Business Details
18 Years
experience
Your Trusted Partner for Private Real Estate Lending Solutions
Bay Mountain Capital has been a trusted private real estate lender since 2008, providing commercial and residential loans to investors across the Sunbelt region. Our team combines over 100 years of collective real estate experience with a streamlined approach to lending, prioritizing integrity, transparency, and client partnerships. We specialize in fast funding, flexible financing solutions, and a commitment to client success through a simplified application process and objective underwriting. Our core values of respect, improvement, and excellence guide every transaction, ensuring borrowers receive tailored financial solutions. As direct private lenders, we leverage our expertise in real estate credit opportunities to deliver efficient loan servicing and strategic investment options.Our intelligent approach includes third-party evaluations, quick closing timelines, and ongoing support for both borrowers and investors. We serve real estate entrepreneurs needing high-leverage, short-term bridge loans while maintaining a focus on risk-adjusted returns for accredited investors. Our team's dedication to innovation and client-centric service has enabled us to close over 2,500 loans totaling $600 million. We operate with full transparency, offering quarterly reporting and annual audits through third-party administrators. Our long-term relationships with borrowers and investors are built on a foundation of trust, accountability, and proven results in the private lending space.
Services
Private Money Lending
Commercial Loans
Residential Loans
Mortgage Brokering
Investment Funds
Details
- Year established: 2008
Highlights and features
- We offer 100+ years of combined real estate lending experience
- Our streamlined process delivers fast funding for time-sensitive opportunities
- We provide customized financing solutions for unique real estate projects
- Our team maintains a 10-13% annualized return track record for investors
- We operate with full transparency through third-party audits and reporting
What people say
Solid performance
Proven results
Personalized reporting
Risk/reward balance
Professional team
Services
Private Money Lending
Our private money lending solutions provide fast, flexible financing for real estate investors. We specialize in short-term bridge loans with high leverage and rapid execution. Our direct lending approach enables customized terms and quick decision-making for commercial and residential projects across the Sunbelt region.
Commercial Loans
We offer tailored commercial loan solutions for real estate entrepreneurs seeking investment opportunities. Our streamlined underwriting process focuses on property value and exit strategy rather than traditional credit metrics. This approach enables faster approvals and flexible terms for commercial property acquisitions and developments.
Residential Loans
Our residential lending program caters to investors in single-family and multi-family housing markets. We provide non-conventional financing options with simplified documentation requirements. Our focus on investor needs allows for creative structuring of loan terms while maintaining appropriate risk parameters through conservative loan-to-value ratios.
Investment Funds
Bay Mountain Fund I offers accredited investors access to a diversified portfolio of real estate loans. This pooled investment vehicle provides consistent returns through a disciplined underwriting process and active loan management. Investors benefit from professional administration, quarterly distributions, and transparent reporting through a secure online portal.
Loan Servicing
We provide comprehensive loan servicing for our originated mortgages through an affiliated servicing platform. This includes payment processing, escrow management, and proactive borrower communication. Our integrated approach ensures consistent service quality and enables prompt resolution of any issues that may arise during the loan term.
People
Dean Lontos
Principal, Founder
With extensive real estate experience, Dean Lontos founded Bay Mountain Capital to provide innovative private lending solutions. He oversees asset management and strategic direction, leveraging his deep industry knowledge to maintain the company's commitment to excellence and client-focused service.
Jovana Dimas
Manager, Asset Management
Jovana Dimas brings significant expertise to Bay Mountain Capital's asset management operations. She plays a key role in financial analysis and portfolio management, ensuring the company maintains its high standards of transparency and accountability in all lending activities.
Georgia Butta
Associate, Loan Servicing
Georgia Butta supports Bay Mountain Capital's loan servicing operations with her accounting expertise. She contributes to the company's efficient processing of loan transactions and maintenance of accurate financial records, helping ensure smooth borrower experiences.
Questions
What types of loans does Bay Mountain Capital offer?
We specialize in private money loans for commercial and residential real estate investments across the Sunbelt region.
How quickly can I get funded through Bay Mountain Capital?
Our streamlined process typically enables fast funding, with quick underwriting and closing timelines for time-sensitive opportunities.
What investment options are available through your fund?
Bay Mountain Fund I offers accredited investors access to a diversified portfolio of small-balance real estate loans with target returns of 10-13% annually.
What are the minimum investment requirements?
The minimum investment for Bay Mountain Fund I is $100,000 per unique investor.
How does Bay Mountain Capital ensure loan quality?
We maintain a 65-75% loan-to-value ratio, use third-party administrators, and conduct annual CPA audits for transparency and risk management.
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Reviews (5)
Richard Gonzalez
Feb 05, 2021
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My experience with this company was very bad was treated very unfairly, they will act like they doing you a favor doing business with you very 2 face people. If you looking for hard money look somewhere else.
Desiree Venezia
Dec 08, 2020
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Awesome company to do business with for my latest fix and flip project. They truly want to see you do well with your fix and flip, I highly recommend borrowing from Bay Mountain Capital.
Meredith McBee
Jun 08, 2020
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Bay Mountain Capital's communication was top of the line throughout my experience working with them. They treated our relationship as a partnership and respected my thought process throughout. I would recommend working with BMC.
Business Network Consulting Bnc
Feb 02, 2020
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We have been working with Bay Mountain Capital for over a year. You'd be hard pressed to find a group of individuals who work harder than those at Bay Mountain. We highly recommend working with them!
Don Turner
Sep 17, 2018
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Bay Mountain Capital was easy to work with, responded quickly to all questions and concerns, and funded in about two weeks from initial inquiry. I will definitely use them again in the future.
