Mitch Vicknair
MBA with Accounting emphasis from Texas A&M University. B.S. Finance (Summa Cum Laude) from University of Houston.
20-year banking career managing commercial lending departments for major banks.
President of Texas region for Reliance Bank (2007) — funded $120M against a $50M goal.
CEO of American Finasco (2009-present) — debt restructuring company with 26+ years helping companies avoid bankruptcy.
Active in private mortgage lending as investor since 2008. Structuring and originating private mortgage loans since 2010.
Articles by Mitch
54 articles
Apr 15, 2025
Exhausted All Traditional Lending Options
• Low Credit Scores • Bankruptcy • Tenant Vacancies • Property Stabilization Issues • High Debt Ratios • Foreign National • Unique Ownership Structure We Are…
Nov 10, 2024
It’s Possible to Double or Triple Your Income!
It’s Possible to Double or Triple Your Income If you’re not maximizing the following five strategies, you’re not maximizing your earning capabilities, time…
Feb 29, 2024
Close Non-Financeable Loans Creatively
CREATIVE FINANCING SPECIALISTS use the following methods to make deals happen where others are unable to succeed. - Seller provides secondary mortgage…
Nov 8, 2023
Our Rates Remain Low
Hard Money Lenders | Private Mortgage LendersWe lend in all 50 states This year has been a roller coaster for conventional interests rates.
Jun 19, 2023
Properties We Financed First Quarter 2023
The following are properties we financed First Quarter 2023 Commercial Bldg/ Dance Studio
Feb 13, 2023
MAKE DEALS HAPPEN! (Part 2)
BE A CREATIVE FINANCIALING SPECIALIST CREATIVE FINANCING SPECIALISTS create or modify the DEAL STRUCTURE so that a loan within existing LTV parameters will…
Nov 16, 2022
What Are They Thinking?
10\. “If you make me a loan can I sell it? 9. “Do you care what kind of dog I adopt?”
Sep 22, 2022
Get Rich Quick! Right!
You know a borrower just attended a get rich quick real estate seminar when they say: What do you mean you don’t lend on residential real estate?
Aug 4, 2022
The Abandoned Mall Epidemic – Solution
Drive through any decent-sized city or town, and you’re bound to come across those large shopping centers built about 30 – 50 years ago that once were…
Jun 6, 2022
Our Current Loan Environment
The current loan environment makes it difficult for small businesses trying to bounce back from the pandemic.
Apr 3, 2022
COMMISSIONS PAID ON OUR FUNDED LOANS TO COMMERCIAL MORTGAGE BROKERS THE LAST 6 MONTHS
$100,000.00 Commission Note Purchase $2.8 Million Principal Balance bought for $1.775 Million on Arizona Auto Collision Shop
Dec 14, 2021
The Characteristics of the MOST SUCCESSFUL Mortgage Brokers I Deal With…
1\. They contact me with a COMPLETE loan package 2\. They have an executed representation agreement with the borrower 3\.
Nov 14, 2021
What are hard money lenders looking for?
There are general requirements for hard money loans, but they are not set in stone like traditional bank loans are.
Oct 13, 2021
Expand Your Portfolio with PMF Partners
If you are looking to build wealth or expand your portfolio, investing in real estate is an attractive option to accomplish both of these goals.
Sep 23, 2021
Brokers Commission
$1,050,000 Funded on Texas Residential Housing – Mortgage Broker Received $26,250.00 Commission *
Sep 12, 2021
Mortgage Brokers Double Your Income Without Adding People or Overhead
In other words, add revenue that’s almost all PROFIT. How? By bringing a transaction with a VERY LARGE profit potential to your private lender/investor.
Aug 15, 2021
Hard Money for Real Estate Investments
Hard money loans can be a great tool for real estate investors. Hard money provides investors who are looking to supplement investment deals with a stable…
Jun 30, 2021
Wave of Foreclosures
Millions of Americans took advantage of the payment suspension and mortgage forbearance programs both lenders and the federal government rolled out due to…
Jun 20, 2021
WE HAVE PAID BROKERS THE FOLLOWING COMMISSIONS ON OUR FUNDED LOANS THE LAST 6 MONTHS
Note Purchase $2.8 Million Principal Balance bought for $1.775 Million on Arizona Auto Collision Shop – Mortgage Broker Received $100,000.00 Commission…
Apr 11, 2021
Trending: Rise in Default Loans
With the U.S. trying to get back to a more normal economic basis, and COVID-related SBA loans, loan forgiveness, and foreclosure moratoriums likely to end…
Mar 30, 2021
Commercial Mortgage Brokers: 5 ways a refi can be successfully concluded
Commercial Mortgage Brokers: Can a refinance be successfully concluded when the borrower owes more than 80% of the property’s value? Yes…….Five Ways
Mar 15, 2021
Soft and Hard Money Loans
Hard money loans are very similar to bridge loans, with the primary differences being that most hard money loans are made by private companies and there are…
Mar 1, 2021
Conduit/CMBS Loans
Conduit loans are commercial mortgages that are pooled together and sold to investors on a secondary market.
Feb 22, 2021
SBA 504 Loan
Beyond the 7(a) program, the SBA offers loans specifically for owner- occupied real estate or long-term equipment purchases.
Feb 8, 2021
Traditional Commercial Mortgage
Most banks and other lenders provide commercial real estate loans for a variety of properties, including office buildings, industrial buildings, multi…
Jan 25, 2021
The least productive type of commercial mortgage loan type for brokers…..
Loan requests that in actuality need equity capital, not debt capital. Hands down. These come in three varieties 1\.
Jan 11, 2021
An Influx of Applicants for Hard Money
PMF Partners have noticed an influx of new applications from borrowers who normally wouldn’t use hard money.
Dec 14, 2020
A Reliable Source of Capital
Amidst the uncertainty about what the future holds, in many markets around the country commercial property investments are as strong as ever, and hard money…
Nov 19, 2020
Hard Money Loans during COVID
Getting a loan during COVID-19 will definitely be different than borrowers have been used to over the past few years.
Nov 1, 2020
Hard Money is not Dead!
Hard Money Lending is not dead! Although there have been significant changes due to the recent pandemic, you can still obtain a hard money loan!
Sep 10, 2020
Did You Know?
Did you know? A TRUE Hard Money Lender eliminates Credit History from the equation, and emphasizes Collateral.
Aug 13, 2020
Difference between Borrowers & Brokers for a Loan Request
Loan requests from borrowers or brokers? Borrowers that go through mortgage brokers are educated as to the type of loan, terms, and loan amount they can…
Jul 19, 2020
Crowdfunding…
With the advent of crowdfunding platforms in the past, there are many real estate and real estate-related investments available to the passive investor with…
Jul 2, 2020
Five Actions Commercial Mortgage Brokers Can Take Now to Increase Income
With many lenders cutting back or temporarily suspending lending activity, commercial borrowers who need credit are flocking to mortgage brokers.
Mar 9, 2020
What Were They Thinking?
What Are They Thinking? Recent Questions from People Wanting Commercial Mortgage Loans
Jan 26, 2020
Using a Broker…
The Reasons I Always Use A Broker when Purchasing Real Property 1\. Specific area knowledge
Nov 14, 2019
We closed and funded loan in 44 hours!
On Wednesday,, October 2, at 3:09 PM we received an email from a mortgage broker asking if we could close and fund a loan in two days.
Oct 14, 2019
Hard Money Loans On Raw Loan?
All experienced mortgage brokers know that the second hardest loans to place are loans secured by raw land. ( Church loans are the hardest!).
Sep 15, 2019
$ Missing Opportunity $
Most Commercial Mortgage Brokers I come in contact with are missing an opportunity to make a LARGE commission check.
Aug 14, 2019
Why Most Borrowers Should Use Mortgage Brokers – Part 1
As a direct lender, I am constantly told by “consultants” that I need to change my business from utilizing mortgage brokers for deal flow to operating…
Jul 15, 2019
What They Say and What They Really Mean
1\. “I’m looking to utilize the greatest leverage possible”………. “I have no money to put into the deal” 2\. “The seller and I have come to contract terms”……..…
Jun 24, 2019
The Five Greatest Borrower Delusions
1\. That they can borrow 100% of the purchase price because “the property’s worth double that” 2\.
May 5, 2019
How To Sell a Commercial Property that Can’t be Financed
Some commercial real estate just can’t be financed. The property is vacant, needs extensive repair, or there may be environmental, location, or structural…
Apr 21, 2019
The Five Biggest Frustrations for Mortgage Brokers
5\. Borrowers who decide to “go a different route” after you spend 20 hours sourcing their hard to finance loan 4\.
Mar 27, 2019
The Side of the Equation Investors Shouldn’t Ignore
Most investors, unless very experienced, concentrate almost exclusively on some method of measuring return on investment, i.e., cap rate, Internal rate of…
Feb 27, 2019
When is a “Hard Money Loan” NOT a Hard Money Loan
Different private and hard money lenders have different criteria for approving and funding a commercial mortgage loan.
Jan 28, 2019
PART 2 – MORTGAGE BROKERS: Most UNPRODUCTIVE Use of Time
Part 2: Mortgage Brokers Most UNPRODUCTIVE use of time 1\. Participating in a broker “Daisy Chain”
Jan 10, 2019
WHEN CAN I OFFER SELLER FINANCING?
Q: Do I Have to Own a Property Free and Clear to Offer Seller Financing? A: 1. Buyer assumes existing note ‘subject to’ and seller carries second lien
Nov 29, 2018
MORTGAGE BROKERS: SHOULD YOU BE A GENERALIST OR A SPECIALIST?
The brokers that bring us loans can be classified as either specialist, i.e., the specialize in a specific industry type, like gas stations, mobile home…
Oct 10, 2018
UPFRONT FEE?
Should Commercial Mortgage Brokers Charge Borrower’s an Upfront Fee? This is a hotly debated topic, with many investors, borrower’s, and real estate ‘gurus’…
May 13, 2018
Evaluating Passive Real Estate Investments
TICS (Tenants in Common), 1031 exchanges, REITS, Real Estate Mutual Funds, LLCs, Limited Partnerships.
Mar 18, 2018
Get Rich Quick! Sure!
You know a borrower just attended a get rich quick real estate seminar when they say: 5\. What do you mean you don’t lend on residential real estate?
Feb 28, 2018
How Commercial Mortgage Brokers can Earn $250,000 (or more) annually ?
After 20 years as a private mortgage/hard money direct lender, I have dealt with over one thousand commercial mortgage brokers.
Feb 26, 2018
What’s the Difference Hard Money or Private Loan?
The Difference Between a Hard Money Mortgage Loan and a Private Mortgage Loan Sometimes used interchangeably, these two terms are not synonymous.
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