The Clear Sky Advantage:
- We’re fast – Speed is critical to you. We close directly with you in a matter of days. No middlemen. No borrower check, no tax forms, no down payment.
- We’re experts – We’ve acquired, renovated, and sold over 300 properties in VA/DC/MD since 2009. We know what it takes for you to be successful.
Introducing the Roadmap to Wealth
The Roadmap to Wealth is an ecosystem of components design to work together to maximize your potential for generating wealth and successfully navigating from “Surviving to Thriving” in the real estate investing market. Learn how Education, Lead Generation, Wholesaling & Flipping, CSF Hard Money and Residual Income will put you on the path to generational wealth.
Our Services
Fix & Flip
Flipping property is a popular investment option for both individuals and institutional investors. Fix-and-flip loans help bridge the gap between the buyer’s capital and the property’s purchase price and renovation costs. These loans are short-term in nature and are typically repaid with proceeds from the property sale.
Buy & Hold
Buy and hold real estate is a long term investment strategy where an investor purchases a property and holds on to it for an extended period of time. The owner typically has the intent to sell it down the line, but will rent out the property until then to help with buy and hold real estate financing.
Renovate
Where hard money loans shine is renovation financing. Most hard money lenders cover 100% of the renovation costs and release the funds in a series of draws, based on a mutually agreed-upon draw schedule (more on this later).
Bridge
A bridge loan is a short-term loan used until a person or company secures permanent financing or removes an existing obligation. It allows the user to meet current obligations by providing immediate cash flow.
Our Process Is Simple And We Want You To Succeed!
We not only provide the funds you need, but we also help you with making your project a success by sharing knowledge from our own highly successful ‘fix-and-flip’ experience.
One of our strategic priorities is to build trusted relationships with real estate investors who are committed to high-quality outcomes, re-establishing properties as attractive and desirable homes that improve the neighborhood. We do this because it’s best for the communities we serve and because we want your repeat business.
Straightforward, easy to understand terms that vary depending on the specific property and project:
| Term | Definition |
|---|---|
| Loan Amount | Up to 75% of the ARV of the property |
| Term | Up to 12 Months, Monthly Interest-Only Payments |
| Interest Rate | Competitive with DC/VA/MD metro market; varies depending on loan factors |
| Origination Points | Competitive with DC/VA/MD metro market; varies depending on loan factors. No Application Fee, but certain Loan Fees may apply depending on the project |
| Closing Date | Can occur within days of approval |
| Lien Types | Primarily First Liens; Second Liens may be available depending on loan factors |
| Renovation Draws | Progress inspections may be required depending on the project |
| Prepayment penalty | NO Prepayment penalty |
HOW WE BUILD OUR LOANS
Testimonials
- TestimonialHi Charlie, The deal for the property located at N. Calvert Baltimore has fallen through. My lawyers are now involved and are dealing with the wholesaler and the title company. However, I wanted to say thank you for your quick responses and willingness to work under a short turnaround time. I hope to work with you again soon on another deal. – Best, Feven Getachew
- Testimonial“Matt, Congrats on the sale of this home!! I hope you guys did well.” – Best, Charlie Einsmann “Thanks! We did great. Once we get it over the finish line we are looking to do another acquisition in December or January. We have been looking at a lot of deals. Have a great Thanksgiving.” – Matthew K. McLeod Investor & Realtor Consultant
- Testimonial“Thank you for your Herculean efforts in helping us out. We are grateful and will certainly recommend you both to others. God bless you all!” – Joe and Sheryl Gangi
- Testimonial“Good evening Charlie – I appreciate you for everything on this file. You definitely know your onions and your business model is great. The title company wired the money yesterday. Thank you for the opportunity. I am looking forward to us doing this together again shortly.” – John (Zerub Towers)
- Testimonial“Hey, Charlie! I wonder if 5 years from now it’ll still feel like yesterday you sat and met with me at Starbucks and unknowingly changed my damn life …. Crazy. Thanks a lot! Just had to bring that up: And no, we actually didn’t. The final inspection was holding us up, but we are good now. Officially have all documents in order And think they are getting it down for Tuesday or Wednesday. Will know later this evening the date. I’ll let you know. And I was actually going to purchase a lot in Colonial Beach. And work on a development but then…
- Testimonial“We wanted to thank Clear Sky Financial for believing in RONAS Properties on this project. We hope to work with your group in the near future on many other projects.” – RONAS Properties
- Testimonial“ “Thank you for your helping my sister Tsz Keung Lam, she closed in April. Your help is greatly appreciated! Charlie is wonderful to work with :-))I appreciate charlie for his honesty deal and dedication.” – Lee
- Testimonial“Charlie and Sam, 6 Virginia Ave, ( F-6VIRGINI ), settled today! Your payoff will be received from SAGE Settlement. I want to thank you for your support and loan extensions throughout this process. I have gained a lot of invaluable knowledge and lessons learned to use for my next project. This would not have been successful without your support. It was my first time using a Hard Money Lender and ClearSky made the process very easy. Thanks again for your support and I look forward to my next project and using ClearSky for the financing.” -Thank You, Michael Townsend, MRT Real Properties, LLC
- Testimonial 5“Thank you two for your help and for giving us the chance to succeed. Was a pleasure working with you, will be in touch for the next one!” – Omar H.
- Testimonial“I just wanted to thank you for everything that you’ve done, and for all of your hard work. I honestly feel like I can not say it enough. I appreciate your help in keeping a roof over our heads. I wish there was a way to repay you both. Your generosity will never be forgotten” Thanks again from the Stevens Family.
- Testimonial“I also want to say THANK YOU for all support and guidance you have provided me over the past couple of years. While Cherri was tough, you have kept me out of a lot of other deals that could have been worse. At the same time, you have helped me evaluate and determine what a good deal looks like … all without the guise of charging $10-20K for helping someone out. I also appreciate the quality of service, responsiveness, and flexibility you have shown on your lending deals, especially on this one with Juan and I as our situation fluctuated!”…
- Testimonial“Thank you very much! Yes, both sides are rented. They were both rented before I went to closing on June 13, 2017. I enjoyed working with both you and Sam. A big part of my success comes from your contribution as a lender. So thank you for assisting me with making it to the finish line!” – V/R, Christina T
- Testimonial“Thank you so very much, Charlie. I really really appreciate all the help and your kindheartedness!God bless you more and keep You from all dangers and all illnesses!Long live, The Charlie, we need you in every which way of the Real Estate investing.Take care!” Jim Navarro
We are in the Fix-Flip business ourselves. Head over to SOLDINTWODAYS.COM if you are interested in selling your property hassle-free!
