🚀 Show Notes 🚀
Looking to scale your real estate portfolio, whether you’re brand-new or a seasoned pro? Mark Ritter—CEO of Member Business Financial Services (MBFS)—shares how credit unions can fund deals of all sizes, from smaller rentals to expansive commercial properties worth $40 million. He’s spent 25 years in the credit union industry, and in this episode, he explains how flexible loan terms, competitive rates, and a focus on relationships set credit unions apart from big banks. 🏦

1️⃣ Meet Mark Ritter
Mark’s main role is helping real estate investors secure financing through a vast credit union network. He’s especially hands-on with new investors seeking smaller deals, but he also has experience structuring large commercial transactions. Since he’s seen both ends of the spectrum, he understands how crucial it is to have supportive lenders that actually listen to your goals—no matter if you’re aiming for a dozen rentals or a mega multifamily project. 🏢

2️⃣ Why Credit Unions?
Unlike traditional banks, credit unions are member-owned cooperatives, which can lead to greater flexibility. Mark points out the no prepayment penalties as a major benefit—ideal for investors who might want to refinance if rates go down. Plus, credit unions often pride themselves on personal service, making it easier to discuss your plans when juggling multiple properties or evaluating a brand-new market. 🤝

3️⃣ Types of Deals
During the conversation, Mark notes that multifamily, warehouse, and self-storage properties are especially popular. He also highlights how credit unions can handle fix-and-flip deals—often in partnership with a hard money lender for the initial purchase, followed by the credit union’s longer-term financing once you stabilize the asset. That flexibility gives both part-time and full-time investors the chance to grow a portfolio without boxing themselves into short timelines. 🏠

4️⃣ The Lending Process
Mark recommends kicking things off with a simple call to discuss your property’s size, condition, and intended game plan. From there, you upload your financial documents, the credit union orders appraisals and environmental checks, and everything else moves forward much like a standard loan closing—but often with a friendlier twist. Because credit unions can be more cooperative, the path to funding might feel smoother, which is a huge relief if you’re managing several investments at once. 🔑

5️⃣ Balancing Real Estate & Life
Mark firmly believes that whether you’re a dedicated full-time investor or fitting in property visits between other commitments, leveraging the right lender can help you seize opportunities faster. Having a supportive system, realistic underwriting, and loan terms tailored to your situation keeps you from getting overwhelmed. 🏆

Ready for next steps?
Credit unions might just be the ally you need to finance your next (or first!) real estate deal. Take a cue from Mark Ritter and explore these lending options—you’ll be surprised how these community-focused institutions can power your growth, whether you’re running a bustling real estate business or simply looking to expand your existing portfolio. Good luck on your investing journey! 🥳

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