Make $500 with One Referral – Your Chance to Earn!

Refer and Earn Now

How It Works

Commission Breakdown

At WorkingMoni, we believe in transparency. Here's how commissions are structured for each party involved in a transaction:

Borrower: Saves 2% by working directly with us, without a real estate agent, broker, or loan broker

Borrower's Real Estate Agent, Broker, or Loan Broker: Earns 2% of the loan amount for facilitating the deal

Investor/Lender: Earns 2% of the loan amount when escrow closes

WorkingMoni: Earns 1% commission upon escrow closing

Note: Fees are negotiable and may vary depending on the specifics of the transaction.

Pros of Borrowing Without a Real Estate Agent, Broker, or Loan Broker
  • Save on fees  (up to 2%)
  • More control over the process and decision-making
Cons of Borrowing Without a Real Estate Agent, Broker, or Loan Broker
  • Less professional guidance throughout the process
  • More work required on the borrower's part
  • Potentially missed opportunities or better deals from agent/broker networks
WorkingMoni Commission Structure

WorkingMoni Loan Types

Private

Commercial real estate financing provided by non-institutional lenders.

Purchase

Facilitates transitioning properties from distressed to stabilized or new construction. Lien position is 1st or 2nd TD.

Cash-Out-Refinance

Borrower takes a larger loan than their current mortgage and receives the difference in cash, replacing the old mortgage with a new, larger loan as the primary lien. Lien position is 1st, 2nd, and 3rd TD.

Rehab, Fix & Flip

Finance for renovating or rehabilitating existing properties, usually short-term. Lien position is 1st, 2nd, or 3rd TD.

DSCR

Real estate loan based on a property's cash flow rather than the borrower's income. Lien position is 1st or 2nd TD.

Bridge

Short-term first lien mortgage for purchasing or construction before long-term financing. Lien position is 1st TD or Subordinate.

Mezzanine

Combined debt and equity financing, typically secured by a second lien (2nd TD) on property equity. Lien position is 2nd or 3rd TD.

Ground-Up Construction

Financing for new construction projects from land acquisition to completion. Lien position is 1st, 2nd, or 3rd TD.

Portfolio Blanket

Consolidate multiple property debts into one mortgage. Lien position is 1st, 2nd, or 3rd TD.

Non-Performing Loan (NPL)

Loan where the borrower has failed to make scheduled payments for a prolonged period. Lien position is 1st, 2nd, and 3rd TD.

NPL Liquidation

A loan tied to a property that is being sold to recover unpaid debt. Lien position is 1st, 2nd, or 3rd TD.

Note Assignment

The transfer of a loan from one lender or investor to another. Lien position is 1st, 2nd, and 3rd TD.

WorkingMoni Property Types

1-4 Units Residential (NOO)

Commercial real estate financing provided by non-institutional lenders.

Fix-and-Flip

Short-term first lien mortgage for purchasing or construction before long-term financing. Lien position is 1st TD or Subordinate.

Mixed-Used

Financing for new construction projects from land acquisition to completion. Lien position is 1st, 2nd, or 3rd TD.

Commercial

Facilitates transitioning properties from distressed to stabilized or new construction. Lien position is 1st or 2nd TD.

Industrial

Combined debt and equity financing, typically secured by a second lien (2nd TD) on property equity. Lien position is 2nd or 3rd TD.

Special Use

Consolidate multiple property debts into one mortgage. Lien position is 1st, 2nd, or 3rd TD.


Have questions?

We‘re here to guide you every step of the way!