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JSS Financial is a unique approach to real estate lending and financing. Our service will meet the needs of any individuals, entities or business owners.

JSS Financial saw a clear need in the industry for individuals, professional investors and developers that require financing solutions that traditional sources don't offer

Founder

JSS was established by Byron Enriquez, an individual who brings to the table over two decades of invaluable experience in the lending industry. Throughout his career, Mr. Enriquez has demonstrated exceptional skills in managing and operating a wide array of lending institutions, each of which has contributed to his comprehensive understanding of the sector. His expertise is not limited to operational management but also extends to strategic planning and financial analysis, which have been instrumental in his ability to navigate the complexities of the lending market. Furthermore, Mr. Enriquez has successfully cultivated a robust network of partnerships, each of which is carefully selected to ensure that they mutually benefit both clients and investors. This network is a testament to his ability to build strong relationships and collaborate effectively with others in the industry. The profound industry experience and extensive network that Mr. Enriquez possesses are pivotal assets for JSS, enabling the company to provide effective client service and support successful ventures. These assets allow JSS to stay ahead of the curve, adapt to changing market conditions, and deliver innovative solutions that meet the needs of their diverse clientele.

 

Easy Documentation

We solve the need for overly robust expanded documents for qualifying.

Unique Solutions

Creating tailored loans to find each clients needs or wants.

Quick Service

We spend the time and attention swiflty to help you.

Portfolio Growth

Understanding the need to grow your real estate portfolio. 

Ground up SFR


1-4 Units

 Up to 85% LTC / 75% LTV
Loans $100k - $5mm+
No income Verification
Nationwide

Fix & Flip

Acquisition/Refinance 
One to four units
 Up to 85% LTC/70%
 ARV Loans $100k - $5MM+
 No Income Verification
Minimum FICO 620 
Nationwide

Multi Family Value Add

Acquisition
Multifamily - 5+ Units
 Up to 85% LTC / 75% LTV
Loan Size $500k - 20mm+
No Occupancy or DSCR Requirements
Nationwide

Bridge Loan

Loans $1MM - $100MM
Max LTV : 65%
Max LTPP : 75%
Term : 1-2 years
FICO :  650+
Office, industrial, Multifamily,
self storage,
Mobile Home, Hospitality
Nationwide

Residential and Commercial Ground Up


5+ Units
Up to 80% LTC / 70% LTV
Loan Size $500K - 20MM+
Condos, Townhouses, SFRs
Nationwide