Empty Room

The loans you need to power your next idea.


Your Dependable Mortgage Broker

"Since 2008, I’ve worked hard towards making sure my investors receive the best mortgage services for all their property financing needs. Working with NRC Lending means having my personal support for a variety of services as well as the knowledge and resources that come with years of experience in the mortgage industry."

Shannon Smallman,

Managing Broker

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1-4 Unit Investment Property

As a direct portfolio lender, we have the freedom to set our own underwriting guidelines.  And because our common-sense, asset-based lending approach is focused on the property’s value and revenue-generating potential instead of the borrower’s personal income, we have the ability to approve loans that traditional lenders can’t.

5+ Multi-Unit 

Our asset-based mortgage programs meets the needs of self-employed borrowers who often invest in multi-family buildings and write off their expenses against income.  While this is a wise tax-saving strategy for real estate investors, it reduces the borrower's personal income and may make it difficult to qualify them for a traditional mortgage loan.

Asset-based investment property mortgage programs are an excellent alternative because they focus on the value of the property and its revenue-generating potential, thus eliminating the personal income reporting requirements of traditional loans.

Apartment Building

Mixed Use

Our FlexPerm mixed-use property financing program offers your investors easy qualification on the purchase or cash-out refinance of a mixed-use building and includes the flexibility to remain in the loan for up to 30 years.
Since our FlexPerm loan is asset-based, personal income isn’t required. The loan amount is based on the value of the property and its revenue-generating potential. This is where our expertise in evaluating the tenant mix and value of mixed-use buildings is essential in approving loans for self-employed investors and small business owners.

Commercial Properties

Small business owners and investors utilize small commercial properties nationwide to support and operate their businesses.  We believe strongly in this type of asset and have developed financing solutions for commercial real estate loans designed specifically to help entrepreneurs achieve their vision of real estate ownership.

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I’m here to help you buy or refinance your properties. Get in touch for more details and to get started today.