Fix & flip, construction
& bridge loans —
closed in 7–10 days.
I'm CJ Berina, hard money lender at Quanta Finance. Real estate investors come to me for fast, reliable capital: up to 90% of the purchase and 100% of the rehab, up to 75% LTARV, with low origination and no games at the closing table. Lending nationwide except MN, NV, NY, ND, SD & UT.
Loan programs
Fix & flip loans
Up to 90% purchase / 100% rehab, up to 75% LTARV, interest-only from 8.75%. Draws released fast so your crew never waits.
Fix & flip terms →Ground-up construction
Up to 85% LTC with 100% of construction funded, 65% LTARV, rates from 10%. Land + vertical in one loan.
Construction terms →Bridge loans
85–90% LTV by experience at the same fix & flip rates — no rehab budget required. Buy fast, refinance or sell on your timeline.
Bridge terms →DSCR rental loans
30-year fixed at 70–80% LTV, rates 6–8%, qualified on the property's rent — brokered to the best-fit lender for your deal.
DSCR terms →What borrowers say
“CJ and the Quanta Finance team have been amazing. They’ve helped me successfully close on 3 deals with excellent rates and fast closings every time. Their communication and execution are top-notch.”
“The level of efficiency from CJ in Quanta Finance is unmatched. We’ve closed three deals in the last 12 months, all within 14 days. The process has been seamless every single time.”
“CJ went above and beyond for us when every other loan program told us it wasn’t possible. His communication was clear, fast, and consistent throughout the entire process. He got everything done on time without any hiccups.”
“CJ was always professional, communicated clearly and quickly. He was able to broker something far better than we could find direct with a lender. He coordinated with us, the lender, title, the seller’s rep, and everyone else involved.”
“We had a bit of a tricky situation and CJ was able to get us funded. We are forever grateful that he knew exactly who to put us with due to his experience in the industry.”
“CJ went to great lengths to find a private lender who fit our expansion needs. He was professional and worked with a sense of urgency to ensure that we could close our acquisition.”
Why investors work with CJ
Direct lender
Decisions made in-house at Quanta Finance — no committee roulette, no re-trading at the finish line.
Speed you can plan around
7–10 day closes are the norm. Borrowers have closed three deals in 12 months with me, all inside 14 days.
An investor's lender
Founder & host of the Valley Real Estate Meetup. I underwrite like someone who talks to flippers every week — because I do.
Get a quote
Tell me how to reach you and I'll respond same business day. Have deal details ready? Use the deal forms on each loan program page.