Most lenders hide their profit in your closing costs. Stop financing the bank's commission. RefiGeniuses provides Zero-Point Funding designed for the modern real estate investor.
Most lenders quote a lower rate, but hide their profit in "rolled-in" points. You end up financing their commission for 30 years. Here's what that really costs.
Interest Rate
6.5%
Looks attractive on paper
Upfront Points
2% = $10,000
Hidden in your closing costs
New Loan Balance
$510,000
You financed the fee
Interest on Rolled-In Points (30 Years)
$12,754
You're paying interest on their commission
Total Equity Drain
$22,754
Gone for 30 years. Could have bought your next deal.
Interest Rate
6.875%
Slightly higher, but no hidden fees
Upfront Points
0%
Zero commission financing
New Loan Balance
$500,000
Exactly what you borrowed
Equity Retained Day 1
$10,000
In your bank account. Ready to deploy.
Your Advantage
$22,754
Available for your next acquisition. Today.
The math is simple: Retail lenders profit from your equity. RefiGeniuses profits when you scale.
That $10,000 isn't a fee. It's your capital. And you're the genius who keeps it.
Lending shouldn't be a "gatekeeper" business; it should be a partnership.
Most lenders charge 1% to 2% in origination fees just to open the door. On a $500,000 loan, that's $10,000 taken out of your pocket before you even start your project.
At RefiGeniuses, we are a direct balance sheet lender. We don't charge upfront points or origination fees because we believe in the "back-end win."
You keep 100% of your liquidity at the closing table and benefit from a 100% tax-deductible interest structure.
We earn our yield through the life of the loan.
A true partnership where we don't get paid unless your deal gets funded.
Monthly interest write-off. Your tax bracket effectively pays for this portion of your loan.
Your "real" monthly carry after the partnership tax benefit.
Note: These calculations assume a $500,000 loan at 7% annual rate. Your actual tax benefits depend on your specific loan terms and tax situation. Consult with your CPA for personalized tax advice.
Compare costs across different loan periods and tax brackets
Over 3 years, the Disruptor's tax-deductible structure saves you this amount compared to traditional loans with points.
| Period | Traditional Cost | Disruptor True Cost | Tax Savings | Total Savings |
|---|---|---|---|---|
| 1-Year | $30,000 | $17,850 | $8,400 | $12,150 |
| 3-Year | $78,750 | $53,550 | $25,200 | $25,200 |
| 5-Year | $127,500 | $89,250 | $42,000 | $38,250 |
Your current tax bracket is 32%. This determines how much you save through tax deductions on your Disruptor loan interest.
See how your loan performs across different market conditions. Compare your savings across Escalation, Peace, and Inflation scenarios.
| Traditional Lenders | The Disruptor |
|---|---|
| Points & Origination | |
| 1-2% Added to Loan Balance | $0 - Zero Points |
| Closing Costs | |
| Added to Loan Balance | $0 - Zero Closing Costs |
| Out-of-Pocket at Close | |
| Appraisal Fee Only | Appraisal Fee Only |
| Interest Structure | |
| Non-Deductible | 100% Tax-Deductible |
| Closing Speed | |
| 30-45 Days | 10-Day Fast-Track |
| STR Income | |
| "No" to STR Income | "YES" to Airbnb/Rental |
Need to pivot? Use our bridge to snag your next acquisition or finish a renovation without the "point tax."
Quick acquisitions and "gap" financing.
Trade your high-fee traditional mortgage for a partnership-structured loan.
1-4 unit long-term rentals and portfolio scaling.
Specialized underwriting for the Championsgate, Solterra, and Orlando markets. We underwrite the business, not just the house.
Short-term rental investors and Airbnb operators.
Most lenders have a "Sales Department" designed to keep you away from the decision-makers. We don't have a sales department. We are the lenders. When you call, you're talking to the guys who manage the capital and approve the files.
No more explaining your Airbnb's seasonal income to a temp in a cubicle.
We tell you "Yes" or "No" in minutes, not weeks.
We live on our phones. Text us a deal, get a response while you're still at the property.
32+ years in the mortgage industry. Licensed mortgage professional, former Series 7 Stock Broker. Specializes in Multifamily & Commercial Acquisition, New Construction, Bridge, and Airbnb Rental Portfolio Loans.
Capital Markets & Underwriting
(813) 785-4366
Founder of Top Speed Mortgage LLC & Top Speed Processing LLC. Specializes in Commercial, DSCR, Bridge, and Fix & Flip loans. Known for speedy closings, personalized client service, and helping investors close on multiple properties without delays.
Originating & Strategy
(813) 606-3113
If you're not ready to text, drop the basics here. We'll run the preliminary math and get back to you within 2 hours.