Alex Chin

Account Executive

Alex Chin has worked with Certain Lending since 2018 in a variety of roles and as a loan officer, focuses on helping investors understand and navigate the world of financing. In his personal life, Alex has been a landlord since 2015 and continues to look for opportunities to add to his portfolio.

Alex Chin
Certain Lending construction project.Certain Lending Residential Investments.Certain Lending rental properties.
Construction

We offer short-term mortgage financing to build new homes, townhouses, and accessory dwelling units. We support traditional and modular construction.

Certain Lending construction project.

Construction

We offer short-term mortgage financing to build new homes, townhouses, and accessory dwelling units. We support traditional and modular construction.

Certain Lending Residential Investments.
Certain Lending rental properties.

Products

Certain provides reliable mortgage products for construction, fix and flip, buy and hold, BRRRR, and other real estate investing strategies. Because software handles underwriting we tailor these products to meet the needs of our clients, whenever a real estate investment deserves putting capital at risk.

Fix and Flip

Short-term financing to buy and renovate properties with up to 10 units. We support experienced and new investors with competitive terms and pricing.

Construction

We finance the construction of residential and small multifamily investment properties. Investors appreciate our flexible terms, ease of draw funding, and speed of closing.

Bridge

Financing of newly constructed or renovated properties that are currently vacant and stabilized and are ineligible for permanent financing.

Rental Properties

Permanent financing of rental properties with long-term tenants. These loans use the rental cash flow and stabilized property value to determine the loan amount.

Short-Term Rental

A solution for investors who need permanent financing for their rentals listed on AirBNB and VRBO. This product allows DSCR to be calculated by using 12 months of operating history or AirDNA rents as market rent.

Rental Portfolios

For experienced investors, we finance up to 10 rental properties as a single loan. These loans are often more cost effective than closing each loan individually.

Bank Statement

Small business owners and self-employed individuals have the ability to obtain permanent financing on their rental properties by underwriting their income, instead of rental property cash flow. We do this by analyzing bank statements and do not require tax returns.

Recent Deals

Supporting investors is what we’re most proud of. Dig into some of our Recent Deals here.

Phoenix, AZ
Single-Family Residence
/ Closed

May 15, 2023

Decatur, GA
Single-Family Residence
/ Closed

May 25, 2023

Scottsdale, AZ
Single-Family Residence
/ Closed

May 26, 2023

Scottsdale, AZ
Single-Family Residence
/ Closed

March 3, 2023

Hillsborough, NJ
Single-Family Residence
/ Closed

April 14, 2023

Mesa, AZ
Duplex
/ Closed

June 5, 2023

Van Nuys, CA
Single-Family Residence
/ Closed

June 15, 2023

Seattle, WA
Triplex
/ Closed

May 5, 2023

Seattle, WA
DADU
/ Closed

March 14, 2023

San Diego, CA
Single-Family Residence
/ Closed

May 8, 2023

Capitol Heights, MD
Single-Family Residence
/ Closed

March 30, 2023

Phoenix, AZ
Triplex
/ Closed

April 21, 2023

Knoxville, TN
Single-Family Residence
/ Closed

June 12, 2023

Tobyhanna, PA
Single-Family Residence
/ Closed

June 12, 2023

Kirkland, WA
Single-Family Residence
/ Closed

April 14, 2023

Scottsdale, AZ
Single-Family Residence
/ Closed

February 8, 2023

Mesa, AZ
Single-Family Residence
/ Closed

April 7, 2023

Marysville, WA
Single-Family Residence
/ Closed

May 1, 2023

Port Angeles, WA
Single-Family Residence
/ Closed

March 24, 2023

Chandler, AZ
Single-Family Residence
/ Closed

March 24, 2023

Columbus, OH
Single-Family Residence
/ Closed

April 27, 2023

Questions or interested in learning more?