How It Works
Borrowers/Sellers
Post your deal, control visibility, and connect with investors and buyers.
Investors/Buyers
Explore opportunities and request access to deals that fit your criteria.
Connect & Close
Connect, negotiate terms, and close deals securely off-platform.
All Documents
Real Estate Marketplace
WorkingMoni is designed to connect capital seekers, capital providers, and property owners. We simplify the process of listing and discovering opportunities while protecting privacy and ensuring a secure, transparent marketplace.
Most Common FAQ
WorkingMoni Loan Types
Purchase
Facilitates transitioning properties from distressed to stabilized or new construction. Lien position is 1st or 2nd TD.
Refinance/Cash-Out
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.
Foreclosure Bailout Loan
Foreclosure Bailout Loan is used when you’re the borrower, behind on payments, and need urgent funding to stop foreclosure. Lien position is usually 2nd TD but sometimes 1st 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.
Combo Loan (1st & 2nd)
A financing solution where a borrower obtains both a first and second mortgage simultaneously to purchase a property. This structure is often used to avoid private mortgage insurance (PMI) or to reach a higher total loan-to-value (LTV) ratio.
Mezzanine
Combined debt and equity financing, typically secured by a second lien (2nd TD) on property equity, and often used in real estate deals where it is subordinated to the primary mortgage. Lien position is 2nd or 3rd TD.
Ground-Up Construction
A Ground-Up Construction Loan finances new builds from land purchase to completion. LTC compares the loan to total project cost (land, labor, materials), while LTV compares it to appraised value. Lien position is 1st, 2nd, or 3rd TD.
Blanket Loan
Consolidate multiple property debts into one mortgage. Lien position is 1st, 2nd, or 3rd TD.
Non-Performing Loan
Loan where the borrower has failed to make scheduled payments for a prolonged period, typically 90 days or more, making it unlikely to be fully repaid. Lien position is 1st, 2nd, and 3rd TD.
WorkingMoni Property Types
1-4 Units Residential (NOO)
- Non-owner-occupied investment houses
- Single-family homes (e.g., duplexes, triplexes, fourplexes)
- Condominiums and townhouses
Fix-and-Flip
- Properties purchased to renovate and sell quickly
Mixed-Used
- A combination of residential and commercial spaces in one property
Multifamily
- Residential buildings that contain multiple separate dwelling units within a single structure or complex.
Commercial
- Apartments
- Office buildings
- Retail properties
- Mixed-use properties
Industrial
- Warehouses
- Manufacturing facilities
- Distribution centers
- Heavy industrial properties
Special Use
- Hospitality (e.q., hotels, motels, restaurants)
- Medical facilities (e.g., hospitals, clinics)
- Recreational properties (e.g., golf courses, theme parks)
Land
- Raw or undeveloped land
- Land for development (residential or commercial)
- Agricultural land