Scott began his career in mortgage lending as a traditional mortgage broker, spending his first 16 years originating conventional home loans and closing hundreds of transactions.
Later, he spent six years as a bridge loan broker for one of the nation’s leading real estate education companies, building a team that funded approximately 1,000 fix-and-flip and rental property loans. It was during this period that USA Private Money was created.
When the 2020 shutdowns hit, the business was forced to pivot. Rather than rebuilding a large staff and office infrastructure, Scott decided to redesign USA Private Money as a boutique lifestyle lending business.
After years of dealing with the unpredictable nature of renovations and contractors, Scott adopted a much simpler strategy:
Only lend on properties with significant equity — typically around 50% LTV — and avoid renovation dependencies.
Our priorities are simple: First, the return of capital. Second, the return on capital.
USA Private Money is intentionally structured for flexibility, freedom, and quality relationships. It’s not about being the largest; it’s about being the most sustainable and effective for both the borrower and the investor.
Fast Underwriting – We can typically review a property and let you know quickly if the loan appears to be a good fit.
Fast Closings – Because our loans are equity-based, once title and documentation are complete, closings can often happen quickly.
Limited Documentation – In many cases we only need basic information such as property details, estate information, or business entity documentation.
Equity Based Underwriting – Our lending decisions focus primarily on the value of the property and available equity, rather than complicated bank lending.
No Personal Guarantee – Many of our loans are structured without requiring a personal guarantee when the property has strong equity.
Flexible Loan Scenarios – We look for creative solutions for scenarios that don’t fit traditional lending boxes. We look for ways to say yes.
