Joey Zaniboni - CV3 Financial Services

Don't miss out on the chance to see if you can get up to 90% LTV and 100% of your rehab budget financed. Shoot me a message to learn more!

Are the roof and windows installed, but your budget is off and time is up? Don't let a maturing loan or increased budget delay your project. Shoot me a message to see how our Construction Completion Financing can get your project over the finish line.

Our rental financing now has lower pricing options for your long-term investment needs. Shoot me a message to take advantage of these new rates.

>> Floor rate dropped to 6.99%
>> Start rate lowered by 0.5%
>> Pricing improvements for specific loan scenarios down as much as 1%

Just a few days away from REI Summit in Denver! Looking forward to connecting with my fellow investors and industry professionals - If you're attending, shoot me a message or stop by the CV3 booth #218 to say hello. LETS GOOOOOO

With our Bridge-to-Sell financing, you don't have to wait for your investment property to sell to access the equity. Roll those funds into the next project and keep the deal pipeline full! I can help you refinance and pull cash out even after you've listed it on the market.

Just listed your investment property on the market to sell? Give yourself security as the seller with our Bridge-to-Sell financing solution by tapping into the established equity and pulling cash out. Why wait on the sale which could take 1-3 months and have your hands tied in the meantime? Keep that money and your business ROLLING. Time is money! Contact me for more info.

I’m not saying we're trying to take over the U.S. map (and possibly the world), but we ARE dropping pins and slingin’ loans in four new states, so you’d be forgiven for such thoughts. Got a deal in these fresh territories or any of the other 33 states we've already claimed? Slide into my DMs and let's get the ball rolling. 🌍💼

While most lenders require you to own the property for at least 6 months, we will do a cash out refi on the property as soon as the rehab is completed. Call me if you're ready to cash-out!

You now have more choices in rental product financing with our addition of 30-Year Fixed-Rate financing! Shoot me a message to learn more.

Excited to share that CIVIC is now lending in Missouri! Have a deal on your desk? Questions you want to talk through? Send me a message or give me a call.

Where are my Connecticut investors at? CIVIC is now lending in the great state of Connecticut! Have scenarios or questions, send me a message and let's connect.

Skyrocketing interest rates have caused the average monthly mortgage payment to nearly DOUBLE since March 2020. This is killing demand for sellers but causing rental demand to soar. Everybody needs to live somewhere and if they can't buy, they rent. Smart investors are ADAPTING to this rapidly changing landscape, hanging on to their properties, riding out the storm, and benefiting from rapidly increasing rental rates.

If you want to discuss strategy give me a holler, we have the tools to assist with both the purchase & rehab financing as well as the takeout long-term financing once the project is rent-ready!

Interest-only ARM loans are more popular than ever right now, as the IO payments help minimize the damage from these higher rates we are all dealing with, and thus keep you cash-flow positive on a month-to month basis. And when rates drop back down to earth, I'll be here to help you refinance!

Call me and let's lock in your rate, because who knows where rates will be tomorrow!

CIVIC has been named the #1 Best Mortgage Company to Work for in 2022 by National Mortgage News. Proud to be a part of this team! To all my investor clients and friends -- people love to work here because we get loans DONE . Call me, let's talk!

Now lending in MA, the place of my birth and home to the greatest football dynasty of all time aka PATS Nation as well as the best chowdah and Italian subs on the planet!
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Also now lending the home of the Hoosiers, Larry Bird, and long time home of the guy who for many years went head to head with my man Tom Brady for the title of greatest living QB, Peyton Manning. However this was before Tom actually started aging in reverse and collected his 4th, 5th and 6th rings 😜
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Hit me up if you’re doing deals in MA & IN and any other states on our map! (3rd pic)

5.0 star review received on Experience.com for Joe Zaniboni by Jose V. - Well done 👏thanks again for all y think that if I didn't choose to work with Joe zanibini i will never be able to make it through and I think that by me taking this opportunity with civic financial I got another door open thanks very much and thanks to all that make this loan possible

pro.experience.com

5.0 star review received on Experience.com for Joe Zaniboni by Quintin S. - Joe Z. was great!

pro.experience.com

This one's gonna be a doozy!
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My client purchased this recently renovated property on almost 6 acres, and had the land subdivided into 3 separate lots as a condition of the sale. He plans to build on the two vacant lots and take this now 1.5 AC+/- lot with the existing property from high-end to SUPER high end.

🛠 Scope of Work:

- Converting the 2-car garage into living space along with new entryway w/ view balcony from 2nd floor, adding 643 sq ft to existing 2,721 sq ft home

- Reframing/changing the layout of part of the existing 1st floor into a master suite, walk-in closet, full bath, laundry room, sliding doors to patio, etc.

- Building a new 2 car attached garage.
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💰Financing:

We were able to do a rate & term refinance and provide the borrower with enough funds to pay off the loan he used for the initial purchase AND roll in all of his closing costs, so zero money out of pocket at closing. On top of that we'll be financing 80% of his $146,000 rehab, bringing our total loan to 75% of the projected $810,000 ARV.
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📝Take-aways:

1. This deal is a HOME-RUN overall for the borrower, but the real value play here is in the land. By having the land subdivided as a condition of the sale, he created additional equity before he even closed on the sale! That is REI blackbelt ninja level stuff.
2. Appraisals are taking a long time right now due to high demand nationwide, and the turn-around times we were quoted for appraisals almost killed the deal. I was able to lobby our valuations team to allow for an exception to complete a condensed appraisal (BPO) on this, which ended up saving us weeks, and allowed us to get it closed in just over 2 weeks.
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Problems are going to arise on any deal. A good loan officer is going to FIGHT for their client to overcome any obstacles that can and inevitably will pop up. It's not all dollars and cents, it's also about knowing that you can trust your lender/LO to get the deal to the finish line!

7.5% for bridge/fix & flip! 5.25% (interest only) for rental! I mean folks...these are crazy low rates, I don’t care who you are!
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In my experience people tend to focus a bit too much on finding the absolute cheapest rates possible for their RE investment loans and underestimate the importance of service, reliability, and efficiency.
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I often get calls from investors who were initially drawn in by the siren song of some unproven lender offering the lowest rates, but were ultimately left hanging out to dry, their cheap lender re-trading on terms or even denying the loan at the closing table, poor communication, or even running out of liquidity and shutting their operations down abruptly when the pandemic began in 2020.
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Those investors end up coming running back to me to get the job done. Because they know I will. And then they never leave.
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And normally I remind them that like anything else in life, you get what you pay for.
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With all that said, CIVIC, is now officially a private money unicorn. Best service and best rates in our space.
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We’re here to compete. Call me.

If you’re not on yet it’s time to get on it! This app is going to change the world.
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Part of a panel of real estate rockstars to answer questions on all things real estate finance & investing.
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We’ve got 200+ in the room right now hop in we’re doin it live!

Just closed! Big fix & flip project in Burlingame, CA
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Specs: 2 bed / 1 bath / 1,420 sq ft hoarder house
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Game-Plan: Gut & remodel existing home, expand footprint with an addition of roughly 925 sqft, and build a 650 sq ft ADU.
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Takeaway: We do 2 year bridge loans! A 24 month term is perfectly suited to a larger deal like this, where between permits, and an extensive renovation/build process, the timeline will easily stretch beyond 12 months.
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Congratulations Ken, looking forward to seeing the finished product!

When I first entered college I shied away from business and finance because I believed I was bad at math. I knew I wanted to study real estate and investing but I was afraid I wasn’t cut out for it.
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Man am I grateful that I shut that voice down and decided to go for it anyway!
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The only thing holding you back from doing anything you want with your life is the story you’re telling yourself as to why you can’t do it!

COVID-19 continues to accelerate the trend of people fleeing expensive cities to more affordable areas.
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Check out this list of the most affordable & fastest growing cities and click the link in my bio for the full article containing more details and the methodology behind these stats.
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This is a great list to consider for those seeking a emerging markets for investment!
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What market do you like on this list and why?
@ Carlsbad, California

Huge congrats to .goddess on your most recent flip!
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Specs: 3 bed / 2 bath, 1,044 square feet SFR with additional 420 sq ft non-conforming space.
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Game Plan: Refinance / Fix & Flip - After running into delays with permitting at the city level, Cristina's private lenders ran into a personal emergency and needed to recoup their funds. Cirstina contacted me, and we were able to refinance the deal mid-rehab and fund the remaining repair costs, so that Cristina could pay off her lender and finish the job right!
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Take-Away: We will lend on mid-rehab projects! These deals are a bit more complex, as it becomes more challenging to asses the AS-IS value, which is what we base our INITIAL loan proceeds off-of. However, for the right investor, and subject to an appraisal, we can get the job done for you.
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Thanks again Cristina, looking forward to many more!

Just funded this little beauty in El Cajon for my guy . Always nice to fund deals close to home!
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Specs: 1 bed / 1 bath, 621 square feet SFR
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Game Plan: Fix & Flip - quick and easy cosmetic rehab
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Congrats and thanks again Joe, I owe you a drink!

A couple exciting updates for you guys...
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We just increased our LTVs and lowered our rates!
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Give me a shout and let’s talk business!

Last up on the the Know Your Market Series, we’re talking barriers to SUPPLY.
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We talked about plenty of factors that affect demand in previous posts.
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Supply is the other and equally important side of the equation!
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Constraints to supply are a good thing to an extent, as they help limit the number of competing units that can be built in your area.
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Low supply + high demand = increased value to your investment!
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What other barriers to supply do you see in your local market?

Local government can have a HUGE impact on your investment!
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Here are some key aspects of your local government to pay attention to.
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Almost all of this info can be found at the website of your local government entity.
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It might also be a wise idea to call or visit the code enforcement office in your city and ask them about relevant laws you should be aware of as an investor.
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Double tap if you find this helpful and tell me about a lesson you learned the hard way about your local government in regards to your investments!