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How It Works

Free Platform for Everyone!

WorkingMoni values transparency by providing a clear breakdown of commission structures for representatives of each party!

Pros of Borrowing Without an Agent

  • Save 0-5% in agent fees
  • Have more control over the process and decision-making

Cons of Borrowing Without an Agent

  • Less professional guidance throughout the process
  • More work required on the borrower's part
  • Missed opportunities or better deals through an agent

Our standard origination fee is 0-5% but may go up to 10% depending on the deal complexity, risk, or size.

WorkingMoni Commission Structure

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.

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

Have questions?

We will guide you every step of the way!