Residential, investor, and commercial lending — done right. No call centers. No runaround. Just straight talk, real numbers, and deals that close.
Whether you’re buying your first home, scaling a rental portfolio, or flipping a property — there’s a loan program for what you’re trying to do. Pick your path.
First-time buyers, move-up buyers, and homeowners looking to refinance. Standard and government-backed programs across four states.
Rehab capital and bridge financing for real estate investors. Asset-based approvals, fast closings, no income verification required.
Qualify based on the property’s cash flow, not your personal income. Built for investors scaling a rental portfolio.
Thirty years in this industry — from hotel development to residential to complex commercial deals — means Mike has seen every loan situation. If another lender turned you down, there’s a good chance Mike knows a path forward.
You talk directly to Mike. Not a processor. Not a call center. Not a loan officer assistant. When you call, he picks up.
“If another lender turned you down, call me before you walk away.”
— Michael Russell, Mortgage Money MikeDirect access to the decision-maker. No hold queues, no voicemail trees. When the deal matters, you need someone who picks up.
No bait-and-switch rates. No surprise fees at closing. Mike will tell you exactly what you qualify for, what it costs, and whether it makes sense — before you commit to anything.
Hotel development, commercial real estate, residential lending — Mike has closed deals across the full spectrum. That depth shows up when your deal gets complicated.
Wholesale access to nationwide lenders across every major loan category. For commercial and hotel deals, visit Russell & Sons Capital Group.
Fannie Mae & Freddie Mac conforming loans. Best pricing for qualified borrowers with strong credit.
Government-backed programs with low or zero down. VA loans offer unmatched terms for eligible veterans.
No income docs. Qualify on the property’s cash flow. Built for investors at every stage.
Fast asset-based lending. Credit score matters less than deal numbers. Close in days.
Rate-and-term, cash-out, VA IRRRL, and FHA Streamline. Reduce your rate or access equity.
Hotel, multifamily, bridge, construction, hard money, farm, and land handled at Russell & Sons Capital Group.
Run the DSCR numbers in seconds. Most lenders require a minimum 1.0x — the rent must cover the mortgage payment. Check your deal now.
Debt Service Coverage Ratio = Monthly Gross Rent ÷ Monthly Mortgage Payment
No commitment, no pressure. Tell Mike what you’re trying to do and he’ll tell you whether there’s a loan for it — and what it costs.
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