Based in Washington · Lending across 40 states
Financing for apartment buildings and the commercial property you hold as an investment.
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.
- 30+
- Years in mortgage lending
- 40
- States we lend in
- WA
- Based in Washington
- 100%
- Investment property
Property types
Apartment buildings first — then everything else commercial.
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
Four steps, and you never have to guess where it stands.
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.
- 01
Send the property
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.
- 02
We review it properly
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.
- 03
We take it to the right lenders
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.
- 04
You get a clear answer
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
Experience you can take to the bank.
Last Place On Earth Lending Advisors is Harold Burton’s practice, based in Washington and working with 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.
- 30+ years in mortgage lending
- Multifamily and apartment expertise
- Non-owner-occupied property only
- Refinance and maturing debt
Straight answers
The questions owners ask us first.
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
Send the property. Skip the phone call.
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.
Fastest way in
The form goes straight to Harold’s phone. Most inquiries get a reply the same business day.
What helps most
Units or square footage, the current rent roll, and how soon you need the money.
If you would rather talk
Call or text. If it rings out, Harold is on another line — leave a message and you will get a call back.