01
Construction & completion
Finish an incomplete build, cover a renovation shortfall, or discuss funding for your next construction project.
PRIVATE CONSTRUCTION & BRIDGE LOANS
Funding to finish
what you started.
Loan amounts from $250,000 to $60 million.
Construction delays. A funding gap. A closing that can’t wait. Work directly with Michael Kanter to explore private financing for your property, project, and goals.
No credit pull to submit your scenario.
Over 15 years of mortgage experience.
Michael Kanter · Access to multiple lenders.
BUILD. FINISH. MOVE FORWARD.
7 days*
Funding possible
on eligible, ready-to-close loans
60% CLTV
Maximum combined debt
relative to accepted property value
1st & 2nd
Mortgage options
plus property-secured credit lines
*Funding may be possible in approximately 7 days on eligible files. Timing depends on loan type, approval, valuation, title, documentation, and applicable waiting periods. Funding is not guaranteed.
A DIFFERENT PATH TO FUNDING
Real projects.
Practical loan options.
I’ll evaluate your property, project, and goals to identify suitable loan options across the lenders I work with.
02
First & second mortgages
Bridge a purchase or refinance. A second mortgage may let you access equity while keeping your existing first mortgage in place.
03
Private credit lines
Discuss a property-secured line for project costs or business needs. Availability, draw structure, and terms depend on your scenario.
IS THIS A FIT?
Strong equity.
A clear next step.
These are short-term loans. We start with the property, the funds you need, and how you plan to repay the loan.
Let’s look at your scenario01
You have room in your equity.
Total debt after closing generally cannot exceed 60% of the lender-accepted property value, including loans that remain in place.
02
Your situation needs flexibility.
An unfinished project, a maturing loan, or a time-sensitive purchase can call for an individual review.
03
You have a repayment plan.
That may mean selling, refinancing when eligible, or another documented source. Future refinancing is not guaranteed.
A SIMPLE SECOND-MORTGAGE EXAMPLE
On a property valued at $5,000,000:
$3,000,00060% total debt limit
−$1,750,000Existing first mortgage
=$1,250,000Potential new loan, before costs
15+ YEARS OF MORTGAGE EXPERIENCE
Your project.
My expertise.
I’m Michael Kanter, and I’ve spent over 15 years helping clients navigate mortgage financing. I work with many different lenders to compare options and find the right fit for your property, timeline, and goals. From evaluating terms to coordinating closing, I’ll guide you through the process.
Michael Kanter · Adaptive Mortgage Solutions
01 / SHARE
Tell me about the project.
Start with the property, current debt, requested funds, and timing. No tax returns or sensitive documents are needed for this initial inquiry.
02 / REVIEW
Compare your loan options.
I’ll draw on my lender relationships to compare suitable programs and explain the rates, costs, collateral, and repayment terms so you can make an informed decision.
03 / MOVE FORWARD
Work toward funding.
After you choose a loan option, I’ll help coordinate the next steps with your selected lender, from approval and valuation to title and closing.
LET’S LOOK AT YOUR PROJECT
You bring the scenario.
I’ll help find
the way forward.
Tell me what you’re working on and how much you need. I’ll review your scenario, compare suitable lender options, and help you choose a path forward.
Michael KanterMortgage Broker · NMLS #1081117
Need to move quickly? Call me directly.
YOUR LOAN SCENARIO
Step 1 of 2Let’s start with the property.
Estimates are fine. All fields are required.
Your request is received.
Thanks for sharing your scenario. Your inquiry is ready for review by Michael Kanter at Adaptive Mortgage Solutions.
This is an initial inquiry, not a loan approval. If you have a deadline, call Michael Kanter directly.
Call 949-828-5359No credit check was performed.BEFORE YOU GET STARTED
A few good questions.
What loan amounts are available?
Loan amounts range from $250,000 to $60 million. The amount available for your scenario depends on the loan program, collateral, and underwriting, including the 60% combined loan-to-value maximum.
Can you help if construction is already underway?
Yes. I can review incomplete construction, renovation funding gaps, and new construction requests with suitable lenders. They’ll evaluate the property’s condition, existing liens, remaining work, budget, and repayment plan. Availability and approval depend on the program and your scenario.
Can I keep my current first mortgage?
A second mortgage or eligible credit line may allow your first mortgage to stay in place. The remaining first mortgage, other liens, and new financing must fit within the program’s 60% combined loan-to-value limit. Lien position, existing loan restrictions, occupancy, and loan purpose also matter.
Does 60% CLTV mean I can borrow 60% on top of my mortgage?
No. It means the total debt secured by the property after closing is capped at 60% of the lender-accepted value. Debt that will remain in place reduces the amount available for a new loan. Costs, reserves, and holdbacks may further reduce the cash you receive.
Can the loan really fund in 7 days?
Funding may be possible in approximately 7 days on eligible, ready-to-close loans. I’ll review your deadline and suitable lender options with you. Timing depends on the lender, loan type, valuation, title, final approval, and required waiting periods. Construction complications and consumer-purpose requirements can extend the timeline.
What rates, fees, and loan terms should I expect?
Pricing and terms are quoted after reviewing your scenario. Costs may include lender origination, broker compensation, valuation, title, escrow, recording, and construction draw or inspection fees, depending on the loan. Private loans generally cost more than traditional mortgages and may have short terms, interest-only payments, and a balloon balance due at maturity. We’ll review the actual proposal, fees, and repayment plan with you before you decide.
Do I need to qualify using tax returns?
Private lending allows an individual review, but it does not mean every loan is approved without income or credit documentation. Requirements depend on the property, occupancy, purpose, and loan structure. You do not need to upload tax returns or authorize a credit pull to send this initial inquiry.
What property locations and occupancy types are eligible?
Share the property address and whether it is your home, an investment, or commercial property. Availability depends on current lender programs and applicable licensing. Owner-occupied and consumer-purpose loans require separate review; not every advertised structure is available for every property or purpose.