About
Why work with Luis
OC Private Money is deliberately small. One person reviews the entire situation — the property, the purpose, the timing, and the exit — before an introduction is made to a lending professional.
Architectural detail photography. Not a photograph of OC Private Money staff.
What that experience looks like in practice
- A real estate investor
Luis approaches a scenario from the borrower's side of the table, because he has been there. Property decisions, timing pressure, and the cost of a stalled transaction are familiar rather than theoretical.
- A business owner
Running a business changes how you read a financing request. Cash-flow timing, seasonality, and the actual business purpose behind a request are part of the first conversation, not an afterthought.
- Experience with complex transactions
Entity ownership, partial vacancy, partnership structures, unusual timing, and transactions that do not fit a conventional box are common in private capital. Complexity is something to organize, not something to hide.
- One-on-one guidance
Scenarios are reviewed personally, so the property, the purpose, and the exit are understood before anything is organized for an independent lending professional.
- A single point of contact
From the first inquiry through the lending professional's process, one person stays responsible for keeping you informed and for making sure requests are answered.
Why one reviewer matters before an introduction
A scenario that reaches a lending professional half-formed usually comes back with questions rather than an answer — or does not come back at all. The purpose of the review is to make sure the transaction is understood and complete before anyone else spends time on it.
It also protects your time. If the scenario is consumer-purpose, owner-occupied, or otherwise outside what private capital handles well, you hear that in the first conversation instead of three weeks later.
Introductions are made selectively. That is only possible when one person has actually read the whole situation.
Prefer to start with a conversation?
A short conversation often adds context that a form cannot. Call, email, or send the details when you are ready.
Business-purpose financing only. All financing is subject to lender review, underwriting, and approval.