720 W 16th St

What an Adorable Home! Priced to Sell Fast! This home only needs a great family, some cosmetic upgrades & personalization. Nice sized 2 Bedroom 1 bath home with fireplace, approximately 884 sqft. You have a lovely private backyard connecting you to the garage building. As well as the garage, the building includes a bonus room with its own WC & a washer & dryer hookup. The lot size is over 4800 sq feet. Located in a desirable part of San Pedro, Los Angeles, walking distance to Dana Middle School & less than a 10-minute drive from Cabrillo beach & Aquarium.  

855 Lake Dr

Welcome to a charming oasis located in the Arrowhead Villas of Lake Arrowhead. This delightful getaway is situated on a corner lot, offering plenty of parking and convenient walking distance to the Tudor House, known for its concerts, plays, and events. The main floor features a cozy living room, a well-equipped kitchen, a dining area, one bedroom, a 3/4 bath, and a laundry room. Upstairs, you'll find two beautiful rooms, each with a full bath en suite, providing comfort and privacy. The custom-fenced yard is perfect for relaxation and entertainment, boasting a newly built gazebo and spa. Equipped with an on-demand water heater, there is no shortage of hot water. Enjoy the serene surroundings and the convenience of modern amenities in this charming Arrowhead Villas home. Photos of Lake Arrowhead are drone shots and do not reflect a view from the property.

37170 Marondi Dr

Welcome to this stunning 4-bed, 5-bath home on over 4 acres in the gated Oak Hills Estates. With 3,553 sqft of luxury living space, the home features soaring ceilings, marble tile floors, and custom granite finishes. Pella windows bring in abundant natural light, complementing the built-in shelving throughout. The home includes two primary suites, each offering spacious layouts, oversized custom closets, and elegant en-suite bathrooms. The chef’s kitchen boasts top-of-the-line Viking appliances, including double ovens, hood, fridge, dishwasher, and a wine fridge. Custom granite island seating and a large walk-in pantry complete the space for entertaining. Step outside to the backyard oasis, with a beach-entry saltwater pool, hot tub, BBQ area, and a tranquil hummingbird feeding space. The expansive acreage offers ample room for outdoor activities and potential future development. Additional features include a 3-car garage, bonus parking for boats/RVs, ADT security, a new 50-gallon water heater, and two AC units. Powered by propane and on a septic system, this home combines comfort, elegance, and country living. Schedule your showing today to see the perfect blend of luxury and serenity!

26325 Lake Forest Dr

Beautiful Twin Peaks 3 Bedroom, 2 bath home nestled on a hill surrounded by gorgeous, lush trees. Two large decks for family BBQ or just to relax and enjoying 180 picturesque VIEWS!!! Nice size kitchen with Corian countertops and a laundry room/pantry off the side. There is 1 bathroom downstairs and a huge living room with an embedded stone fireplace! Charming dining area with lots of natural sunlight! This home comes with a mud room! Great home for entertaining! Beautiful beam ceilings. There are 2 bedrooms upstairs with Master bedroom and master bath with tub and shower. Walk out the master bedroom to the exterior deck to enjoy the quiet serene space while enjoying the breath-taking views! Because you are upslope, during winter you can see all the rooftops w/ snow- and snow-covered evergreen. Plenty of storage in the basement, can possibly convert into an extra space for guest or income rental. Copper plumbing throughout. Great home for short-term or year-round! Minutes away from Lake Arrowhead Village and Lake! A Must SEE!

How to Partner with BFT

Get To Know Our Realtors: Cecilia Ponce De Leon!

Meet Cecilia Ponce De Leon, a dedicated Southern California realtor specializing in the beautiful regions of San Bernardino and the California mountains. With a deep understanding of the local market and a passion for helping clients find their perfect homes, Cecilia shares stunning listings that capture the essence of these picturesque areas. Whether you're looking for a serene mountain retreat or a charming home in San Bernardino, Cecilia is committed to providing exceptional service and expert guidance every step of the way. Let Cecilia Ponce De Leon be your trusted partner in discovering your dream home in Southern California.Contact her here:Website: southerncalrealtor.comEmail: [email protected] Number: +1 909-631-9960Facebook: https://www.facebook.com/CeciliaPDLrealtor

Get To Know Our Realtors: Paul Marmorstein and Anjeanette Lynne

Paul Marmorstein & Anjeanette Stairs – Your Trusted Real Estate DuoPaul Marmorstein and Anjeanette Stairs are a dynamic real estate duo serving the California market with dedication, expertise, and a client-first approach. Paul, known for his background in music as the former lead vocalist of L.A. Guns, brings energy, negotiation skills, and a deep understanding of the market. Anjeanette complements their partnership with her extensive industry knowledge, strategic thinking, and commitment to exceptional client service.Together, Paul and Anjeanette provide a seamless real estate experience, whether you're buying, selling, or investing. Their combined expertise, passion for helping clients, and strong network make them a trusted team in the competitive California real estate landscape.

DSCR Loans with BFT

What is a DSCR Loan?DSCR stands for Debt Service Coverage Ratio.A DSCR loan uses the income generated by a property (like rent) to determine if you qualify for a loan.Unlike traditional mortgage loans, your personal income or tax returns aren’t used to determine eligibility.This type of loan is specifically for real estate investors, not people looking to buy a home to live in.For example, if you’re self-employed and need a home loan, this wouldn’t be the right fit, but other loan options exist for you.How Does It Work?Lenders calculate the Debt Service Coverage Ratio (DSCR):They compare the property’s annual net income (after expenses) to the total yearly mortgage payments.Formula: DSCR=Property Net IncomeMortgage Payments\text{DSCR} = \frac{\text{Property Net Income}}{\text{Mortgage Payments}}DSCR=Mortgage PaymentsProperty Net Income​Example:If the property earns $15,000/year and mortgage payments are $12,000/year, DSCR = 15,00012,000=1.25\frac{15,000}{12,000} = 1.2512,00015,000​=1.25.This is considered good because it shows you can cover your mortgage and still have some income left.Key Benchmark:Most lenders want a DSCR of 1.25 or higher. This means the property generates 25% more income than the debt costs.Pros of DSCR Loans:No personal income verification: Ideal for investors whose tax returns don’t fully reflect their income (e.g., self-employed individuals or those with deductions).No limit on the number of loans: You can have multiple DSCR loans at once, helping you expand your property investments faster.Tailored to real estate investors: If rental properties are your primary income, this loan works better for your unique financial situation.Cons of DSCR Loans:Higher costs:You might need a bigger down payment (e.g., 20-25% of the property price).Interest rates are usually higher than traditional home loans.More money upfront: Because of the larger down payment and interest, these loans can require more initial capital.Only for income-generating properties: This type of loan doesn’t work for personal home purchases.Why Choose a DSCR Loan?If your rental income is your main source of earnings, DSCR loans let you qualify for financing even when tax filings don’t show high income.They’re flexible for building large property portfolios, provided you can maintain strong property income and DSCR for each loan.