Our Expertise
Your Partner in Smart Financial Growth
At Non Recourse Loan LLC, we specialize in providing tailored financial solutions designed to help individuals and businesses achieve their goals. Whether you’re looking to leverage your self-directed IRA to invest in real estate or secure funding to grow your business, we’re here to guide you every step of the way.Our expertise in non-recourse loans and creative financing strategies ensures that you can make the most of your investments while minimizing personal risk. We evaluate each loan request on its own merits, applying a common-sense lending approach to create opportunities that make sense for you.
Years Of Experiences
0
+
Lorem Ipsum
Meet Ryan Hughes
Founder | Financial Strategist | Community Leader
Ryan Hughes is a seasoned financial expert with decades of experience in executive banking roles, private banking, and real estate financing. As a Mortgage Loan Originator (MLO) and a specialist in equity capital and risk management, Ryan brings unmatched expertise to every client interaction.His passion for helping individuals achieve homeownership and supporting business growth is matched only by his dedication to community and family. A devoted husband of 25 years, father of six, and grandfather of two, Ryan is deeply committed to mentoring young athletes and building strong, lasting relationships in the community.
Lorem Ipsum
What Makes Us Different
-
Expert Guidance
Decades of experience in financial strategy, mortgage lending, and real estate tax optimization. Simplifying complex processes to make lending accessible for all.
-
Client-First Approach
Treating customers as long-term partners, not just transactions. Offering support that extends beyond loan closing, ensuring success throughout the investment journey.
-
Proven Track Record
Expertise spanning fund management, residential wholesale lending, and corporate finance. Helping countless clients achieve their financial goals and turn their visions into reality.
Lorem Ipsum
What Are the Minimum Requirements for a Non-Recourse Loan?
- Minimum Liquid Reserves in Retirement Account:
Up to 15% of the loan amount may be required in the self-directed IRA or other retirement account as liquidity for reserves after closing.” Maximum LTV 70%
- Debt Service Coverage Ratio (DSCR):
The net operating income (NOI) of the investment property must exceed the debt payments by a minimum of 25%.
- Property Down Payment:
A down payment of 30%–40% is typically required for residential properties.
For commercial properties, this can range higher based on property type and lender policy.
- Loan-to-Value (LTV) Ratio:
Maximum LTV is usually 60%–70%.
- Property Type Requirements:
The property must be income-generating (e.g., rental properties).
Certain property types, like vacation homes or fixer-uppers, may not qualify.
SUCCESS STORY
Customer experiences with us
I was nervous about investing my retirement savings in real estate, but their expertise and guidance made it seamless!
John Doe.
I was nervous about investing my retirement savings in real estate, but their expertise and guidance made it seamless!
John Doe.
I was nervous about investing my retirement savings in real estate, but their expertise and guidance made it seamless!
John Doe.
Ready to Secure Your Financial Freedom?
“Let us help you leverage your retirement savings to achieve your biggest investment goals. With our expertise and innovative lending solutions, you’re in trusted hands.”