I’m a Lender, Buyer, & Looking for Investors
I provide fast, flexible loans, secure investment opportunities, and buy fix-and-hold properties in Michigan.
Whether you need funding, want to invest, or are looking to sell, let’s make real estate work for you.
Lending: Get the Capital You Need
I provide fast, flexible funding for real estate investors looking to acquire, renovate, or scale their portfolios.
Real Estate Loans
Fix & Flip Loans
Rental Property Loans
Portfolio Loans
Ground-Up Construction Loans
Transactional Funding
Business Loans & Credit
Business Term Loans
Business Credit Building
Lines of Credit
SBA Lending
Alternative Lending
Residential Mortgages
Licensed Mortgage Brokerage Services
Home Purchase Loans
Refinance Rates
Fast Funding
Cash-Out Refinance
I’m Buying Fix-and-Hold Properties in Michigan
If you’re selling a house, duplex, or small apartment building in Oakland, Wayne, or Macomb County, I want to hear from you. I buy properties for cash, creative financing, and long-term wealth-building strategies.
Target Market
Primary Areas: Oakland, Wayne, and Macomb Counties, Michigan
Preferred Zip Codes: Based on rental demand, crime rates, and property values
Property Types
Single-Family Homes (3+ bedrooms preferred, 2+ considered)
Small Multifamily (2-4 units)
Larger Multifamily (5-20 units, selectively)
Properties suitable for Room-by-Room Rentals or Co-Living Spaces
Acquisition Strategy
Section 8 Rentals - Must meet Housing Authority guidelines
Co-Living / Rent by the Room - Large square footage preferred
Value-Add Opportunities - Light to moderate rehab OK
Discounted Deals - Seeking below-market pricing
Seller Financing / Creative Financing Preferred
Cash Deals Considered for Deep Discounts
Purchase Criteria
Price Range: $30,000 - $200,000 per property
ARV (After Repair Value): $80,000+ preferred
Minimum Cash Flow Goal: $500+ per month per unit
Entry Cost: $5,000 - $10,000 ideally
Condition: Cosmetic to moderate rehab OK, no major structural issues
Neighborhoods: B & C class neighborhoods preferred
Seller Financing Terms (Ideal): Low down payment, flexible terms, interest-only if possible
Invest With Me
Secured, high-yield real estate investment opportunities in stable, cash-flowing Section 8 rentals and co-living properties across Oakland, Wayne, and Macomb counties, MI.
Why Invest With Me?
Secured by Real Estate - First or second lien positions available.
Competitive Returns - Earn 8-12% annualized interest with monthly payments.
Short & Long-Term Options - Investment durations of 6-24 months.
Cash-Flowing Properties - Stable income from long-term tenants.
Proven Strategy - Below-market acquisitions, value-add, and DSCR refinancing.
Low Investment Minimums - Start with as little as $50,000.
Lender Investment Criteria
Minimum Investment: $50,000
Target Returns: 8-12% annualized, paid monthly
Term Lengths: 6-24 months
Loan-to-Value (LTV): 70% or lower
Security: First or second lien position available
How Your Capital is Used
Acquisition Financing - Buying properties at a discount.
Renovation Funding - Light to moderate rehab.
Bridge Loans - Short-term funding before refinancing.
Transactional Funding - Quick turnaround wholesale deals.
Exit Strategy for Your Investment
DSCR Loan Refinance - Converting into long-term financing.
Sale of Property - Fix-and-flip exit where applicable.
Investor Buyout - Profitable properties can be sold to investors.
Meet James
James Parshay is a real estate investor, private lender, and financial strategist with over 20 years of experience in mortgage lending, financial advising, and real estate investing. As the owner of Breeze Financial, he helps investors structure smart deals, build wealth, and secure funding. Actively involved in top real estate investment communities, James focuses on lending, property acquisitions, and business credit services, providing valuable funding solutions for investors and entrepreneurs.
