Tim Fazio

Head of Revenue

Tim engages real estate investors nationwide and has closed 400mm worth of real estate loans since joining Certain Lending in 2020. This success has come by focusing on his commitment to doing what is right for everyone involved with each and every deal. Prior to joining Certain Lending in 2020, Tim spent 25 years as a homebuilder and was a senior assisted living investor and operator for 10 years. Tim is an effective advisor and mentor for new investors and ideal partner for seasoned operators. Tim's personal time is dedicated to his wife Barbara of 21 years, daughter Gianna and son Ashton who all keep dad joyfully busy with volleyball, baseball, golf and family comedy. When Tim has free time you will catch him on the golf course, traveling, hunting, fishing and cooking for as many people as want to come over.

Tim Fazio
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.

Kirkland, WA
Single-Family Residence
/ Closed

April 14, 2023

Dallas, TX
Single-Family Residence
/ Closed

April 30, 2024

San Diego, CA
Single-Family Residence
/ Closed

May 8, 2023

Mukilteo, WA
Single-Family Residence
/ Closed

July 19, 2024

Capitol Heights, MD
Single-Family Residence
/ Closed

March 30, 2023

Marysville, WA
Single-Family Residence
/ Closed

May 1, 2023

Chandler, AZ
Single-Family Residence
/ Closed

March 24, 2023

Van Nuys, CA
Single-Family Residence
/ Closed

June 15, 2023

Hillsborough, NJ
Single-Family Residence
/ Closed

April 14, 2023

Scottsdale, AZ
Single-Family Residence
/ Closed

February 8, 2023

Port Angeles, WA
Single-Family Residence
/ Closed

March 24, 2023

Peoria, AZ
Single-Family Residence
/ Closed

September 4, 2024

Seattle, WA
Single-Family Residence
/ Closed

May 22, 2024

Grove City, OH
Single-Family Residence
/ Closed

August 2, 2024

Mesa, AZ
Single-Family Residence
/ Closed

April 7, 2023

Scottsdale, AZ
Single-Family Residence
/ Closed

March 3, 2023

Tobyhanna, PA
Single-Family Residence
/ Closed

June 12, 2023

Phoenix, AZ
Single-Family Residence
/ Closed

May 15, 2023

Columbus, OH
Single-Family Residence
/ Closed

April 27, 2023

Seattle, WA
Triplex
/ Closed

May 5, 2023

Knoxville, TN
Single-Family Residence
/ Closed

June 12, 2023

Decatur, GA
Single-Family Residence
/ Closed

May 25, 2023

Haverhill, MA
Single Family Residence
/ Closed

February 21, 2024

Scottsdale, AZ
Single-Family Residence
/ Closed

May 26, 2023

Mesa, AZ
Duplex
/ Closed

June 5, 2023

Phoenix, AZ
Triplex
/ Closed

April 21, 2023

Seattle, WA
Single-Family Residence
/ Closed

April 10, 2024

Seattle, WA
DADU
/ Closed

March 14, 2023

La Mesa, CA
Single-Family Residence
/ Closed

February 29, 2024

Dallas, TX
Single-Family Residence
/ Closed

March 29, 2024

Questions or interested in learning more?