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Non-Recourse Lenders

Lenders that provide financing for Solo 401ks and Checkbook IRA

North American Savings Bank

Maximum LTV: 

  • 70% on single-family detached homes
  • 60% on all other residential properties

Minimum down payment: 30%

Net operating income: must exceed the debt payments by 20–25%.


Jason Zook, IRA Loan Officer

903 E. 104th Street, Suite 400, Kansas City, MO 64131

Ph: (855) 211-3340,,

First National Bank of America

Minimum down payment: 40 to 50%

Net operating income:  exceeds debt payments by 20% to 25%


Scott Raymond

4660 Kalamazoo Ave SE, Grand Rapids, MI  49508

(616) 538-6017,,

Marshall Reddick Real Estate

Maximum LTV: 60-70%



Patrick Prunty

4299 MacArthur Blvd., Ste. 102, Newport Beach, CA 92660


Pacific-Crest-Savings-Bank non-recourse lender 

Maximum LTV: 50%

States: Washington state only

Net operating income: positive cash flow is required


Larry Enselman

425 670-9623,,


Maximum LTV: 65%

Regions: Colorado, Phoenix Metro area, Southern California and Central California

Net operating income: 75% of projected rents must cover principal, interest, taxes and insurance (PITI payments) for 1-4 family residences.  No lease is required at closing


California – Natalie Russo, 760-836-3529,

Colorado – Ryan Blake, 303-920-5202,

Arizona – Slava Ibragimov, 602-333-7740,

JMAC Funding

Maximum LTV: 65%

Max term: 5 years

Regions: California


Jim MacArthur

PO Box 91472, San Diego, CA 92169

(619) 846-1550,,

Lending Resources Group, Inc.


Mark Robbins


First Western Federal Savings Bank

Maximum LTV: 60% for 1-4 unit residential properties and 50% for larger rental and commercial properties. 

Terms: 25-year, fully amortizing loans with no pre-payment penalty and no balloon payments

Amounts: $40,000 to $800,000.

Net operating income: must exceed debt payments by 25%

Minimum liquid reserves: 15% of loan amount

Net operating income must exceed debt payments by a minimum of 25%


Roger St. Pierre

402 Main Street, Rapid City, SD 57701


Peak Asset Lending

Maximum LTV: 50-65%. Max loan amount typically $300,000  

Max loan amount: $300,000  

Term: 30 year term, rehab financing available

Rates: from 7.75%

Regions: AL, AR, AZ, FL, GA, IL, IN, KS, MO, MS, NC, OH, OK, TN and TX. 


Paul Sauer 

11289 Strang Line Rd, Lenexa, KS 66215

(913) 956-7325 (PEAK),,

Urban Standard

Urban Standard offers lending options in major metropolitans nationwide and specializes in

Maximum LTV: 83%

Terms: 5 year fixed period, and then 15-year Hybrid ARM

Loan amount: $750k - $5 million

Eligible Properties: 5+ units and mixed-use

Net worth equal to or exceeding loan amount, liquidity equal to or greater than 9 months P&I prior to closing

Minimum FICO score of 650


Brandon Akiyama

4590 MacArthur Boulevard, 5th Floor, Newport Beach, CA 92660

(949) 202 4330,,

Titan Bank

Maximum LTV: 60% for 1-4-unit residential properties and 40-50% for small/rural markets, larger rentals and commercial properties. 

Minimum liquid reserves in the Titan Bank retirement account: 25% of the loan amount

Net operating income: must exceed debt payments by a minimum of 25%


Ryan Hughes

3100 Monticello Ave Dallas, TX 75205


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