Based in Washington · Funding sources in 40 states
Experience You Can Take to The Bank.
30+ years in mortgage lendingInvestment property only
We help owners and investors get lending on non-owner-occupied and commercial real estate — multifamily, retail, office, mixed-use, industrial. One advisor, direct answers, and the file taken to the lenders who actually do this kind of loan.
The first two questions
These are the two questions every owner asks first, and they deserve a real answer rather than a number off a page. Here is how both are actually set.
Send the property and get a straight answerCommercial loans are not priced off a single published rate card. The rate is set against the deal itself — the property type and how it performs, occupancy and the rent roll, the loan amount and term.
It is also set against the borrower: credit history, liquidity, and experience with income property. Two owners can bring near-identical buildings and land in different places, and that is ordinary.
Quoted case by case
Maximum leverage works the same way. It comes down to the property — its type, condition, income and the market it sits in — and to your credit profile and track record.
A stabilized apartment building and a half-leased retail centre will not carry the same loan-to-value, even for the same owner on the same day.
Quoted case by case
We will not publish a rate or a loan-to-value on this page, because any figure broad enough to fit every building would be wrong for yours. Send us the property — the type, the address, the units and roughly what you need — and Harold will walk you through where you actually land on both, and what would move you.
Loan sizes
Smaller buildings are welcome here.
Plenty of lenders will not look at a smaller property. We will — and we will tell you plainly whether it works.
Where we work
You are not limited to your own state.
We are based in Washington and have funding sources in 40 states, so an owner holding a building in another market is not out of reach.
40
States with funding sources
Property types
Multifamily is the core of what we finance, and it is where a lot of owners start. If you hold retail, office, mixed-use, industrial or rental residential instead, that is very much our business too.
How it works
Commercial financing has a reputation for disappearing into a black hole. This is built the other way around: you always know what we have, what we need, and what happens next.
The address, the property type, the units or square footage, and roughly what you need. Send it from the form below in about two minutes — no phone call required, no documents yet.
Harold reads the file himself and comes back with the questions that actually decide the loan: rent roll, occupancy, lease terms, what you plan to do with the building.
Not a list of names to call yourself. The file goes to the lenders whose programs fit this property, this loan size and this timeline — and we handle the back-and-forth.
What is available, what it costs, and what the conditions are. You decide from there. If the deal is not a fit, we say so instead of wasting your time.
30+ years in mortgage lending
Last Place On Earth Lending Advisors is Harold Burton’s practice, based in Washington, with funding sources for property owners and investors in 40 states. Harold has spent more than 30 years in mortgage lending — long enough to know which lender genuinely wants your property type, loan size and timeline, and which one will waste six weeks of your time.
That experience is the whole advantage, and it is not abstract. It is knowing what a lender will ask before they ask it, which conditions are ordinary and which ones kill a deal, and how to present a building honestly so the answer comes back fast.
The person who reads your rent roll is the person who takes the file to the lender. No layers, no handoffs, no explaining the building twice to someone who has never seen it.
In their words
Most of the owners who call us were sent by someone who already trusted us with a building. These are three of them, in their own words.
Harold is very detailed and thorough in all aspects of business. He fully understands the importance of customer service while driving revenue and profit. He is self motivated and very driven. He truly embraces the entrepreneurial spirit that has made our country what it is today.
I have known Harold Burton for over 7 years. He is an excellent resource for mortgage loans and has extensive knowledge of real estate in the Seattle market. I would personally recommend Harold both in mortgages or any business endeavor. He is personable, highly efficient and well connected with a broad depth of experience that adds value to any partnership.
I am very happy and feel quite privileged to commend Harold for his handling of our recent and ongoing property renovations. He personally procured top notch workers and saw to it that work was handled appropriately and in a timely manner. Harold went beyond the call of duty to ensure that materials were of the highest quality, but were procured at the least possible cost, even if this required multiple trips to locate them. His work has been of inestimable value and my family and I are extremely grateful!
Referred by an owner you know? Say so when you send the property — it tells us a lot about what you are looking for.
Straight answers
Still unsure whether your property fits? Send it anyway. A short review costs you nothing and tells you more than a page of generalities.
Start here
Fill in as much as you know. Nothing here commits you to anything, and the details go to Harold and nowhere else — no lead brokers, no call list.
The form goes straight to Harold’s phone. Most inquiries get a reply the same business day.
Units or square footage, the current rent roll, and how soon you need the money.
Call or text. If it rings out, Harold is on another line — leave a message and you will get a call back.