Drawing from both worlds, Morris combines development knowledge with financial insight to form strong, strategic relationships with brokers. His experience enables him to speak the language of both builders and capital providers, understanding what makes a property valuable and what makes a deal financeable. Brokers rely on Morris not only for resources, but for guidance that connects project potential with long-term investment strategy.

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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

	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	600 (Lower is case-by-case)
Points	2%+
Pre-Payment Penalty	None

Ground Up Construction Loans

	Ground Up Construction
Project Type	1-4 Unit Residences, Condominiums, 5+ Unit Multi Family, Mixed Use
Loan Amount	$250,000 – $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	680
Points	2%+
Pre-Payment Penalty	None

Multi Family/Mixed Use Bridge Loans

	Multi Family/Mixed Use Bridge Loans
Project Type	Multi Family (5+), Mixed Use
Loan Amount	$250,000 – $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

DSCR Loans

	DSCR
Project Type	Single Family Residential, Multi-Family (2-9 Units), Condominiums,Townhomes
Loan Amount	$50,000 – $3,000,000
Loan To Value (LTV)	Up to 85%
Rent Coverage Ratio	1.0x (No DSCR Available)
Loan Term	5/30, 7/30, 10/30, Fixed 30/30
Interest Rate	Starting at 5.875%+
Rehab Financing	Not Available
Proceed Usage	Purchase, Rate and Term, 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

	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 6%+
Rehab Financing	Not Available
Proceed Usage	Purchase, Rate and Term, 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

	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

	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

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Maximum Leverage

Maximize your real estate portfolio effortlessly with higher leverage.

Unmatched Flexibility

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

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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.