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Ryan Lo

Loan Officer

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

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Best Hard Money Lender

About Ryan

Ryan is Dedicated to making a meaningful difference in people’s lives, His career has been shaped by a passion for aiding others in their financial endeavors. Beginning in retail sales at a building supply store, He cultivated a foundation in customer service and tailored solutions. Transitioning to the domain of life insurance, He honed his skills in safeguarding futures and supporting families in securing their financial well-being.
Now, as a private money loan officer, He is embarking on an exciting new venture. Leveraging his diverse background and understanding of financial security, I specialize in guiding individuals through the intricacies of private money lending for real estate transactions. His focus is on providing clients with personalized guidance, empowering them to navigate the complexities of securing private funding for their real estate investments.
Ryan’s commitment to transparency, integrity, and client-centered service remains unwavering. He strives to serve as a trusted advisor, ensuring that each client receives tailored financial solutions aligned with their unique goals and aspirations in the real estate market.

Hear From Our Happy Clients

Find out about the positive experiences our valued customers have had.
Hunter Schenk
a week ago
John Sotiropoulos and his team at Express Capital are great. I have closed multiple loans with him, and they always go smootg. John always works hard to get me the best rates and terms, and to get the deal closed on time. I would recommend anyone who is looking for an investment loan to reach out to John.
Elyaant Armijos
3 weeks ago
Five-Star Lending Experience with Express Capital Financing! I have been working with Max. Jim and his team at Express Capital Financing for the past couple of years, and I am consistently impressed by their exceptional service. They are professional, knowledgeable, and always go above and beyond to ensure a smooth and successful lending process. I have closed multiple deals with them, and each experience has been nothing short of fantastic. If you are in need of a reliable and dedicated lending partner, I highly recommend Express Capital Financing. Thank you, Max, Jim and the team, for your outstanding support!
Christie Perez
4 weeks ago
Words cannot express my gratitude to John Sotiropoulos! While other lenders said no, John said, "Yes, we can make it happen. I am a seasoned real estate investor, and after completing several flips last year and earlier this year, my credit score took a hit. I came across a lucrative opportunity to purchase a lakefront property, but was turned down by my previous lender due to my scores despite our successful history together. This forced me to start from scratch in search of a new lender. I approached numerous lenders, but they too rejected me irrespective of my extensive real estate experience. I was close to passing on the lake house opportunity until I discovered John Sotiropoulos at Express Capital. From our first conversation, I felt an instant connection and knew he would deliver. John's knowledge, confidence, professionalism, and passion assured me that I was in great hands. He made me feel like a friend, not just a client or a number. When everyone else said no, John said, "Yes, don't worry, we will make this happen," and he kept reassuring me that he would bring me to the finish line, which he did. John kept me informed every step of the way. He worked tirelessly on my behalf, proving his dedication every time I called, texted, or emailed. The level of service he provided is unmatched in the industry. He delivered on every promise without the switch-and-bait tactics that are unfortunately common in this field. His team was fantastic, ensuring everything was handled seamlessly. Not only did we close on time, but every promise John made from our initial phone call was fulfilled. Thank you, John, for making this deal happen and taking me to the finish line. I am blessed to have found you and look forward to working with you and your company exclusively.
David Duke
a month ago
Good experience. Dan is very thorough.
smile grossman
2 months ago
John and his team were absolutely fantastic! Every step of the way, they were incredibly responsive and supportive, guiding me through the entire process with expertise and care. Having someone like John by your side in this business is truly invaluable. Thank you so much for all your help and dedication! Here's a snapshot of the amazing project we accomplished together.

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.

nt_header_0Fix & Flip Loans
Project Type1-4 Unit Residences, Condominiums, Townhomes
Loan Amount$75,000 – $5,000,000
Loan To Value (LTV)Up to 90%
Rent Coverage RatioNot Applicable
Loan Term12-36 Months
Interest RateStarting at 9.99%+
Rehab Financing100%
Proceed UsagePurchase, Refinance, Renovation, Bridge, Cashout
Those Who QualifyUS Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score620 (Lower is case-by-case)
Points2%+
Pre-Payment PenaltyNone

nt_header_0Ground Up Construction
Project Type1-4 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 RatioNot Applicable
Loan Term12-36 Months
Interest RateStarting at 9.99%+
Rehab Financing100%
Proceed UsagePurchase, Refinance, Renovation, Bridge,
Those Who QualifyUS Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score620 (Lower is case-by-case)
Points2%+
Pre-Payment PenaltyNone

nt_header_0Multi Family/Mixed Use Bridge Loans
Project TypeMulti Family (5+), Mixed Use
Loan Amount$500,000 – $10,000,000
Loan To Value (LTV)Up to 75%
Rent Coverage Ratio1.1x
Loan Term12 to 36 Months
Interest RateStarting at 10.5%+
Rehab Financing100%
Proceed UsagePurchase, Refinance, Cashout
Those Who QualifyExperienced or Newbies to Real Estate
Minimum Credit Score650 (Lower is case-by-case)
Points2%+
Pre-Payment PenaltyNone

nt_header_0Large Balance Bridge Loans
Project TypeApartments, 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 Ratio1.1x
Loan TermUp to 36 Months
Interest RateStarting at 9.9%+
Rehab Financing100%
Proceed UsagePurchase, Refinance, Cashout
Those Who QualifyUS Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score650 (Lower is case-by-case)
Points3%+
Pre-Payment PenaltyNone

nt_header_0DSCR
Project TypeSingle 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 Ratio1.0x (No DSCR Available)
Loan Term5/30, 7/30, 10/30, Fixed 30/30
Interest RateStarting at 7.25%+
Rehab FinancingNot Available
Proceed UsagePurchase, Refinance, Cashout
Those Who QualifyUS Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score650
Points1.5%+
Pre-Payment PenaltyOptions of: None, 1.0.0 or 3.0.0, 3.2.1 or 5.4.3.2.1

nt_header_0DSCR Portfolio
Project TypeSingle 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 Ratio1.0x
Loan Term5/30, Fixed 30/30
Interest RateStarting at 7.5%+
Rehab FinancingNot Available
Proceed UsagePurchase, Refinance, Cashout
Those Who QualifyUS Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score660
Points1.5%+
Pre-Payment PenaltyOptions of: 5.5.5 or 5.5.5.5.5, 3.2.1 or 5.4.3.2.1

nt_header_0Lite Doc Commercial Mortgages
Project TypeApartments (5-21+ Units), Industrial, Warehouse, Multi Family, Shopping Centers, Offices, And Many More..
Loan Amount$100,000 – $50,000,000
Loan To Value (LTV)Up to 80%
Rent Coverage Ratio1.2x
Loan Term5/7/10/15 or 30 Years
Interest RateStarting at 8%+
Rehab FinancingNot Available
Proceed UsagePurchase, Refinance, Unrestricted Cash Out
Those Who QualifyUS Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score650
Points2%+
Pre-Payment PenaltyOptions of: 5.5.5 or 5.5.5.5.5, 3.2.1 or 5.4.3.2.1

nt_header_0Full Doc Commercial Mortgages
Project TypeMulti 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 Ratio1.25x
Loan Term3/5/7/10/12/15/18, or 25 Year
Interest RateStarting at 6.25%+
Rehab FinancingNot Available
Proceed UsagePurchase, Refinance, Unrestricted Cash Out
Those Who QualifyUS Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score650
Points2%+
Pre-Payment PenaltyMutiple 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

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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

Webinars

Affiliate Partners

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.

Affiliate Partners

Find out more

FAQ

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.

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

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.

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.

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.

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.
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