Financing for investors

A bank has one way to say yes. I've got dozens.

You own a few rentals and the bank just said no on the next one. I build the debt architecture that keeps the portfolio growing: which loan goes on which property, in what order.

If the math doesn't work, I'll tell you why and what would fix it.

Get my free Portfolio X-Ray Book a 15-minute consult
DSCR · Portfolio · Commercial & 5+ unit multifamily · Hard money · Non-QM
W2 high earners and business ownersscaling a rental portfolio. Long-term, mid-term, STR.
Agents who invest.You are the best clients I have.
Agents with an investor buyer who just got a no.Send them to me before the contract dies.
$71MInvestor acquisitions financedPurchases and portfolio adds
$39MEquity freed to reinvestRefis and HELOCs, put back to work
DozensWholesale lenders on the sheetYour deal shops until it fits
24 hrsStraight answer on any dealYes, no, or what would fix it
01 · Portfolio X-Ray · free

Most investors track their properties. Almost nobody tracks their trapped equity.

The X-Ray is a one-page breakdown of everything you own: what it owes, what it's worth, and which properties are refi or HELOC candidates right now.

You send addresses, I build it in about a day. No cost, no pitch stapled to it.

If nothing pencils, the X-Ray says so.

STEP 1

Send your addresses

The form here. Takes two minutes.

STEP 2

I run the numbers

Value, balance, rate, and equity position on every property.

STEP 3

You get the one-pager

What's refi-able, what's HELOC-able, what to leave alone.

I build five of these a week, by hand. Yours is in your inbox within one business day of your addresses landing in mine. No cost, no obligation.
02 · The Leverage Letter · weekly

One thing worth knowing each week. Not a market recap.

One deal, one market move, or one guideline change that affects your next decision, plus a straight answer on whether it applies to you. Hit reply anytime. I actually answer.

Next issue: the 2026 BRRRR math. Get on the list before it goes out.

03 · Loan Consult

Worth 15 minutes.

A short call to hear what you're trying to do and tell you what's actually possible, before anything gets formal. If it pencils, the application takes about 15 minutes. If it doesn't, you just saved yourself months.

Book a Loan Consult
Or text or call 704-997-9096 · wyatt@kinfolkhomeloans.com
04 · Who you're working with

Wyatt Wolff

I build debt architecture for investors with 3 to 10 doors who want 20. Conventional while it still works, DSCR and portfolio when it stops, commercial and 5+ unit multifamily when you outgrow both.

Every deal runs across dozens of wholesale lenders until it fits. When the numbers don't pencil, I say so.

I was the #1 loan officer at The One Brokerage, David Greene's lending team, doing nothing but investor deals. I came to Kinfolk Home Loans in 2026 to build out their investment division.

I own rentals too, so I've sat on your side of the closing table. I work for the Client, not the lender.

We win together.
Wyatt Wolff
Broker + investor · $71M financed · DSCR, portfolio, commercial