Real Estate Investing? I’ve got You Covered.
Make Waves in Real Estate
I’m not here to shuffle papers or quote rates you could’ve Googled. I’m here to deliver real solutions when the banks toss you overboard. Since 2015, I’ve been helping everyday people become homeowners, entrepreneurs, and real estate investors.
You can trust me to captain your real estate deal through calm seas and rough waters. Hop on board. We’re going full throttle toward closing and building your real estate portfolio.
kristi@saltylittlething.com
serving
The USA
Hours
Monday-Friday:
8am – 5pm CST
By Appointment
No smooth seas ever made a skilled lender.
Let’s Make Waves
I fund real estate investors nationwide. Whether you’re flipping your first house, scaling your rental portfolio, or closing on a commercial property, I know how today’s deals get done, and I move at your speed.
I understand modern investing strategies, the hustle it takes to succeed, and the impact you make by revitalizing neighborhoods and creating jobs across the country.
I also know the game because I play it too. Over the last decade, I’ve flipped houses, owned & managed short-term rentals, and bought my own dream vacation home in the Florida Keys, It is both a vacation spot and an investment property. When I’m not there, I rent it out. That income covers expenses, builds equity, gives me tax advantages, and still leaves me with salty sunsets whenever I want them. That’s financial freedom.
DSCR (Debt Service Coverage Ratio) Loans
Qualify based on rental income, not personal income. Perfect for short-term rentals, vacation homes, or long-term rentals that cash flow.
Fix & Flip Loans
Buy it, rehab it, sell it (or refi it), repeat. I’ll fund both purchase and repairs so you can turn potential into profit. The funding amount is based on the after repaired value.
Commercial Property Loans
From hotels to marinas and mixed-use buildings. I understand cash flow, leases, and speed to close so you don’t miss the deal.
Residential Investment Loans
Single-family to fourplex. If you can live in it or rent it, I can finance it. Perfect for rental portfolios or that dream vacation home that pays for itself.
Residential Mortgage Loans
Traditional financing options (Conventional, FHA, USDA, VA) for first-time homebuyers or families putting down less than 20%.
Here’s a little secret: getting a boat loan is harder than getting a home loan… or even a few home loans.
Yet boats and homes are part of the same dream, freedom.
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11.9% of U.S. households (about 14.5 million) own a recreational boat.
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6% of households (about 6.5 million) own a second home.
Let’s close that gap. Your boat is part of the family, it deserves its own home by the water. Whether it’s fishing, sailing, snorkeling, or just sunset cruising, I’ll help you find the strategy that makes it possible.
After all, everyone has a salty little thing. Mine is a home on the bay with a boat on my dock, ready whenever I am. Maybe yours is deep-sea fishing in Alaska, oysters on the water in New England, or beach sunsets in the Florida. Whatever your salty little thing is, let’s make it happen.
Mortgage Experience
Closings Across the us
%
client Satisfaction
Available 7 Days A Week
How It Works
As your loan concierge team, we are working for you to make sure you not only have the best offer but also the best service. We help our clients save money, time and focus on helping them worry less. We take care of the process and help guide you the whole way.
Real Estate Meeting
We’ll connect by phone to go over your goals and strategy.
Structuring the Deal
Once you find your property, I’ll coordinate with your realtor and structure financing in your favor.
Funding + Closing
I’ll connect you with the right lending partners and guide you through the process. Then we celebrate on closing day.
Tell them you’re bringing kristi to the table
Why I’m Different
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Experienced and connected with many lending options
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Guiding you every step of the way
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No upfront fees, pay at closing (or have the sellers pay 😉)
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Loan solutions for every stage, from your first flip to multi-million-dollar portfolios
I am ready to captain your deal.
Let’s Connect.
I fund loans across the entire country. You find the property, I’ll help you finance it. Not sure where to start? That’s okay too, let’s talk.
F.A.Q.
Common Questions
What documents are needed to get started?
It will depend on the loan product you choose.
Property details, your basic information, purchase agreement, realtor contact info, bank statements to verify funds for closing, a hard credit pull (done by us), etc.
If you are renovating we will need the budget and photos.
If its a rental or commercial, we will need rental income docs, proformas, property condition reports, and operating expenses.
We will come up with your specific checklist based on your situation and loan product when we meet.
What kind of real estate properties do you finance?
We are flexible and can help you obtain the funding for all types of properties.
Single Family Homes
Manufacture
Condos
Multi- Family Units (duplex, triplex, apartment complexes)
Commercial Properties (retail, office, industrial)
Mixed-Use Developments
Land to Develop
What are the loan terms and interest rates?
It varies based on your loan product. Most fix and flips will have a 6 to 12 month loan with competitive rates. Other commercial and investment style loans may have a balloon and/or fix rate option.
As a loan concierge, we are able to shop all lenders to help save you time and money. You will also have a competitive offer with us.
How much money do I need to buy a home?
If you are buying a primary home we have loan options between 0% and 3.5% as a down payment. However, if you are buying an investment please expect to have a down payment of 20% (it can vary depending on loan product, your credit score, DTIs, and projected profits).
What if my credit score is low?
The lower your credit score, the more likely you need to have a larger down payment. We will have to go over your credit score and situation to know exactly what we can and cannot achieve.
For example: In August 2025, I helped a single mom with a credit score of 517 close on her home. She had to put 25% down on her home.
I missed a mortgage payment, can I buy a home still?
Traditional mortgage loans backed by Fannie Mae and Freddie Mac, require you to make on time monthly payments for a year (12 months). This goes for all federal debt (mortgages, student loans, business loans, etc).
Some non-traditional loan products that will cost more will allow exceptions. It will require more money down and also a higher rate, however, it is possible and has been done before.
If I find a fixer upper, will you help with the rehab cost?
Yes! We have a few options to help you receive the funds needed for the renovations. It will all depend on the purchase price and the ARV (After Repaired Value).
Will you have to use my income and debt to income ratio to qualify?
Maybe! It will depend on the loan product. If you have no experience as a real estate investor, the underwriter may require your income docs. Let’s chat and find what options you have.
How quickly can we fund and close?
Our team travels at your speed! If you can provide the documents required, the appraisal goes well and title docs are completed, we can close. Plan for 2 weeks or more.
We can also offer you a pre-approval letter if you need one to submit your offer.
I am a first time investor, is that okay?
How exciting and welcome to the world of real estate investing! We will be your team that will provide guidance throughout the process.