Fix & Flip Investors
Purchasing and renovating property for resale.
PRIVATE MONEY & BUSINESS-PURPOSE REAL ESTATE FINANCING
Private Money Financing
Built for Real Estate Investors
Flexible business purpose financing solutions for acquiring, improving, refinancing, and growing your real estate portfolio.
Home of Up to 80% LTV Foreign-National DSCR Financing
Long-term rental financing for qualified non-U.S. investors, with no U.S. income required.
Explore Foreign-National DSCRMore Than 40 Years of Lending Experience
Nationwide Financing Solutions
First-Time and Experienced Investors
Multiple Financing Programs
- WELCOME TO HML4Investors
Your Private Money Lending and Small-Balance Commercial Financing Specialist
Your One-Stop Solution for Real Estate Investment Financing
HML4Investors provides nationwide financing solutions designed specifically for real estate investors. We identify each client’s goals, objectives, investment strategy, and financing requirements, then structure funding solutions aligned with the opportunity and the client’s long-term vision.
From private money financing for fix & flip projects and DSCR loans to bridge, construction, multifamily, and small-balance commercial financing, our focus is clear: understand each client’s goals and financing objectives, understand the transaction, structure the financing, and move the opportunity toward closing.
We welcome both first-time and experienced real estate investors pursuing fix & flip opportunities, long-term rental properties, portfolio growth, and other real estate investment strategies.
At HML4Investors, we specialize in flexible, investor-focused financing solutions that may not be available through traditional banks.
Explore Our Loan Programs
Fix & Flip
Short-term capital to purchase and renovate investment property for resale, with funding structured around the deal's purchase price and rehab budget.
DSCR Rental
Long-term financing for rental property qualified primarily by the property's cash flow rather than personal income documentation.
Ground-Up Construction
Financing for new-build investment or small commercial construction, from land acquisition or vertical build through completion.
Bridge
Short-term financing to move quickly on acquisition, transition, or repositioning before securing longer-term financing or a sale.
Multifamily
Acquisition, refinance, or value-add financing for multifamily investment property.
Small-Balance Commercial
Financing for smaller commercial and mixed-use property acquisitions, refinances, and repositioning projects.
WHO WE SERVE
HML4Investors structures financing for investors and business owners at every stage, from a first deal to an expanding portfolio.
Builders & Developers
Constructing new investment property from the ground up.
Buy-and-Hold Landlords
Acquiring or refinancing long-term rental property.
First-Time Investors
Entering real estate investing for the first time.
Experienced Portfolio Investors
Scaling a growing portfolio of properties.
Business Owners
Financing commercial property for their own operations.
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Dr. Michael Aaron & Associates LLC does not sell or share personal information with third parties for marketing or promotional purposes. Privacy Policy
Find the Right Financing for Your Deal
This short multi-step inquiry helps route your deal to the right financing option and typically takes a few minutes. Active borrowers ready to apply should use Apply for Financing instead.
Why Investors Work With HML4Investors
Focused Exclusively on Investors
Financing focused exclusively on investors and business-purpose transactions, never consumer mortgages.
Solutions at Every Stage
Guidance for new investors, experienced operators, and real estate professionals alike.
More Than 40 Years of Experience
Decades of hands-on lending and investor-relationship experience guiding every deal.
Access to Multiple Funding Sources
The ability to structure financing through a range of funding sources rather than a single fixed program.
Deal-Specific Structuring
Financing is structured around the specifics of the property and transaction, not a one-size-fits-all product.
Relationship-Based, Investor-Focused Service
Clear communication and a long-term relationship approach built for repeat investors and portfolio growth.
Why Investors Work With HML4Investors
Recently Funded
These are verified, closed transactions that illustrate the range of deals HML4Investors helps structure.
Atlanta, GA — Fix & Flip — $185,000
Investor needed fast funding to secure a distressed property under a tight contract deadline. Structured a purchase-and-rehab facility that closed ahead of the deadline. Closed June 2026.
Charlotte, NC — DSCR Rental — $240,000
Landlord's personal income didn't reflect the property's strong rental cash flow. Financing was qualified on the property's DSCR rather than personal income. Closed April 2026.
Tampa, FL — Small-Balance Commercial — $310,000
Business owner needed financing on a compressed closing timeline to acquire an operating location. Structured small-balance commercial financing that closed within the buyer's timeline. Closed February 2026.
Meet Dr. Michael Aaron
Dr. Michael Aaron is a Lending Specialist and The Hard Money Loan Coach®, with more than 40 years of experience in the lending industry, including leadership as former president and CEO of a lending company that grew from one location to 13 offices throughout the Southeast. He holds an MBA and DBA and is committed to helping first-time and experienced investors build portfolios, create wealth, and pursue long-term goals.
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How It Works
Tell Us About the Deal
Share the property, purpose, and financing need.
Review Available Financing Options
We identify the programs and funding sources that may fit.
Submit Required Documentation
Provide the borrower, property, and transaction documents requested.
Move Toward Approval and Closing
Work through underwriting toward a closing date.
Investor Resource Center
HML4Investors publishes guides, checklists, and calculators to help investors prepare for financing decisions.
How DSCR Loans Qualify the Property, Not Your Paycheck
Explains how DSCR financing is underwritten around rental income rather than personal income.
The First-Time Investor's Fix & Flip Financing Checklist
A practical checklist for investors preparing their first fix-and-flip financing request.
How Rehab Draws Work
Explains how renovation funds are disbursed in stages during a project.
What our customers have to say...
Trusted by Investors and Real Estate Professionals.
Testimonials
A.A., Real Estate Investor — Indianapolis, Indiana
“I highly recommend Dr. Mike for anyone seeking a knowledgeable and dependable lending specialist and Hard Money Loan Coach. He has successfully processed four different loans for me, and each experience has been outstanding. Dr. Mike pays exceptional attention to detail, proactively addresses potential issues, and ensures every step of the loan process moves forward efficiently. His communication is clear, professional, and timely, giving me confidence throughout the entire process. Thanks to his expertise and dedication, all of my loans were completed smoothly and on schedule. I truly appreciate his commitment to delivering excellent service and would not hesitate to work with him again in the future.”
S.S., Real Estate Broker — Columbia, South Carolina
“Dr. Michael Jones is truly one in a million and one of my preferred lenders. Once he receives an executed contract, I never have to chase him for updates—he keeps me informed throughout the entire process. We typically close within 30 days or sooner, and his communication, professionalism, and dedication are outstanding. I highly recommend Dr. Jones to Realtors and investors, especially those looking for hard money or investor financing. He is a pleasure to work with and someone you can count on to help get the deal to the closing table. Five stars, without hesitation!”
Common Questions From Our Investors
What does 'business-purpose financing' mean?
Financing for investment or commercial property, not a primary residence.
Is HML4Investors a direct lender?
HML4Investors identifies and structures financing through multiple funding sources rather than acting as a single direct lender.
Do you offer financing nationwide?
Financing is available nationwide, subject to program and state availability.
What documentation will I need?
Typical borrower, property, and transaction documentation varies by program and is reviewed during underwriting.
How do I know which program fits my deal?
Use the short financing inquiry on the homepage or speak with a lending specialist to review available options.
How do I start an application?
Use the Apply for Financing button to begin the borrower application.
