As a private money lender, ACM provides mortgage loans to borrowers who cannot be approved through a conventional lending source; these private loans have higher interest rates and fees than a conventional mortgage. The company lends on owner-occupied single-family, condos, and units as well as investment single-family and 2-4 units, small commercial and apartment buildings, and other types of property on a case-by-case basis. ACM also provides bridge financing for residential purchases up to $3 million. ACM works directly with borrowers, and also through experienced loan originators.

Borrowers who have an unusual situation are often told that they cannot get financing, when they just haven’t connected with a good private lender. Below is a partial list of the outside-the-box loan scenarios that may find a home with ACM:

  • Foreign National

  • Vesting in an LLC or in an irrevocable trust

  • Buy-out other heirs or spouse

  • Loans to help settle an estate where transfers have to take place inside a trust to avoid property tax re-assessment

  • Newly self-employed

  • No credit score

  • Payoff debt to qualify

  • Pledged assets

  • Cross-collateralize other properties

  • Asset depletion for income

  • Large acreage

  • Rental income from departing residence

  • Business funds for down payment

  • Live/Work

  • Unpermitted additions

  • Mixed-use properties

  • Very high debt-to-income ratio

  • Restricted or non-public stock for income/assets

  • Properties under construction

  • Fix-and-flip based on future value

  • Construction loans - but very selective

  • Use rental income after projected improvements to qualify


The U.S. Department of Housing and Urban Development (HUD) can help you find a HUD-certified housing counseling agency by calling (800) 569-4287 or TTY/TDD (800) 877-8339.


I am so happy. You guys have done a great job in a short amount of time with a difficult situation. Thank you so much for all your hard work.
— S. St. Denny

I unexpectedly found an amazing property, the kind of place I had been dreaming about. I got into contract and was told by a conventional mortgage broker that there would be no problems, even though I am self-employed and have numerous businesses and sources of income. He couldn’t come through, and after missing two contract deadlines I was about to lose the property. ACM stepped in, smoothed relationships with the agents involved, and got the deal closed in less than 10 days.
— Amy B., borrower in Sonoma County