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Step inside this week’s Off Market Mindset as host Michael Riordan chops it up with Jose Cortes—Air-Force-vet-turned-investor, transactional lender, and DSCR broker with a bullpen of 22 lending partners at his fingertips. Jose has bought, flipped, and held property in multiple states, and he’s currently juggling deals as varied as a 33-room mountain lodge in Colorado and a 16-unit multifamily—all while pioneering co-living projects that deliver both affordable housing and solid returns.
What you’ll hear in this episode 🛠️
Jose’s origin story
From wholesale hustles in 2016 to a portfolio of single-family, multifamily, short-, mid-, and long-term rentals—and why a 22-year military career hard-wired him to solve problems, not complain about them.
Transactional funding & gap money decoded
How earnest-money, double-close, and “stack” methods differ, why gap funding plugs the holes hard-money lenders leave, and the real-world costs Jose charges (spoiler: situational, not predatory).
DSCR loans without the drama
Jose’s playbook for pairing investors—yes, even those with bruised credit—with bespoke DSCR products, including a 90 % seller-carry program that keeps cash in your pocket.
Creative finance, VA entitlements, and seller carrybacks
Structuring sub-2 and seller-finance offers that let sellers breathe, preserve credit, and sometimes keep their house—plus a myth-busting breakdown of multiple VA loan entitlements.
Boots on the ground beats burnout
Lessons learned from long-distance rentals, the property-management nightmares that pushed Jose to buy closer to trusted partners, and how he now vets PMs like a pro.
Networking that pays rent
Why Jose vowed to hit every meetup he could find in 2024, the power of Pace Morby’s SubTo, Gator, and Owner’s Club communities, and a simple mindset shift that turned strangers into a 12 k-strong private-money Rolodex.
Why hit play?
You’ll pick up creative deal structures you can actually copy.
You’ll learn how to raise or place capital without begging the bank.
You’ll hear unfiltered war stories—late rents, eviction headaches, and the exact fixes that worked.
You’ll leave with a blueprint for building a network so strong it funds itself.
Enjoying the show? Smash that subscribe button!
✉️ Follow Jose
Facebook: https://www.facebook.com/corty73
Instagram: https://www.instagram.com/josepurposeoverprofits/
YouTube: https://www.youtube.com/@josepurposeoverprofit
✉️ Follow Me
YouTube: / @peerlesspropertysolutions
Instagram: / peerlesspropertysolutions
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TikTok: / michael.riordan8
LinkedIn: / michael-riordan-9270a675
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