i.
Direct Balance Sheet
Capital placed by Alpha Everest principals — not table-funded, not whole-loan resold. Your file lives with us from term sheet to payoff.
Private Real Estate Capital · Est. United States
Capital that moves
Capital that moves
with the principal.
Alpha Everest Lending is a direct private lender for institutional investors, family offices, and seasoned principals. We fund deliberately — with discretion, conviction, and twenty billion dollars of placed capital behind us.
The terms of confident capital.
We're not a marketplace, an aggregator, or a broker. Alpha Everest underwrites, funds, and services every loan we close — so principals deal with one decision-maker, start to finish.
ii.
Common-Sense Underwriting
We underwrite the asset and the operator, not just a credit tier. Stories, structures, and complex sponsorship are welcome — and understood.
iii.
Certainty of Execution
Issued term sheets close. We pre-commit capital before quoting and stand behind every signed LOI to the wire.
iv.
Confidentiality, by Default
Every relationship is handled with the discretion expected of a private lender. No marketing of borrower files. No data sold. Ever.
Investment Property
Built for the operator who builds portfolios.
The bulk of our capital sits behind 1–4 unit rentals, small-balance multifamily, and mixed-use across primary and select secondary U.S. markets. We finance the way you actually buy: portfolios, BRRRR refinances, value-add bridges, and cash-out for the next acquisition.
Single-asset and 5+ property blanket loans available under one term sheet.
- i.Loan amounts from $250K to $50M+ on a single relationship
- ii.DSCR, bank-statement, and full-doc paths — including foreign-national
- iii.30-year fixed, 5/6 & 7/6 ARMs, interest-only, and bridge-to-perm
- iv.Entity vesting (LLC / LP / Trust) — encouraged, not penalized
One lender. The full capital stack.
Indicative starting rates. Final pricing depends on sponsor, asset class, leverage, and term.
DSCR Rental
1–4 Unit · Long-Term
Cash-flow underwritten 30-year financing for stabilized rental property. No personal income required.
From 6.49%30-Yr Fixed
Portfolio Blanket
5+ Doors · Single Note
Consolidate 5 to 1,000 properties under one loan, one closing, one payment. Release schedules included.
From 6.75%5/6 & 7/6 ARM
Bridge & Value-Add
12–36 Mo · Interest-Only
Acquisition, reposition, and lease-up bridge capital. Up to 80% LTC and 100% of rehab on heavy-lift deals.
From 9.25%Interest Only
Fix & Flip
Single-Family · Short-Term
Speed-priced capital for experienced flippers. Up to 90% LTP, 100% of rehab, 75% of ARV — table-funded.
From 9.99%Up to 24 Months
Multifamily & Mixed-Use
5+ Units · Stabilized
Permanent and bridge financing for small-balance multifamily and mixed-use, $1M – $25M loan size.
From 6.95%5–10 Yr Term
Foreign National
No U.S. Credit Required
Non-resident financing on U.S. investment property. ITIN and passport-based programs with entity vesting.
From 7.49%30-Yr Fixed
Non-QM
Bank Statement · Asset Depletion
Flexible underwriting outside agency guidelines — bank statement, P&L-only, asset-depletion, and full-doc alternative pathways for principals who don't fit a conventional box.
From 7.25%Custom Term
A disciplined buyer of performing Non-QM paper.
Alpha Everest acquires performing residential Non-QM loan portfolios through a confidential, professionally underwritten transaction process. We work with originators, banks, note holders, and portfolio managers seeking a credible counterparty with the capital and conviction to execute.
What We Do
Portfolio Acquisitions
Direct purchase of performing residential Non-QM pools across DSCR, bank-statement, asset-depletion, ITIN, and full-doc alternative product types.
Loan Tape Review
Senior-led analysis of collateral, borrower profile, product mix, geographic concentration, and historical performance — turned around on a clear timeline.
Structured Execution
A professional process from initial review through diligence, documentation, and funding — with a single point of contact through close.
Who We Work With
Originators, banks, capital partners, and private portfolio holders seeking liquidity, balance-sheet optimization, or a credible recurring buyer.
Our Capabilities
Bulk & Flow
One-time bulk acquisitions and ongoing flow programs sized to your origination cadence — quarterly, monthly, or trade-by-trade.
Loan Tape Analysis
Detailed review of loan characteristics, collateral profile, and portfolio composition — with clear feedback if a file falls outside our box.
Disciplined Process
Clean execution from initial bid through diligence and settlement. No retrades absent a material finding, no surprises at the wire.
Seller-Focused
Built for institutions and portfolio holders who value timely, professional execution over the highest paper bid that may never close.
How We Work
Initial Review
Preliminary assessment of portfolio size, composition, and performance under NDA. Indicative read within days, not weeks.
Underwriting
Detailed review of loan tape, collateral characteristics, borrower files, and risk profile by senior credit.
Transaction Structuring
Alignment on pricing, diligence items, purchase terms, and settlement mechanics — documented and committed.
Closing
Final documentation, transfer coordination, servicing handoff, and wire — on schedule.
For confidential review of a performing Non-QM opportunity, contact Alpha Everest.
A close, on schedule.
A deliberate process, run by senior underwriters — typically 30 days from term sheet to wire.
Discovery
A 20-minute call with a senior underwriter to scope the asset, sponsor, and capital need. Confidential, no fees.
Term Sheet
Issued in under 48 hours. Hard pricing, leverage, term, structure — and a named point of contact through closing.
Underwriting
One file, one underwriter, one credit committee. We keep counsel, title, and appraisal on a shared timeline.
Close & Fund
Wire on schedule. Servicing in-house, with a relationship manager who knows your portfolio for the life of the loan.
Capital Partners Include
i.Single-Family Offices
ii.Multi-Family Offices
iii.Private Credit Funds
iv.Regional & Community Banks
v.RIA Allocators
vi.Insurance Sleeves
Specific names withheld by long-standing policy. Capital partner relationships are introduced through reference and confirmed under NDA.
As Referenced In
Bloomberg
The Chronicle Journal
MINYANVILLE
GlobeSt
Mansion Global
myMOTHERLODE.com
AND OVER 350 NEWS SITES
We needed conviction on a 22-property portfolio and a closing window we could actually meet. Alpha Everest issued the term sheet that afternoon and wired thirteen days later. They are the lender we run our capital plan around.
About Alpha Everest
A private lender, in the truest sense of the word.
Alpha Everest Lending is a privately-held, balance-sheet lender backed by a pool of family-office and institutional capital. We were built by operators — for operators — who needed a credit shop that thought like a principal and moved like one.
We deploy capital with conviction across all fifty states, with a permanent focus on residential investment, small-balance multifamily, and select commercial real estate.
- i.$20B placed across 2,640 transactions in 47 states since 2018
- ii.Senior credit leadership with 84 combined years in private credit and structured finance
- iii.In-house servicing — zero loan transfers in firm history
- iv.NMLS-registered where required; entity-only programs nationwide; SOC 2 controls on borrower data
Underwritten by the people who sign the checks.
Every loan is reviewed by named senior credit — no committee black box, no faceless desk. Below is the leadership team responsible for capital allocation, credit, and counsel.
Chairman
Name withheldby policy
Founder and Chairman of Alpha Everest Lending. Sets capital allocation strategy across direct lending and Non-QM acquisitions, and chairs every credit committee above $10M. Active in private real-estate credit since 2010.
- 16 years · private real-estate credit
- Chair, Alpha Everest Investment Committee
- Direct underwriting authority to $50M
Head of Credit
Senior Credit Officer
Owns underwriting standards across DSCR, bridge, multifamily, and Non-QM acquisitions. Builds and tests the credit-loss model that governs every quoted bid. Previously a credit director at a top-25 U.S. mortgage bank.
- 22 years · mortgage and structured credit
- Voting member · Investment Committee
- $48B reviewed lifetime AUM equivalent
Head of Capital Markets
Director, Capital Markets
Manages the firm’s warehouse facilities, securitization pipeline, and Non-QM whole-loan acquisition program. Single point of contact for institutional sellers and capital partners.
- 18 years · RMBS / Non-QM whole-loan trading
- $11B+ cumulative securitized issuance
- 50+ counterparty bank relationships
General Counsel
Counsel · Compliance & Risk
Counsel and compliance officer of record. Supervises licensing in all required jurisdictions, BSA/AML program, and the firm’s confidentiality and data-handling policies under SOC 2 controls.
- 28 years · banking and securities counsel
- Multi-jurisdiction licensing oversight
- BSA/AML & SOC 2 program ownership
Where We Sit
Senior, secured, first lien.
Alpha Everest is a senior-secured lender. We hold the first-lien position on every loan we close, with first claim on the asset and the cash flows it produces. Junior tranches — mezzanine, preferred equity, common equity — sit behind us in the capital stack.
This is not a structural preference; it is the only position we will take. We do not write second mortgages, mezzanine, or equity-linked paper.
Senior Secured · First Lien
Alpha Everest
Mezzanine
Third party
Preferred Equity
Sponsor / LP
Common Equity
Principal
Senior · First Lien · Recourse Optional
Field notes from the credit desk.
Short, candid memos from Alpha Everest’s senior credit team on what we’re seeing in private real-estate finance — written for the principals and capital partners we work with.
DSCR loans in a tightening market — the case for narrower stress tests.
Why we believe most originators are still underwriting yesterday’s rate environment, and the three covenants we tightened last quarter as a result.
The mispricing of performing Non-QM whole-loan pools.
A practitioner’s view on why current bid → cover spreads on clean Non-QM paper are wider than fundamentals justify, and where the asymmetry sits.
Bridge → perm: where the real risk lives.
Five years of internal data on the failure modes of bridge-to-perm financing — and the underwriting changes we made after our worst three loans of 2023.
What a 30-day close actually requires.
The operational anatomy of a real 30-day close — the eleven workstreams, the three real bottlenecks, and where we see most lenders quietly slip.
Ready When You Are
The next deal deserves a lender that can actually close it.
Tell us about the asset and the timeline. We respond inside one business day with a real-money quote — not a placeholder.