In today's fast-changing mortgage world, opportunity is shifting—and smart lenders are paying attention. On this episode of The MikedUp Show, hosts Michael Kelleher and Michael Zau are joined by Ben Fertig, President of Constructive Loans, to explore the rise of residential real estate investment products and what they mean for the future of lending.

Ben brings nearly three decades of experience across capital markets, credit, and lending leadership. Having helped scale multiple successful platforms—including Jordan Capital Finance and Finance of America Commercial—Ben knows exactly how the game is changing for loan officers, mortgage companies, and real estate investors alike.

✅ Why Residential Investment Loans Are Booming
Rental properties and fix-and-flip projects aren’t just niches—they’re a major force in today's housing market, creating steady demand even when rates rise.

✅ RTL, DCSR, and Bridge Loans—Made Simple
Ben explains why Residential Transition Loans (RTL) and Debt-Service Coverage Ratio (DSCR) loans are gaining popularity—and why they’re not just for big investors anymore.

✅ Diversification Is No Longer Optional
Learn how smart lenders are expanding beyond traditional purchase and refinance products to reach new customers and stabilize their pipelines.

✅ Lower Origination Costs, Higher Repeat Business
Investment borrowers often finance multiple properties, creating long-term, recurring opportunities for loan officers who build strong relationships.

✅ Fix and Flip Is Here to Stay
Ben shares how Constructive Loans helps lenders tap into the growing market for property rehab, bridge financing, and small-balance real estate investments.

✅ Culture Matters: Building With Trust
Ben also gives a behind-the-scenes look at Constructive Loans' employee-first culture, transparency, and why flexibility matters in today’s mortgage environment.

"The riches are in the niches. And today, residential real estate investors are one of the fastest-growing borrower segments in America."

Whether you're a loan officer, branch manager, or executive, this episode is a must-listen if you want to stay relevant and profitable in today’s evolving market.

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