LAUNCH OF DEBERNARDO COMMERCIAL

It has been a dream of mine for years to officially add a commercial division to my real estate firm, and I am proud to announce the launch of DeBernardo Commercial. My business partner, Trent Davis, has been working on this project for years and will serve as President of our new division. Check out our video!

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Why Debernardo Commercial?

The DeBernardo family has been developing, selling, and investing in residential and commercial real estate in Santa Cruz County for 50 years. As the leading locally based and boutique commercial brokerage, our decades of deep market knowledge can guide you through the advantages of investing in commercial, 2-4 unit multifamily, and vacation properties around the county. We have the experience and the latest technology tools to analyze the value and cash flow of any commercial or income property. We can refer you to our trusted local network of property management companies.

Unlike other brokerage firms that list as many properties as possible, we take a different approach. We are highly selective about the commercial investors and the properties that represent.

Mobile: (831) 345-2092
Email: trent@debernardoteam.com



Private Client Lending Solutions:

PCMA is on a mission to provide private-capital market liquidity for the Mass-Affluent and High-Net-Worth, who have been shut out of the credit markets due to over regulation and crisis legislation.
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PCMA Client Lending Solutions meet the needs of accomplished professionals with sophisticated situations; making common sense driven underwriting decisions centered on a borrower’s ability-to-repay.

As California’s Top Non-Bank Private Client Lender, we are ready to serve the needs of:

  • High Income Executives: Executives / Professional Athletes / Entertainers
  • Business Owners: Shareholders / LLC Members / Enterprise Contract
  • Asset Rich: Retirees /Trust Fund / Foreign Nationals
  • Investor: Residential / Commercial

We Have the Three Products Available to Our Best Clients

Omega: Primary/Second Home Mortgage

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  • When your estate comes with a high price tag look no further than the OMEGA program. Built to accommodate the needs of the high-net-worth in the purchase or refinance of primary residential and second home residences.
  • Purchase or Refinance
  • Loan Amounts to $7,000,000
  • 30 Year Amortization
  • 30 I 40 Year Fixed Duration options
  • 10 Year Interest Only Option – No rate or pricing adjustments
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  • No Tax Return Required – Ability to Repay calculated off stability of cash flows
  • 12 Months Bank Statement – Blended Cash Flow Ok
  • Asset Utilization – 36 I 84 Month Options
  • Rate & Term Classification – Payoff of Tradeline, Lien or IRS Installment Plan
  • Cash Out to LTV Limitations – No rate or pricing adjustments
  • PCMA understands the needs of complex and sophisticated estates. Born out of our proprietary private client credit portfolio, OMEGA is a unique blend of Private Client Flexibility and Concierge Services delivering a bespoke lending experience for our aspirational clientele.

Zenith: Residential Investment (1-4 Units)

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  • Building the wealth effect one rentable door at a time. ZENITH is a true investor product with rates closer to prime than hard money. Built to accommodate the needs of the high-net-worth in the purchase or refinance of residential investments (1-4 units).
  • TAILOR MADE FOR PERSONAL AND PROFESSIONAL INVESTORS
  • Loan Amounts up to $3.5 Million+
  • 75% Purchase I 70% Cash Out
  • Starting at 3.99%
  • 30 Year Fixed Rate
  • 10 Year Interest Only
  • 10+ Properties, LLC Ownership, Professional Investors
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  • No Limit on Financed Properties
  • Non-Warrantable Condos
  • Credit and Housing Events – 36 Months
  • Business Purpose Loans – Non TRID
  • Title can be held in qualified trust or entity
  • INVESTOR: RESIDENTIAL (1-4 UNITS)
  • Real estate has been one of the best ways to accumulate wealth and leverage is one of the greatest advantages used by real estate investors. ZENITH supports their risk-taking spirit by providing liquidity and credit options based on a simple, innovative business purpose and the quality of residential asset(s).
  • NINA – No Income No Asset
  • DSCR – Qualifies Off the Cash-Flow of the Subject Property
  • No Tax Returns
  • Permanent I Non-Permanent Resident Alien

Ulysse: Primary, Vacation, and Investment Properties

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  • ULYSSE is a modern approach to asset-based lending, giving clients the speed and flexibility of opportunity capital using the value of securities held for investment without the need to collateralize or pledge.
  • Loan Amounts to $7,000,000
  • Base Rate: 3.625%
  • 30|40 Year Amortization
  • 10 Year Interest Only
  • No Income Testing – Asset Utilization without the need to pledge
  • Cash Out to LTV Limitations – up to $2,000,000 cash out
  • PCMA understands the needs of complex and sophisticated estates. Born out of our proprietary private client credit portfolio, OMEGA is a unique blend of Private Client Flexibility and Concierge Services delivering a bespoke lending experience for our aspirational clientele.

Work With Us

The DeBernardo Team is committed to providing full-service, white-glove treatment to these sophisticated and exacting clients. Our commitment is to remain a small, highly specialized team that has the resources to serve our exclusive clients’ needs.