Oscar M Castro Jr.
About
Hi all, I am a Flip Secrets member and CEO of Allay Capital LLC. I've been in real estate finance since 2013 and I love what I do! I am offering discounted pricing for Flip Secrets members as we're all in this together!
I've spoken to many members over the years and am here to help! Even if you do not have a scenario, I will still help with guidance where I can to make sure you are going to succeed!
Give me a call if you have questions, need a Proof of Funds letter or have a loan you need me to send you a Loan Quote for!
Are you an HML? Yes
Do you fund gap? I am able to help secure Personal Lines of Credit
for approved borrowers.
Do you fund EMD?I am able to help secure Personal Lines of Credit
for approved borrowers.
Lending criteria
As of 04/2025 these are current terms, Always give me a call to go over current terms as rates are coming down!
Fix & Flip
Close in as little as 4 days on RUSH
Using a GAP is okay! No Bank Statements required.
FICO 620+
Experienced Investors: Up to 90% on Purchase & 100% Rehab
1st time investors: Up to 80% on Purchase & 100% Rehab
1st time investors: 680+ FICO required
1-4 Unit residential
Rates: 9.5%+
Origination: 1.5% (For Flip Secret Members)
Underwriting: $1,500
I require an appraisal which I order for you, ""Drive By"" is ok for no access properties.
I can lend in all states Except ND, SD, MN, OR, VT, AZ
DSCR
NO Minimum FICO
NO Minimum DSCR score
NO Experience required
Rates: 6.25%+ (As of 4/5/25)
Origination: 1.5%+ (Flip Secrets Members)
Up to 85% LTV on Purchases
Up to 80% LTV on Rate & Term Refi
Up to 75% LTV on Cash-Out Refi
Property Types: 1-10 Units, Mixed-Use, Commercial
No Pre-Payment Penalty Options available
Earn compensation through our Referral Program, Inquire for more information!