We have been in the room when capital failed to close.
MB4I exists because we understand what is at stake when a deal needs capital and the lender cannot perform.
Mortgage Banking 4 Investors (MB4I) was founded in 2019 by a team of operators who had spent years on both sides of the capital table — as borrowers, as lenders, and as principals in real estate transactions. We built MB4I to solve a problem we had personally experienced: conventional lenders move too slowly, require the wrong documentation, and re-trade terms at the worst possible moment.
Since founding, MB4I has structured and closed over $300 million in real estate financing across more than 400 transactions, spanning bridge loans, fix-and-flip projects, rental portfolio acquisitions, and private capital placements. Our borrowers range from single-deal operators to portfolio builders managing dozens of properties across multiple states.
We are not a bank. We do not run deals through a credit approval matrix. We are operators and capital partners who have structured, financed, and closed real estate transactions across multiple markets and deal types. When you submit a deal to MB4I, it is reviewed by people who understand what a fix-and-flip timeline actually looks like, what DSCR means in a rent-controlled market, and what it costs an investor when a lender re-trades terms at the closing table.
Our team works at the intersection of private equity, mortgage banking, and real estate investment. We are affiliated with BPEF , a boutique private equity firm focused on identifying opportunities with unrealized potential and applying capital, structure, and relationships to convert that potential into measurable outcomes. This affiliation gives us access to institutional-grade capital and a deal-structuring team that most private lenders cannot offer. When you work with MB4I, you are working with a team that understands both sides of the capital table.
$300M+
Volume Financed
400+
Deals Closed
2019
Founded
12+
States Active
Leadership
The Principals Behind MB4I
Every deal is reviewed and underwritten by people who have personally structured, financed, and closed real estate transactions. These are the principals who stand behind every loan we issue.
James Dalton
Managing Partner
20+ years in private equity and mortgage banking. Former Director at a national bridge lending platform, overseeing $1B+ in originations. Leads capital strategy and deal review.
Rachel Mendez
Managing Partner
15+ years in real estate investment and underwriting. Former principal at a fix-and-flip fund with 200+ completed projects. Oversees deal structuring, underwriting, and borrower relationships.
Christopher Kim
Mortgage Banking Lead
12+ years in loan origination and pipeline management. Previously originated $400M+ in private and bridge loans. Manages loan origination, closing coordination, and borrower communication.
All MB4I principals hold active NMLS licenses. MB4I operates as a mortgage broker and private capital arranger in accordance with applicable state and federal regulations. License information available upon request.
Compliance
Licensed & Regulated
MB4I operates under applicable federal and state lending regulations. We hold mortgage broker licenses in all states where we actively originate loans.
Federal Compliance
- Registered with the Nationwide Multistate Licensing System (NMLS)
- Compliance with Regulation Z (Truth in Lending Act) for applicable transactions
- Equal Credit Opportunity Act (ECOA) compliance in all underwriting
State Licensing
- Active mortgage broker licenses in 12+ states
- State-specific disclosure provided in all loan documentation
- Annual license renewal and continuing education maintained
For specific state licensing information or to verify our NMLS registration, visit the NMLS Consumer Access portal .
