Products



We have the three products available to our best clients:

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OMEGA

  • When your estate comes with a high price tag look no further than the OMEGA program. Built to accommodate the needs of the high-net-worth in the purchase or refinance of primary residential and second home residences.
  • Purchase or Refinance
  • Loan Amounts to $7,000,000
  • 30 Year Amortization
  • 30 I 40 Year Fixed Duration options
  • 10 Year Interest Only Option – No rate or pricing adjustments
  • No Tax Return Required – Ability to Repay calculated off stability of cash flows
  • 12 Months Bank Statement – Blended Cash Flow Ok
  • Asset Utilization – 36 I 84 Month Options
  • Rate & Term Classification – Payoff of Tradeline, Lien or IRS Installment Plan
  • Cash Out to LTV Limitations – No rate or pricing adjustments
  • PCMA understands the needs of complex and sophisticated estates. Born out of our proprietary private client credit portfolio, OMEGA is a unique blend of Private Client Flexibility and Concierge Services delivering a bespoke lending experience for our aspirational clientele.
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ZENITH

  • Building the wealth effect one rentable door at a time. ZENITH is a true investor product with rates closer to prime than hard money. Built to accommodate the needs of the high-net-worth in the purchase or refinance of residential investments (1-4 units).
  • TAILOR MADE FOR PERSONAL AND PROFESSIONAL INVESTORS
  • Loan Amounts up to $3.5 Million+
  • 75% Purchase I 70% Cash Out
  • Starting at 3.99%
  • 30 Year Fixed Rate
  • 10 Year Interest Only
  • 10+ Properties, LLC Ownership, Professional Investors
  • No Limit on Financed Properties
  • Non-Warrantable Condos
  • Credit and Housing Events – 36 Months
  • Business Purpose Loans – Non TRID
  • Title can be held in qualified trust or entity
  • INVESTOR: RESIDENTIAL (1-4 UNITS)
  • Real estate has been one of the best ways to accumulate wealth and leverage is one of the greatest advantages used by real estate investors. ZENITH supports their risk-taking spirit by providing liquidity and credit options based on a simple, innovative business purpose and the quality of residential asset(s).
  • NINA – No Income No Asset
  • DSCR – Qualifies Off the Cash-Flow of the Subject Property
  • No Tax Returns
  • Permanent I Non-Permanent Resident Alien
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ULYSSE

  • ULYSSE is a modern approach to asset-based lending, giving clients the speed and flexibility of opportunity capital using the value of securities held for investment without the need to collateralize or pledge.
  • Loan Amounts to $7,000,000
  • Base Rate: 3.625%
  • 30|40 Year Amortization
  • 10 Year Interest Only
  • No Income Testing – Asset Utilization without the need to pledge
  • Cash Out to LTV Limitations – up to $2,000,000 cash out
  • PCMA understands the needs of complex and sophisticated estates. Born out of our proprietary private client credit portfolio, OMEGA is a unique blend of Private Client Flexibility and Concierge Services delivering a bespoke lending experience for our aspirational clientele.


Work With Us

PORTFOLIŌ Real Estate is committed to providing full-service, white-glove treatment to these sophisticated and exacting clients. Our commitment is to remain a small, highly specialized team that has the resources to serve our exclusive clients’ needs.

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Contact Details

Frank DeBernardo

Phone

(831) 901-2324

Email

[email protected]

Address

1840 41st Avenue, #205 Capitola, CA 95010 FRANK DEBERNARDO | CA DRE# 02076312

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