Archwest Capital Company Profile

Background

Archwest Capital, established in 2021 and headquartered in Irvine, California, is a direct private lender specializing in financing solutions for residential real estate investors. The company offers a comprehensive suite of loan products tailored to meet the diverse needs of investors, including ground-up construction, fix-and-flip projects, and long-term rental holdings.

Key Strategic Focus

Archwest Capital's strategic focus centers on providing fast, efficient, and flexible financing solutions to experienced real estate investors. The company emphasizes:

Speed and Efficiency: Streamlined documentation and approval processes enable quick closings, with term sheets provided within 24 hours and fundings as early as five business days.

Customized Loan Products: Offering a range of loan options, including:

Ground-Up Construction Loans: Terms of 12 to 24 months, loan amounts from $250K to $5M+, up to 90% Loan-to-Cost (LTC), and up to 70% Loan-to-After-Repair-Value (LTARV).

Fix & Flip Loans: Terms of 6 to 24 months, loan amounts from $150K to $5M+, up to 93.5% LTC, covering up to 90% of purchase and 100% of rehab costs.

DSCR Rental Loans: 30-year terms, loan amounts from $75K to $3.5M, up to 80% Loan-to-Value (LTV), and up to 75% LTV for cash-out refinances.

Rental Portfolio Loans: Terms of 5, 7, and 10 years, loan amounts from $350K to $50M+, up to 70% LTV, and no limit on property count.

Bridge Loans: Terms of 6 to 12 months, loan amounts from $150K to $5M+, up to 80% LTV, and up to 75% LTV for cash-out refinances.

Nationwide Reach: Serving real estate investors across the United States, providing capital solutions for both single-family and multifamily projects.

Financials and Funding

In October 2021, Archwest Capital announced a strategic minority investment by Aspida Holdings, LLC, an indirect subsidiary of Ares Management Corporation. This partnership includes a flow agreement, through which Archwest Capital provides Aspida with multifamily and mixed-use first mortgage assets to support Aspida's growth initiatives.

Technological Platform and Innovation

Archwest Capital leverages technology to enhance its lending processes, ensuring speed and efficiency. The company's tech stack includes:

Content Management System: WordPress

Infrastructure as a Service: Google Cloud

Platform as a Service: WP Engine

Search Engine Optimization: Yoast SEO

Security: reCAPTCHA

Tag Management: Google Tag Manager

These technologies contribute to a streamlined application process, efficient underwriting, and rapid funding for clients.

Leadership Team

Shawn Miller: Chief Executive Officer. Previously Managing Director at Redwood Trust and founder of 5 Arch Funding Corp., where he served as CEO before its acquisition by Redwood Trust.

Kieran Brady: Chief Financial Officer. Former CFO at X1, Newport Group, and Earnest, with two decades of investment banking experience, including roles at Barclays Capital and Lehman Brothers.

Gene Clark: Chief Legal Officer. Co-founder of 5 Arch Funding Corp., serving as Chief Legal Officer before its acquisition by Redwood Trust.

Timothy Gannaway: Chief Technology Officer. Former Senior Vice President at Redwood Trust and founder of 5 Arch Funding Corp., where he served as Chief Analytics Officer.

Tricia Mitchell: Chief Operating Officer. Previously Vice President of Legal at 5 Arch Funding Corp., with nearly a decade of experience working alongside Archwest’s founders.

Tuan Pham: Chief Marketing Officer. Over 23 years of experience leading marketing teams across fintech startups, publicly traded REITs, and Fortune 500 real estate firms.

Henry Frome: Executive Vice President, Corporate Development & Capital Markets. Formerly part of the Multifamily Equity team at Eastdil Secured, specializing in debt and equity structuring.

Kimberly DiFrancesco Correa: Senior Vice President, Construction. Previously led the construction team at Genesis Capital, managing high monthly volumes while ensuring seamless communication.

Kathy Perez: Senior Vice President, Closing. Over six years of experience building and leading closing teams for business-purpose loan lenders, with prior roles at First American and ServiceLink.

Competitor Profile

Market Insights and Dynamics

The private lending market for real estate investors is competitive, with numerous firms offering similar financing solutions. Key factors influencing the market include interest rates, housing demand, and economic cycles.

Competitor Analysis

Shannon Waltchack: A real estate investment firm focusing on commercial properties, offering investment opportunities and property management services.

Davidson Homes: A homebuilder and real estate developer specializing in residential properties across several states.

Weichert Realtors: A real estate brokerage firm providing services for buying, selling, and renting properties nationwide.

Strategic Collaborations and Partnerships

In addition to the strategic investment by Aspida Holdings, Archwest Capital partnered with inMotion Real Estate Media in July 2021 to enhance its digital marketing strategies. This collaboration aimed to implement SEO, content marketing, SEM, design, web development, and lead generation services to bolster Archwest's online presence.

Operational Insights

Archwest Capital differentiates itself through:

Speed and Certainty of Execution: Providing term sheets within 24 hours and closing loans as early as five business days.

Customized Financing Solutions: Offering a diverse range of loan products tailored to various investment strategies and property types.

Experienced Leadership: A team with extensive industry expertise, having managed over $8 billion in assets and originated more than $2.7 billion in business-purpose loans.