Investor financing is all we do.
OneMoreDoor Capital, LLC arranges business-purpose financing for non-owner-occupied investment property.
We do not handle conventional home loans. We do not do FHA, VA, first-time homebuyer programs, or owner-occupied mortgages.
We work exclusively with real estate investors, and that focus is deliberate.
Investor financing is not the same business as consumer residential lending. The underwriting is different. The documentation and timelines are different. The questions an investor needs answered are different.
Too often, investment-property financing is treated like another product on a residential loan officer’s menu.
At OneMoreDoor, the entire business is built around the investor.
Built around the way investors actually operate
An investor evaluating a property is thinking about the deal.
- The purchase price.
- The rent.
- The cash flow.
- The leverage.
- The renovation plan.
- The exit.
- The timeline.
Our process starts there too.
We built OneMoreDoor specifically around business-purpose real estate financing so we can ask the questions that matter to these transactions from the beginning.
That means getting to the important numbers sooner, identifying potential problems earlier, and helping investors understand which financing options may fit the deal before time gets wasted.
The right questions early make the entire process more efficient.
We do not sell leads.
A lot of financing websites are lead-generation businesses first.
An investor enters a name, phone number, email address, and property information expecting to talk with someone about a loan. Instead, that information may be sold or distributed to multiple lenders, brokers, call centers, or other companies.
Then the calls start.
That is not how OneMoreDoor operates.
When you contact OneMoreDoor, you are contacting OneMoreDoor.
Our team works with you to understand the property and what you are trying to accomplish. As a broker, we may present your financing scenario to appropriate lending partners as necessary to arrange your loan.
But we do not operate a lead marketplace, and we do not sell your contact information to multiple companies as a lead.
There is a big difference between shopping a financing scenario on behalf of an investor and shopping the investor.
We do the first.
We built OneMoreDoor to run those systems ourselves.
OneMoreDoor grew out of more than two decades of work around mortgage technology, customer acquisition, lead generation, and conversion.
After years of building systems for companies in the mortgage industry, we wanted to put those ideas to work inside an operating finance business.
Not in a demo.
Not in a case study.
With real investors, real properties, real lending partners, real transactions, and real deadlines.
Operating the business gives us a different perspective because we experience the same friction our clients experience.
If something adds unnecessary work, we see it.
If investors repeatedly ask the same question, we hear it.
If a process can be simplified, automated, or explained better, we have a reason to fix it.
The goal is straightforward: build a financing experience around how real estate investors actually work.
What we hold ourselves to
Investor financing only
We arrange business-purpose financing secured by non-owner-occupied investment property. It is not a side product here. It is what we do.
Understand the deal first
We start with the property, the numbers, and the investor's plan. For many of the programs we arrange, property income, value, leverage, experience, liquidity, and the investment strategy can matter far more than they would in a traditional consumer mortgage process. Different programs have different requirements. Our job is to understand the scenario and identify the options that actually make sense.
Honest math, or no number at all
Rates and terms change. Properties are different. Borrowers are different. Loan programs have different guidelines. We would rather explain what we actually know, what still needs to be determined, and what could change than invent a number just to win a click.
Move with purpose
Speed matters in real estate investing. But speed does not come from saying "fast closing" on a website. It comes from asking the right questions, collecting the right information, communicating clearly, and identifying problems before they become last-minute surprises. That is how we move deals forward.
How we are regulated
Is OneMoreDoor a licensed mortgage lender?
No, and the loans we arrange do not require one. OneMoreDoor Capital is a business-purpose loan brokerage. Every loan we arrange is a business-purpose loan to a real estate investor, secured by investment property the borrower does not live in, and every one is funded by a licensed wholesale lender, so the licensure lives with the capital. We do not arrange consumer or owner-occupied mortgages. We work in states where arranging business-purpose loans requires no state license, and counsel reviews every state before we open it.
What kinds of loans do you arrange?
Business-purpose loans only: DSCR rental loans, cash-out refinances, fix-and-flip, bridge, and ground-up construction financing, all secured by non-owner-occupied investment property. No FHA, VA, conventional, or first-time homebuyer loans, and no loans on a home you or a family member will live in.
Where do you work?
In 28 states and the District of Columbia today. The full map, including the states where we do not work yet, is on our States We Serve page. The loan follows the property, so where you live does not matter; where the property sits does.
The people on your file
OneMoreDoor is led by siblings Andrew and Tamara Pawlak. Their backgrounds in technology, operations, and relationship development shape how the company works with investors and moves financing opportunities forward.
Tamara Pawlak
Business Development & Investor Relations
Tamara brings more than a decade of experience across operations, leadership, project management, and client-facing businesses. Before joining OneMoreDoor, she spent more than six years directing the business and operational side of a private nonprofit school.
At OneMoreDoor, she works with investors, referral partners, and lending relationships while helping financing opportunities move from the first conversation through closing.
Andrew Pawlak
Founder
Andrew has spent 20+ years building technology, customer-acquisition systems, and conversion infrastructure across the mortgage and real estate industries.
Since 2011, much of that work has been driven by a simple belief: when someone asks for help with financing, their information should begin a relationship with the company serving them, not become a lead sold repeatedly to whoever is willing to buy it.
OneMoreDoor is where Andrew gets to put those ideas to work inside the financing business itself, with a company focused exclusively on business-purpose real estate investors.
See where your deal stands.
Tell us about the property, the numbers, and what you are trying to accomplish.
We’ll help you understand the financing paths that may fit.
Run My NumbersStart in about 60 seconds. No tax returns, no W-2s.