Joe's Deal Desk

Joe's Deal Desk is a financing service operated by Josiah "Joe" Diaz, a licensed loan officer with MPIRE Financial Group LLC, based in Orlando, Florida. The business focuses on providing loans for real estate investors, including DSCR purchase loans, cash-out refinances, LLC vesting, portfolio loans, commercial financing, new construction loans, and fix-and-flip loans. It is licensed to fund deals across all 50 states and also offers standard home financing products such as FHA, Conventional, VA, and ITIN loans.

The company hosts a weekly investor call every Monday at 9:30 AM EST covering deal structures, market shifts, appraisal insights, and current closings. This call is free to join, and participants receive a link before the meeting without needing to fill out a form. The stated purpose is to solve problems that traditional lenders cannot handle for investors scaling their portfolios.

The service targets wholesalers, flippers, and buy-and-hold investors who need financing for deals that traditional lenders might reject. Specific products include DSCR purchase loans that qualify on the property's rent rather than tax returns, and cash-out refinances that pull equity out of stabilized rentals without requiring tax returns. LLC vesting allows investors to close in their entity from day one, while portfolio loans provide blanket financing across multiple properties with a single payment.

The business operates out of Orlando, Florida, and is licensed to fund deals nationwide, covering all 50 states. They specifically highlight hot market cities including Houston, Dallas–Fort Worth, Indianapolis, Cleveland, Atlanta, Jacksonville, Detroit, and Memphis. The parent company, MPIRE Financial Group LLC, is located at 189 S. Orange Ave, Suite 2030/2050/2070, Orlando, FL 32801.

To get started, investors can send the address and rent of a deal to Joe, who will then determine if it works. Alternatively, visitors can join the weekly investor call to learn about current market conditions and deal structures. The process emphasizes a hands-on approach where Joe reads the deal off the numbers rather than relying on a rate sheet.

The company states that deals are not excuses, and they aim to close more by solving unique financing problems. The website mentions that they are an investor at heart with a decade of lending experience, focusing on getting deals to close rather than just qualifying them. Their philosophy is built around the standard they hold for every file, which is summarized by the phrase "Deals Not Excuses."

The business offers a variety of home financing products beyond their specialized investor loans, including FHA, Conventional, VA, and ITIN loans. These standard products are offered at wholesale rates, providing options for borrowers who do not fit the specialized investor criteria. The deal-check tool on their website provides illustrative estimates for rates and terms, though these vary by borrower and property.

The company is licensed to operate under NMLS #1506056 for Josiah Diaz and NMLS #2108504 for MPIRE Financial Group LLC. They operate under Equal Housing Opportunity guidelines and note that all loans are subject to credit approval, underwriting guidelines, and property eligibility. Rates and terms vary by borrower and property, and estimates provided are illustrative only.

The process involves sending the address and rent of a deal to Joe, who then evaluates its viability. If the deal qualifies, the company proceeds with the specific loan product, such as a DSCR purchase loan or a cash-out refinance. The weekly investor call serves as an additional touchpoint for understanding market shifts and appraisal insights before committing to a deal.

The company explicitly states that they do not require tax returns for DSCR purchase loans or cash-out refinances. This requirement-free approach is a key feature for investors who may have complex tax situations or are scaling their portfolio quickly. The deal-check tool helps investors understand potential rates and terms before engaging further.

The business focuses on solving problems that traditional lenders cannot solve, such as DSCR purchase loans and cash-out refinances. They also offer LLC vesting to keep portfolios structured correctly from day one. The weekly investor call provides real-life examples of closed deals and market insights, helping investors make informed decisions.

The company emphasizes a hands-on approach where Joe reads the deal off the numbers rather than relying on a rate sheet. This method ensures that the deal is evaluated based on its actual potential to close, not just on standard criteria. The weekly investor call reinforces this by providing real-time updates on what is actually closing in the market.

The business operates with a focus on speed and efficiency, particularly for fix-and-flip loans and new construction loans. They aim to close deals quickly by addressing the unique needs of investors moving fast on distressed properties or developing ground-up projects. The weekly investor call helps investors stay updated on market shifts and appraisal insights, ensuring they can act quickly on opportunities.

You can reach Joe's Deal Desk by phone at +19566088611.

The official website of Joe's Deal Desk is borrowfromjoe.com.