Private Lending, Development, and Smart Growth with Thomas McPherson

Thomas McPherson learned in the military to plan for things going wrong before they go wrong. He has carried that mindset into private real estate lending, where he focuses on speed, careful lending, and alignment with investors.

Expanded Description

Thomas started his professional career as a Navy Corpsman stationed with the Marine Corps. After leaving the military, he moved to Phoenix in 2009 and entered commercial real estate during a chaotic market.

He worked with short sales, trustee sales, REOs, and distressed loans before moving deeper into loan origination.

Today, his company provides short term private loans, mainly for flippers, ground up construction, and bridge financing in Arizona. Thomas explains why some real estate entrepreneurs choose private lenders over banks, including faster closings and a lending approach that can account for the way real estate tax deductions affect a borrower on paper.

He also shares how his military experience shaped his views on planning and investor protection. Thomas says his company has subordinated its own investment to its clients, meaning investors get paid before the company does.

Key Topics and Takeaways

• Why Thomas likes the predictability of lending secured by real estate
• How distressed debt in Phoenix helped shape his career
• Why his business is roughly 60% flippers, 30% construction, and 10% bridge financing
• Why Thomas generally looks for borrowers to put 20% to 30% down
• How his team can sometimes close loans in three days or less
• Why military planning and redundancy influence his approach to risk
• How more than $4.5 million of company invested capital sits ahead of investors when absorbing potential losses

Guest Information

Thomas McPherson is a private lender based in Arizona. His company works with flippers, builders, and borrowers who need short term bridge financing.

Guest website: Lukeroom website as stated in the interview

Call to Action

To learn more about Thomas and his company, visit the website he shared during the interview:

Lukeroom website as stated in the interview