Richard Latkovsky

Loan Officer

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

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About Richard

Richard Latkovsky brings over a decade of expertise in mortgage lending and asset management to his role as a hard money lender and investment mortgage lender. His career is marked by extensive experience in business-to-business lending and a proven track record with high-net-worth clients in the hospitality industry.

Richard excels in helping clients build and refine their financial teams, leveraging his background in team development to provide tailored support. His innovative approach includes the creation of high-end payment processing systems for leading companies, underscoring his commitment to both efficiency and ethical business practices.

Detail-oriented and customer service-focused, Richard is dedicated to delivering strategic solutions that go beyond real estate transactions. He is committed to empowering clients with the systems and support needed for exponential growth and long-term success.

Hear From Our Happy Clients

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

Steve was exceptional in helping me through this process of finance.His patience, knowledge and kindness was superb . Steve took the time to educate me on the process during his busy schedule. He makes you feel like you are the only client. Steve helped get it done. I will recommend Express Capital Finance for your business needs.

I highly recommend Express Capital if you are looking to refinance or purchase. Natasha, Steve, and the rest of their team were so helpful. They answered all of my questions and explained every step of the process. I will definitely use them again in the future.

Straightforward financing partner who puts Investors’ success as their first priority. They have a network of credible service providers who all help to make a successful deal closing. Express Capital Financing is a knowledgeable and professional lender who has creative ways of financing – they drive deals to the closing table. Their values of honesty and reliability make a trusted financing partner.

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.

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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.