Andrew Malm | Preferred Lender – Buy Build Flip Community

Andrew MalmPreferred Lender · Buy, Build & Flip

Preferred Lender — Jerome Maldonado's Buy, Build & Flip

Your deal. Funded.

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 conversation to find out where you stand.

Start My Deal Review → Call or Text Andrew

🏦 140+ lender relationships 🏗️ Zero-experience programs 🔒 No credit pull to start 🇲🇽 Hablamos Español

GET YOUR DEAL REVIEWED — FREE

60 seconds. No credit pull. No commitment.

Step 1 of 6

What are you working on?

Pick the one closest — you can explain later.

Step 2 of 6

Where's the property?

Property state *

City (optional)

Select the property state.

Step 3 of 6

Rough numbers — best guesses are fine.

Purchase price / payoff

Rehab / build budget

After-repair / completed value (ARV)

Step 4 of 6

Timeline & experience

When do you need to close?

Completed deals (flips, builds, or rentals)

Pick a timeline and experience level.

Step 5 of 6

Tell me about the deal.

What's the story? The property, your plan, what you need — anything you'd tell me on a call. *

Give me at least a sentence — it's what I review.

Step 6 of 6

Where do I send your review?

First name *

Last name *

Phone *

Email *

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 Corp at the contact information provided. Message frequency varies; msg & data rates may apply. Reply STOP to cancel, HELP for help. Consent is not a condition of obtaining a loan.

Name, valid phone, and email are required.

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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.

Check your email (and spam folder) for a confirmation. Want to talk sooner?
Call or text 763-377-2758

🔒 No credit pull to get started. Your info is never sold.

140+ 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 — I'll match you to the right program across 140+ lender relationships.

Entry Point

Zero-Experience Ground-Up

No track record required. A licensed GC on your team gets you in the door.

Up to 80–85% LTC
Licensed GC required
Unlocks better terms on deal #2

Experienced

Investor Construction Loan

Flip history and rentals count — you're likely already "experienced" to a lender.

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

Low Down Payment

One-Time Close (FHA/VA/Conv)

FHA up to 96.5% — VA up to 100% for eligible veterans. Single close, one appraisal.

Owner-occupied
12-month occupancy
Builds 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 multi-family experience.

Not full commercial underwriting
Opens bigger doors

Experience Builder

Fix & Flip / Rehab

Every flip is documented experience — and opens doors to construction financing.

Purchase + rehab in one loan
Builds investor resume

Speed

Bridge Loans

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

Short-term acquisition
Bridge to permanent or sale

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.

Submit My Deal — Free to Start →

The Process

From first call to funded

Four steps. No surprises.

Tell Me Your Deal

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

I Match the Program

I run your scenario across 140+ lenders and come back with real options.

I Quarterback It

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

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 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.

"I'll tell you exactly what you qualify for, 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

140+Lender relationships

1,000sLoan programs

49States licensed*

$0Extra cost to you†

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140+ Lender Relationships

If a deal makes sense, I can find the money — across credit profiles, experience levels, and deal types.

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Built for BBF Members

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

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Straight Talk, Every Time

Exactly what you qualify for today — and a clear path if you're not quite there yet.

🎯

For-Purpose Giving

A portion of every closed loan goes to organizations doing real work — at zero cost to you.

FAQ

Questions BBF members ask most

Do I need experience to get a construction loan?

No — there are zero-experience programs 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.

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 the paperwork.

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 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 763-377-2758