Non-qm

Aurum and Sharpe was founded in 2017 by me, Bryan Hanley, and one of my best friends, Rudy Renelique. After many years working at big banks like Chase, and Wells Fargo, we decided we could bring value to a mortgage market that was starving for independent thinkers. So we started Aurum and Sharpe over a phone call about financing a multi-family deal in Brooklyn. Since starting this business we’ve been on many adventures from financing a $20 million portfolio of single families, to meeting the President of Rwanda and Finance Minister of Namibia.

Rudy has gone on to start his own firm, Overture Capital, while I’ve stayed on to grow Aurum and Sharpe. Aurum is the original Latin word for gold (that’s why the periodic table has it listed at Au). We chose it because we think of our word as “as good as Gold.” And in that vein, we want to add value to every customer we come in contact with. Our promise is that by working with us, you will increase your Freedom, Purpose, and Fulfillment.

Our process includes learning your overall objectives and where you want to go in your life so that we make sure your financing enhances your life and gets you to your destination much faster. What that means though, is that we are not like every other broker on the street that will only do a surface level amount of learning about you, your life, and your motivations. For us, that is Gold. We want to learn how we can tailor your financing so that you thrive in your life! So before we talk about rates, terms, or anything else, we are going to try and figure out how to add value through financing.

We know this approach isn’t for everyone. But if this resonates with you, lets talk: 917 475 6207

September 14, 2022

Is it harder to get a Mortgage for an Investment Property?

Real estate investment is one of the most profitable investments you can make if you know your onions. More than 10% of the wealthiest people in the world post real estate as their source of income, and this sector has become one of the most lucrative over the years, generating three times more revenue than every other income source over the last year. If you’re a small-time investor, the easiest way to make money off real estate is by renting out a property or flipping a property for profit. However, the personal capital to invest in property is often unavailable, making investment property loans worthwhile. Investment property loans allow you to increase your profit by using the loan to build or rehabilitate a property where there is a need while leveraging the terms of the loan. However, banks and lending […]
September 14, 2022

Types of Commercial Real Estate Loans (Including Non-Qm)

A commercial real estate loan is a mortgage that can be acquired using the business property as collateral or backup. These loans can be divided into three major categories: business loans, investment loans, and loans for development. Commercial real estate (CRE) includes any revenue-generating property utilized for commercial activities, such as offices, shops, hotels, restaurants, warehouses, and apartments. Loans for commercial real estate are only used to purchase commercial property; they are not used for buying private homes. However, residential properties with 1-4 units managed by an LLC can use commercial loans. Banks and lenders are in charge of offering commercial real estate loans, just like with any other kind of mortgage loan. Loans for residential real estate are granted to private borrowers, while loans for commercial real estate are given to commercial enterprises, including organizations, Limited liability companies, investors, and developers. […]
September 14, 2022

How Does Real Estate Investment Compare to Investing in Stocks or Crypto

A great approach to increasing wealth and preparing for retirement is through investment. Investors can diversify their wealth and reduce risk by taking advantage of various profitable investment opportunities. The world is full of investment opportunities. Choosing the right ones for you can be difficult. The benefits and drawbacks of every investment are unique. Maybe your financial adviser tells you to invest in stocks, your best friend tells you to invest in stocks, and every social media post wants you to invest in cryptocurrency. You may be confused about the right investment because they all look like the right one with future potential. Not to worry, this article will guide you on real estate, stocks, and cryptocurrency investment and how to choose the right one that specifically suits your circumstance. What is Cryptocurrency? Cryptocurrency is a digital currency that doesn’t […]
February 10, 2022
How to Accumulate a Property

How to Accumulate Property Fast?

In this article, we’ll discuss how to accumulate real estate fast. Investing in real estate and earning financial freedom is an important topic for many. In fact, the wealthiest people in the world attribute significant portions of their net worth to real estate. While at first glance it may seem difficult and slow to build your wealth in real estate, that is not necessarily the case. There are actually many different ways to accumulate quickly and effectively, which is why in this article we will explore some of the most efficient methods. We will also discuss best practices on acquiring a lot of real estate so that you, as the real estate investor, can protect yourself legally and financially. #1 – Buy a Real Estate Portfolio For those looking to grow rapidly in real estate investing, buying a portfolio of […]
February 9, 2022
Property Portfolio

How to buy a Property Portfolio?

Investing in real estate is a lucrative business opportunity for many. The most beautiful part of it is there are many different niches to choose from when just getting started. An investor can decide to focus on single family rentals, or commercial spaces, or even self-storage. Often they decide to grow a portfolio of properties over time, by buying properties individually. However, the aggressive real estate investor whose looking to scale quickly can opt to instead purchase a property portfolio. While buying a portfolio of real estate works very similar to buying any other property, there are certain nuances that even the savviest investor needs to look out for. In this article, we will walk you through the process of buying a property portfolio, from start to finish. We’ll further outline the benefits as well as key items you’ll need […]
January 31, 2022
Real Estate Investors

Who Are the Richest Real Estate Investors?

Most major business publications will agree that real estate makes up more than two-thirds of the net worth around the world. Real estate is a lucrative investment opportunity that has created hundreds of millionaires and billionaires. As a budding real estate investor, especially one just getting started, there is much you can learn from those who have already walked in your shoes. This is why in this article we share with you who are the top 10 the richest real estate investors in the world, and what they did to get there. 10. Sam Zell Net Worth: $4.8 billion Investments: Multifamily, Office, Manufactured Housing, REITs In our list, Sam Zell starts as number 10 of the world’s richest real estate investor. Often regarded as a leader within the industry, Sam Zell’s start in real estate began young. Sam was born […]
January 28, 2022
Non-Qualified Loans

What is a Non-QM Mortgage?

When trying to buy a home or investment property you’ve most likely considered getting a mortgage, or outside financing to help you make the purchase. Between FHA loans, conventional loans, jumbo loans, hard money loans, and private money loans there are seemingly endless options. Despite all of the loans that are available, there are two major distinctions you should know about: qualified versus non-qualified mortgages. Unlike a qualified mortgage, a nonqualified loan is not subject to certain restrictions such as a debt-to-income ratio requirement. This makes non-qualified mortgages an attractive option for borrowers who don’t necessarily fit the ‘standard’ mold when buying a home, or for buyers that are looking to acquire a property that doesn’t meet FHA or conventional loan requirements, as is often the case for real estate investors. In order to know whether or not a non-qualified […]