I'm Andrew Malm — the preferred lender for Jerome Maldonado's Buy, Build & Flip community. Whether it's your first ground-up build or your twentieth DSCR rental, I have the program that fits. 140+ lender relationships. Thousands of programs. One call to find out where you stand.
No credit pull. No commitment. I'll tell you exactly what you qualify for.
Whether you're breaking ground on your first build or scaling a rental portfolio, I'll match you to the right program — across 140+ lender relationships.
No track record required. A licensed GC on your team gets you in the door.
Flip history and rentals count. You're likely already "experienced" in the lender's eyes.
FHA up to 96.5%. VA up to 100%. Single close, one appraisal.
Qualifies on cash flow, not personal income. Scale without the paperwork.
DSCR underwriting on larger properties. Documents multi-family experience.
Every flip is documented experience — and it opens doors to construction financing.
Acquire before permanent financing is in place. Speed is the edge.
Don't lose your replacement property to a deadline. Bridge the gap while your exchange completes.
Ready to go bigger? Move from single-family flips into 5+ unit builds and DSCR portfolios.
Four steps. No surprises.
Submit the form, call, or text. No credit pull to start.
I run your scenario across 140+ lenders and come back with real options.
Application, underwriting, appraisal, conditions — I stay on it.
Funded. Deal done. Every transaction builds your profile for the next one.
A bank can only sell you what they have. I work across 140+ lender relationships — with no incentive to push you into the wrong one. My job is finding the right fit, even when that means a smaller deal for me.
If a deal makes sense, I can find the money — across credit profiles, experience levels, and deal types.
I understand the Buy, Build & Flip playbook. Construction, DSCR, bridge, flip — I know what you're building toward.
I'll tell you exactly what you qualify for today — and give you a clear path if you're not quite there yet.
Every deal funds something bigger. A portion of every closed loan goes to organizations doing real work — at zero cost to you.
No — there's a specific zero-experience program for first-time builders. A licensed, experienced general contractor on your team satisfies the requirement. Every deal after that makes the next one easier to finance.
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 can qualify. Ideal for scaling a rental portfolio without the paperwork.
Yes. Most investor programs — DSCR, fix & flip, bridge, construction — support closing in an LLC, corporation, or trust. Standard practice for portfolio protection.
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 (BRRRR method).
Fix & flip and bridge: 7–14 days in the right scenario. DSCR: 21–30 days. Construction: 30–45 days. I set realistic timelines upfront and push hard to hit them.
In most cases, no. Brokers are compensated by the lender, not out of your pocket. You get more options and someone working for you without an extra fee.
Zero. Submit your deal or call — no credit pull to start. I'll review it, tell you which programs fit, and give you realistic terms. Credit review required for formal application, but we don't start there.
Tell me what you're working on. Most BBF members are surprised how many more options they have than they thought.