Andrew Malm | Preferred Lender – Buy, Build & Flip Community
Preferred Lender for Jerome Maldonado's Buy, Build & Flip

Your deal. Funded.

First ground-up build or twentieth DSCR rental: there's a program that fits. 100+ lender relationships. Thousands of programs. One conversation to find out where you stand.

100+ lender relationships First-build programs No hard credit pull to start Hablamos Español

Get Your Deal Reviewed. Free.

About 60 seconds. No hard credit pull. No commitment.

Question 1 of 8

What are you working on?

Question 2 of 8

Where does the deal stand?

Question 3 of 8

Where's the property?

Question 4 of 8

Rough numbers. Best guesses are fine.

All optional. If you own the property, use current value for purchase price.

Question 5 of 8

When do you need to close?

Question 6 of 8

Completed deals so far? Flips, builds, or rentals.

Question 7 of 8

Tell me about the deal.

Question 8 of 8

Where do I send your review?

I review every submission personally and reply within one business day.

By clicking "Submit My Deal," you agree to the Privacy Policy and consent to receive emails, phone calls, and SMS/text messages (including automated messages) about your inquiry from Andrew Malm and Edge Home Finance Corporation at the contact information provided. Message frequency varies; message and data rates may apply. Reply STOP to cancel, HELP for help. Consent is not a condition of obtaining a loan.

Got it. I'm on it.

Your deal just hit my desk. I review every submission personally and I'll reach out within one business day.

Watch for my text, and check your email (and spam folder) for a confirmation. Want to talk sooner?

No hard credit pull to get started. Your info is never sold.
100+ lender relationships· 1,000s of loan programs· Licensed in 49 states*· $0 extra cost to use a broker†
Full Loan Menu

Every program for every stage

Breaking ground on your first build or scaling a rental portfolio: my job is matching your deal to the lender who fits, across 100+ lender relationships.

Entry Point

First-Build Ground-Up

Some ground-up programs will consider a first-time builder when a licensed, experienced GC anchors the team.

  • Up to 80–85% LTC
  • Licensed GC required
  • Deal #1 makes deal #2 easier to finance
Experienced

Investor Construction Loan

Flip history and rentals count. You may already be "experienced" in a lender's eyes.

  • Up to 85–90% LTC
  • 65–70% LTV of ARV
  • Flip & rental history qualifies
Own Your Build

One-Time Close (FHA/VA/Conv)

Build your own primary residence with a single close and one appraisal. Low down payment options for those who qualify, including VA benefits for eligible veterans.

  • Owner-occupied
  • One close, one appraisal
  • Builds your lending resume
No Income Docs

DSCR Rental (1–4 Units)

Qualifies on the property's cash flow, not your personal income.

  • Up to 85% LTV purchase
  • Up to 80% cash-out
  • Short-term rentals eligible
Scale Up

DSCR Rental (5–8 Units)

DSCR underwriting on larger properties. Documents your multi-family experience.

  • Not full commercial underwriting
  • Opens bigger doors
Experience Builder

Fix & Flip / Rehab

Purchase and rehab in one loan. Every flip is documented experience you can bring to construction lenders.

  • Purchase + rehab in one loan
  • Builds your investor resume
Speed

Bridge Loans

Acquire before permanent financing is in place. Speed is the edge.

  • Short-term acquisition
  • Bridge to permanent or sale
Unlock Equity

Cash-Out Refinance

Turn equity in a property you already own into capital for the next one.

  • Investment and primary options
  • DSCR cash-out for rentals
Equity Access

Investment Property HELOC

A line of credit on equity you already have. Draw when the next deal shows up, without touching the financing already in place.

  • First and second lien options
  • Draw, repay, and draw again
1031 Strategy

1031 Exchange Bridge

Don't lose your replacement property to a deadline while your exchange completes.

  • 45-day ID & 180-day close deadlines
  • Defer gains, keep investing
Go Bigger

Step Up to Multi-Family

Move from single-family flips into 5+ unit builds and DSCR portfolios.

  • 5+ unit ground-up construction
  • Portfolio growth strategy

Program guidelines shown are illustrative examples only, vary by lender and scenario, and are subject to change and full qualification. Not an offer of credit.

The Process

From first call to funded

Four steps. No surprises.

1

Tell Me Your Deal

Use the 60-second review above, or call/text. No hard credit pull to start.

2

I Match the Program

I run your scenario across 100+ lenders and come back with real options.

3

I Quarterback It

Application, underwriting, appraisal, conditions: I stay on it.

4

You Close

Funded. And every transaction builds your profile for the next one.

Why Work With Me

I'm not a bank.
I'm your advocate.

A bank can only sell you what they have. I work across 100+ lender relationships, with no incentive to push you into the wrong one. My job is finding the lender who sees your deal, even when that means a smaller deal for me.

"I'll tell you exactly where you stand, what's holding you back, and what it would take to get more. Most lenders won't do that. I will."Andrew Malm, NMLS #2663426
100+Lender relationships
1,000sLoan programs
49States licensed*
$0Extra cost to you†

100+ Lender Relationships

Credit profiles, experience levels, deal types: my job is finding the lender who sees your deal.

Built for BBF Members

I understand the Buy, Build & Flip playbook. Construction, DSCR, bridge, flip: I know what you're building toward.

Straight Talk, Every Time

Exactly where you stand today, and a clear path if you're not quite there yet.

For-Purpose Giving

A portion of every commission funds giving initiatives, at zero cost to you.

FAQ

Questions BBF members ask most

Do I need experience to get a construction loan?
Some programs will consider a first-time builder when a licensed, experienced general contractor anchors the team. And every deal after that makes the next one easier to finance.
What is a DSCR loan and who is it for?
DSCR stands for Debt Service Coverage Ratio: a loan that qualifies based on the property's rental income, not your personal income. If the property cash flows, you may qualify. Ideal for scaling a rental portfolio without tax returns or W-2s.
Can I close in an LLC?
Yes. Most investor programs (DSCR, fix & flip, bridge, construction) support closing in an LLC, corporation, or trust. Standard practice for portfolio protection.
What's the difference between fix & flip and DSCR?
Fix & flip loans are short-term (6–24 months) for properties you plan to sell. DSCR loans are long-term rental financing for properties you hold. Common strategy: flip to acquire and rehab, then refi into DSCR once stabilized (the BRRRR method).
How fast can you close?
In the right scenario: fix & flip and bridge in roughly 7–14 days, DSCR in 21–30 days, construction in 30–45 days. Timelines vary by lender, scenario, and third parties. I set realistic expectations upfront and push hard to hit them.
Does it cost me anything to use a broker?
In most cases, no. Brokers are typically compensated by the lender, not out of your pocket. You get more options and someone working for you. Compensation structures are always disclosed before you commit.
Is there a cost to get my deal reviewed?
Zero. Submit your deal or call: no hard credit pull to start. I'll review it, tell you which programs fit, and give you realistic terms. Credit review is required for a formal application, but we don't start there.
One conversation changes the picture

Most BBF members have more options than they think.

Tell me what you're working on. The 60-second review is the fastest way to find out where you stand.

Get My Deal Reviewed

or call/text 763-373-9360

Andrew Malm NMLS #2663426 · Edge Home Finance Corporation NMLS #891464 · NMLS Consumer Access
All loans subject to lender approval and full qualification. This is not an offer of credit or a commitment to lend. Terms, rates, and program availability are subject to change without notice. Equal Housing Opportunity.
Preferred Lender for Jerome Maldonado's Buy, Build & Flip Community. This page is operated by Andrew Malm and is not owned by Jerome Maldonado or Zinra, LLC.
*Licensed in 49 states through Edge Home Finance's client care team. Not licensed in New York. Licensing coverage varies by loan program and lender. Not all programs available in all states. For business-purpose loans, licensing requirements vary by state and loan type. Contact us for details on availability in your state.
†Broker compensation is typically paid by the lender; details are disclosed in your loan documents.
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Equal Housing Opportunity