J&M Business Capital

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J&M Business Capital J&M Business Capital

We provide fast and flexible funding for real estate investors—Fix & Flip, Multifamily, New Construction & more. 30+ years of experience.

Let’s fund your next deal! 💼🏗️

🏚️ Selling a house in poor condition does not always mean you need to spend thousands on renovations first.Selling as-is...
10/16/2026

🏚️ Selling a house in poor condition does not always mean you need to spend thousands on renovations first.

Selling as-is can save time and upfront costs, while making targeted repairs may help attract more buyers and improve your selling price. A full renovation could increase the property's value even further, but it also comes with higher expenses, longer timelines, and additional risks.

The key is understanding which improvements are worth the investment. Comparing repair costs, potential resale value, holding expenses, and local market demand can help you choose the strategy that makes the most financial sense.

👉 Read the full article here to learn whether selling as-is, making repairs, or renovating first is the better option: 🔗 jandmbuscap.com/selling-a-house-in-poor-condition-sell-as-is-make-repairs-or-renovate-first

10/16/2026

Refinancing gets harder when the deadline is already close.

If your loan is approaching maturity, reviewing options early gives you more time to compare structures, address issues, and avoid rushed decisions.

📞 Call 774-220-8626 or visit jandmbuscap.com

10/15/2026

Mixed-use properties can require a different financing approach.

For qualifying deals, DSCR financing may still be an option by focusing on the property’s cash flow rather than only personal income.

📞 Call 774-220-8626 or visit jandmbuscap.com

🏦 Owning 20% of a business can come with more responsibility than you might expect when applying for an SBA loan.Under S...
10/14/2026

🏦 Owning 20% of a business can come with more responsibility than you might expect when applying for an SBA loan.

Under SBA lending rules, business owners with 20% or more ownership are generally required to provide a personal guarantee. This means they may be personally responsible for repaying the loan if the business cannot meet its obligations.

For business owners and investors, understanding this rule is essential before taking on financing. Ownership structure, personal guarantees, and potential financial exposure should all be considered when evaluating an SBA loan.

👉 Read the full article here to learn how the 20% rule works for SBA loans and what it means for business owners: 🔗 jandmbuscap.com/what-is-the-20-rule-for-sba-loans

10/14/2026

Transactional funding is built around the structure of the deal—not traditional borrower underwriting.

For qualifying double closings, the confirmed end buyer and second closing can matter more than credit or personal income verification.

📞 Call 774-220-8626 or visit jandmbuscap.com

10/13/2026

“100% rehab funding” does not mean the entire project is covered.

Purchase financing and renovation financing are two separate pieces of the deal, and each can have different requirements.

Know exactly what the loan covers before you commit.

📞 Call 774-220-8626 or visit jandmbuscap.com

10/09/2026

One extra unit can completely change how a property is financed.

Once a deal moves into five units or more, the underwriting, leverage, and loan structure can look very different.

Know the financing category before you commit to the deal.

📞 Call 774-220-8626 or visit jandmbuscap.com

10/08/2026

Sometimes the challenge is not finding the wholesale deal—it is showing that you have the funds to close it.

For qualifying double closings, transactional funding can help provide that short-term capital without tying up your own cash.

📞 Call 774-220-8626 or visit jandmbuscap.com

10/07/2026

Portfolio refinancing can simplify things after closing—but getting there may require serious coordination.

Multiple properties, entities, mortgages, and payoff amounts all need to line up. Clean documentation can make a big difference.

📞 Call 774-220-8626 or visit jandmbuscap.com

💰 Your DSCR loan down payment affects more than how much cash you bring to closing — it can influence your leverage, loa...
10/06/2026

💰 Your DSCR loan down payment affects more than how much cash you bring to closing — it can influence your leverage, loan terms, and overall investment strategy.

Unlike traditional mortgages, DSCR loans focus primarily on the rental property’s ability to generate enough income to cover its debt. Your required down payment can vary based on factors like loan-to-value, credit profile, property type, and the strength of the deal.

For investors, the goal is to balance leverage with healthy cash flow while keeping enough capital available for reserves, improvements, and future opportunities.

👉 Read the full article here to learn how DSCR loan down payments work and what can affect the amount you need: 🔗 jandmbuscap.com/how-much-is-the-down-payment-for-a-dscr-loan

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Boston, MA
02114

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(774)2208626

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