About Us

Our Mission

Meet the Team

Adam Messmer is a Senior Loan Originator at LFG Lending, boasting over ten years of experience in the mortgage industry. Renowned for his humor, he makes the mortgage process both enjoyable and easy to understand. As an investor himself, Adam offers valuable insights and empathetic advice to his clients. Outside of work, his love for board games reflects his strategic approach and attention to detail.

Adam Messmer - Senior Loan Originator, LFG Lending

 

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Liz Lawrence, with nearly a decade of experience, is the dedicated and knowledgeable owner of LFG Lending and an avid investor, bringing a unique, practical perspective to her role. Her expertise in the mortgage industry is complemented by her passion for travel and fishing, reflecting her patience and skill in seeking the best opportunities. Liz's deep understanding of her clients' needs ensures she provides tailored advice for financial success. Approachable and driven, she is more than a mortgage expert; she's a trusted partner in your investment journey.

Liz Lawrence - Founder & Owner, LFG Lending

 

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Dawn Mahan is a seasoned Loan Originator at LFG Lending, boasting over 30 years of experience in the mortgage industry. Renowned for her goal-driven approach, she is dedicated to finding resolutions and assisting clients in achieving financial independence. Dawn balances her professional life with her love for travel and yoga, which contribute to her broad perspective and focused approach. Her extensive expertise and passion for client success make her a valuable asset in navigating the mortgage space.

Dawn Mahan - Loan Originator, LFG Lending

 

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Dan Tobias is a dynamic Loan Originator at LFG Lending, with about two years of experience in the mortgage industry. His motivation and drive are key assets in his approach to assisting clients with their mortgage needs. Outside work, Dan's love for music festivals reflects his vibrant personality and ability to connect with diverse clients. Despite being newer to the field, Dan's enthusiasm and commitment make him a promising and relatable professional in the industry.

Dan Tobias - Loan Originator, LFG Lending

 

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NEw Construction
loans

Commercial loans

HArd Money loans

Airbnb
fInancing

Bridge
loans

DSCR Lending is like your financial GPS making sure you won't get lost in a deal. First things first, this a NOT a full doc loan, and there’s no personal income validation.

Here are the details:

DSCR stands for Debt Service Coverage Ratio, which is just a fancy term for
checking if you've got enough cash flow to handle a loan without digging into
your personal assets. DSCR is calculated by dividing the net operating income
(NOI) by the total debt service (total housing payment).

So basically, DSCR lending is all about us taking a peek at your financial stability. Ensuring that after dealing with loan payments, you're not left counting pennies to buy coffee. A higher DSCR suggests greater financial stability, while a lower ratio may indicate potential financial stress.

A DSCR of 1.0 means the borrower is breaking even, while a ratio greater than 1.0 indicates surplus income after debt payments.This is also, a product you’ll want to use, if you are someone using the BRRRR method- (and if you don’t know what that is, give us a call!)

We’re just making sure you're not biting off more than you can chew when it
comes to the loan. If it looks, good- you get a green light!

NEw Construction
loans

DSCR LOANS

HArd Money loans

Airbnb
fInancing

Bridge
loans

Commercial loans can be used for a variety of business purposes, such as
purchasing real estate, expanding operations, buying equipment,
managing cash flow, or financing specific projects. Its kind of a big deal..

The catch? Its a full doc loan, meaning its pretty similar to a conventional
loan-- but this product is awesome because you’ll score a better interest
rate!

The size of these loans can range from small business loans to large-scale
financing for major corporations. The loan structure or term could be
different from what you are used to on the residential lending side, so
make sure you ask us to explain this!

Commercial loans play a crucial role in supporting business growth and
sustainability by providing access to capital that can be strategically used
to meet financial needs within the business.

DSCR LOANS

Commercial loans

HArd Money loans

Airbnb
fInancing

Bridge
loans

A new construction loan for real estate investors is like the golden ticket for those looking to build their property empire from the ground up. Here's the scoop:

If you're dreaming of constructing a brand-new residential investment property, a new construction loan is your ticket to turning that dream into a concrete reality.FYI: You can also utilize this product if you want to build a commercial building!

It's not a lump sum deal. Instead, the funds are released in phases (or draws) as the construction progresses. This ensures the money is used for its intended purpose and keeps the project moving.

During the construction phase, you’ll have an interest-only payment period. This eases the financial burden until the property is completed and generating income.

Once the construction is done, the loan will need to transition into a more permeant financing- this can either be included in the original loan product or could require refinancing- we can select this based on your individual needs.

The interest rates for new construction loans can vary as we have multiple loan products
for each individual scenario.

NEw Construction
loans

DSCR LOANS

Commercial loans

Airbnb
fInancing

Bridge
loans

Hard money loans are quick, dirty, and we LOVE them! This is a product you’ll want to use, if you are someone using the BRRRR method- (and if you don’t know what that is, give us a call!)

The loan is typically used to renovate a property. It’s less about your credit score and more about the property's potential. When you're in a
hustle and need cash fast, hard money is the go-to!

These loans are typically short-term, designed for investors who plan to fix up a property, flip it, and pay back the loan quickly. It's like a financial sprint, not a marathon.

Hard money lenders are more concerned with the potential of the investment property than your financial history. If they believe in the property's profitability, they're likely to jump on board and will base your rates on your experience within the industry.

So, when you're in the real estate game and need a financial sidekick with a rebellious streak, hard money lending might be your partner in profit.

NEw Construction
loans

DSCR LOANS

Commercial loans

HArd Money loans

Airbnb
fInancing

No, this isn’t a loan to build a bridge...

But, you could think of it as the financial version of a temporary bridge – it gets you from one side of a transaction to another when you're in between situations.

Here's the lowdown:it's a short-term loan designed to "bridge" the gap between two major transactions.

You can cover a down payment or even the entire cost of the new investment property while you're still in the process of selling another. It's like giving you the cash boost to make moves without waiting.The term is usually 12-18 months and you are making interest only payments

These loans are all about flexibility. In the real estate game, timing is everything, and we’re here to keep your investment momentum going-- get done faster than planned? There’s NO PRE PAYMENT PENALTY!

Check with us on interest rates; they might be a tad higher than other mortgage products since it's a temporary solution. But, it's a small price to pay for keeping your real estate game
playing smoothly.

NEw Construction
loans

DSCR LOANS

Commercial loans

HArd Money loans

Bridge
loans

Alright, heres the lowdown on the short-term rental loan:

This is a type of financing specifically designed for individuals or businesses involved in the short-term rental industry. We will take a look at the financing options for you with and without income validation- And then yes, we can simply qualify you using software like AIRDNA!

Short term rental financing works for properties listed on platforms like Airbnb, Vrbo, or private booking services. These loans are tailored to the unique cash flow characteristics and business models of short-term rentals by looking at historical rental performance or projected rental income.

And here's the real deal- Interest rates for short-term rental loans may vary and are influenced by factors such as the borrower's creditworthiness, the property's location, and what the down payment looks like.

Short-term rental loans can be a valuable tool for investors looking to capitalize on the income potential of short-term rentals and may offer more tailored financial solutions compared to traditional mortgages.

At LFG, we are dedicated exclusively to serving investors like you. Our mission is to streamline your investment journey by doing the heavy lifting in finding the perfect mortgage solution. We understand that time is your most valuable asset, and sifting through endless lending options is not where your focus should be.

At LFG, our expert team, with years combined of specialized experience in the investment mortgage landscape, is committed to tailor-making financial solutions that align with your unique investment goals. We leverage our extensive network of lenders to secure the best products that suit your specific lending scenario, ensuring you get the most advantageous terms and rates.

Our approach is client-centric, transparent, and driven by a passion for helping investors maximize their potential. Trust us to be your partners in progress, navigating the complexities of the mortgage world, so you can invest your time where it counts.