StarVox Capital

StarVox Capital Attention Investors: We do loans for investors so reach out...we can help you!

It is with great pleasure that we welcome Raymond Champagnie to StarVox Capital!!! We are thrilled to have you here! A l...
04/01/2026

It is with great pleasure that we welcome Raymond Champagnie to StarVox Capital!!! We are thrilled to have you here! A little about Raymond!

My name is Raymond Champagnie, and I’m a Commercial Lender with over 6 years of experience helping real estate investors and business owners secure strategic financing solutions. I specialize in structuring and closing a wide range of deals including Fix & Flip loans, Bridge financing, DSCR loans, Equity placements, and Mezzanine funding.

I’m 33 years old and a proud graduate of Bethune-Cookman University, where I earned my Bachelor’s degree. Throughout my career, I’ve successfully closed multiple transactions by focusing on speed, transparency, and tailored lending solutions that align with each client’s goals.

My mission is simple: provide efficient access to capital while building long-term relationships rooted in trust and results.

New Team Member Announcement! Welcome to the team, Christian Rivera! I believe that every loan tells a story. Whether it...
03/31/2026

New Team Member Announcement! Welcome to the team, Christian Rivera!

I believe that every loan tells a story. Whether it is a family finding their first home or an entrepreneur scaling a vision, the process is about more than just numbers. My journey in the mortgage industry began in residential lending, where I learned that the most important part of any transaction is the person behind it. That experience taught me the value of clear communication and the importance of doing things right the first time to save my clients from unnecessary stress.

Today, I have transitioned that hands-on, consultative approach into the commercial lending space. I am here to help business owners and investors navigate the complexities of commercial financing with a steady hand and a straightforward perspective. My goal is to move past the corporate jargon and focus on what actually matters: building a solid financial foundation for your next big project.

03/31/2026

🔥 Recently Funded 🔥

Another strong ex*****on…

Just closed a $6.6M cash-out refinance on a 64,381 SF grocery-anchored retail center in Charlotte, NC.

Our client — an experienced investor — needed to recapitalize and pull equity from the asset while keeping strong terms in place. We stepped in, sourced the right lender, and delivered:

✅ 20 bps LOWER rate than competing quotes
✅ ~50% lower closing costs
✅ Executed at the leverage the client needed

Deal Highlights:
• 6.6% Rate
• 5 Years Interest Only
• Non-Recourse

This is exactly where we win — structuring deals, creating lender competition, and delivering better outcomes than what’s already on the table.

💼 If you’re active in commercial real estate and want to see what we can do on your next deal…

👉 Give us a shot. You might be surprised what we can improve.

03/24/2026

𝗡𝗼𝘁 𝗮𝗹𝗹 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗹𝗼𝗮𝗻𝘀 𝗮𝗿𝗲 𝗰𝗿𝗲𝗮𝘁𝗲𝗱 𝗲𝗾𝘂𝗮𝗹.

If you’re looking for a term loan that is:

☑️ Affordable
☑️ Fixed-rate
☑️ Long-term
☑️ Low documentation
☑️ Fast closing
🚫 NOT SBA financing

This is worth a look 👇

𝗧𝗲𝗿𝗺 𝗟𝗼𝗮𝗻 𝗛𝗶𝗴𝗵𝗹𝗶𝗴𝗵𝘁𝘀:
• Fixed rates starting at 8.77% APR*
• Terms up to 12 years
• Loan amounts up to $500K
• Funding in as fast as 3 days

𝗨𝘀𝗲 𝗢𝗳 𝗙𝘂𝗻𝗱𝘀:
• Working capital
• Equipment or inventory purchases
• Debt consolidation
• Business expansion

𝗧𝘆𝗽𝗶𝗰𝗮𝗹 𝗤𝘂𝗮𝗹𝗶𝗳𝗶𝗰𝗮𝘁𝗶𝗼𝗻𝘀:
• 660+ credit score
• $20K+ monthly revenue
• 2+ years in business
• Basic docs (bank statements, tax returns, etc.)

Speed matters. Structure matters. Access to the right capital matters.

If you’re looking to strengthen your business or take the next step, let’s connect and see what options are available.

Message me directly or drop a comment...happy to walk through it with you.

03/23/2026

𝗪𝗵𝗮𝘁 𝗶𝘀 𝗗𝗦𝗖𝗥… 𝗮𝗻𝗱 𝘄𝗵𝘆 𝗱𝗼𝗲𝘀 𝗶𝘁 𝗺𝗮𝘁𝘁𝗲r? 💼

DSCR (Debt Service Coverage Ratio) is one of the most important metrics in investment real estate lending.

In simple terms:

👉 It measures how much income a property generates vs. its debt payments.

𝗙𝗼𝗿𝗺𝘂𝗹𝗮:
NOI ÷ Debt Service = DSCR

Most lenders want to see:

✔️ 1.20x – 1.30x DSCR
Meaning the property generates 20–30% more income than the mortgage payment.

That’s their “comfort zone.”

But here’s where it gets interesting…

Not all lenders play by the same rules.

At StarVox Capital, we have access to programs that will:

✔️ Go below 1.0x DSCR
✔️ In some cases… even fund negative cash flow deals

Yes, deals where the income doesn’t fully cover the debt.

Why does that matter?

Because it opens the door for:

• Value-add opportunities
• Stabilization plays
• Short-term holds with long-term upside

𝗧𝗵𝗲 𝗸𝗲𝘆 𝗶𝘀𝗻’𝘁 𝗷𝘂𝘀𝘁 𝘁𝗵𝗲 𝗱𝗲𝗮𝗹… 𝗶𝘁’𝘀 𝗸𝗻𝗼𝘄𝗶𝗻𝗴 𝘄𝗵𝗶𝗰𝗵 𝗹𝗲𝗻𝗱𝗲𝗿 𝗳𝗶𝘁𝘀 𝗶𝘁.

If you’re working on a deal that doesn’t “fit the box,” don’t assume it’s dead.

📩 Message me & we’ll structure it the right way.

03/20/2026

𝗥𝗘𝗖𝗘𝗡𝗧𝗟𝗬 𝗙𝗨𝗡𝗗𝗘𝗗 💼

$4.75M refinance on a medical office property in Tampa, FL.

Medical office continues to prove itself as one of the more stable asset classes in today’s market — but strong ex*****on still comes down to structure, strategy, and aligning with the right lending partner.

This deal was built to provide long-term stability while optimizing the borrower’s position.

𝗞𝗲𝘆 𝗧𝗲𝗿𝗺𝘀:
• 6.00% Rate
• 50% LTV
• 5-Year Fixed
• 5-Year Maturity
• 25-Year Amortization

In this environment, it’s not just about getting a loan approved, it’s about structuring it correctly from day one to avoid friction, delays, and missed opportunities.

If you’ve got a deal you’re working through right now, let’s take a look at it together.

📩 Message me directly or drop a comment, happy to help you get it across the finish line.

03/19/2026

**What Is Considered a Commercial Property? 🏢**

There’s a lot of confusion around this—so let’s break it down simply:

👉 **Commercial Real Estate (CRE)** generally includes *any property with 5+ residential units OR non-residential use.*

**Examples of Commercial Properties:**

• 🏢 Office Buildings
• 🛍️ Retail Centers / Shopping Plazas
• 🏭 Industrial / Warehouse Space
• 🏨 Hotels & Hospitality
• 🏬 Mixed-Use Buildings
• 🏘️ **Multifamily (5+ Units)**

⚠️ **Important:**
Even if a property is purely residential—once it hits **5+ units**, it’s considered *commercial* and requires a **commercial loan**, not residential financing.

On the flip side:

👉 In everyday conversation, people often think of “commercial” as *non-residential* (office, retail, industrial)… but in lending, **multifamily 5+ is a major part of the commercial space.**

---

💡 **Why This Matters**

Commercial loans are structured differently:

✔️ Based on property income (not just borrower income)
✔️ More flexible structures
✔️ Scalable for investors
✔️ Ideal for building long-term wealth

---

💰 **Need a Commercial Loan?**

Whether it’s:

• Multifamily
• Mixed-use
• Investment property
• Business or CRE acquisition

👉 **We’ve got you covered.**

Let’s structure it right the first time.

📩 Message me or reach out directly to run your deal.

Welcome to the StarVox Capital team, Paul! We are looking forward to helping you close commercial real estate loans. In ...
03/17/2026

Welcome to the StarVox Capital team, Paul! We are looking forward to helping you close commercial real estate loans. In the fast-paced world of real estate investing, having reliable financing options can make all the difference. At StarVox Capital, we understand that traditional models often fall short in delivering the kind of cash flow and support that loan officers need to truly excel. Our innovative Loan Officer model not only simplifies the funding process but also provides financial incentives for referring other loan officers.

Paul Anderson is the Founder of Vertical Funding Capital, a nationwide leader in commercial lending solutions. With a deep understanding of the financial landscape and a vast network of capital sources—including Fannie Mae, Freddie Mac, FHA/HUD, SBA, life companies, banks, bridge lenders, and CMBS providers—Paul specializes in structuring customized loan strategies that align with each client's unique goals.

03/17/2026

Small multifamily acquisitions continue to move when deals are structured correctly and matched with the right lender. This transaction supported the buyer’s acquisition while maintaining strong long-term financing stability.

Delivered by one of our team members:

• 6.55% Rate
• 70% LTV
• 3 Years Fixed | 3 Year Maturity | 25 Year Amortized

Property Details:
3,546 Sq. Ft. | 7 Units
Garden Apartment Building
Phoenix, Arizona

If you're working on a multifamily acquisition or refinance, let’s connect.

03/17/2026

Office refinances today require careful structuring, strong lender alignment, and disciplined underwriting. This transaction helped the borrower secure long-term stability while positioning the asset for continued performance.

Delivered by one of our team members!

• 5.95% Rate
• 27% LTV
• 5 Years Fixed | 5 Year Maturity | 25 Year Amortized

Property Details:
Single Unit | 18,000 Sq. Ft.
Single Tenant Office
Fresno, California

Have an office loan coming due or exploring refinance options? Let’s connect!

03/04/2026

We’re expanding nationwide.

Senior Loan Officers, Investor & CRE Finance

Northeastern US & Nationwide (Major Markets)

StarVox Capital is growing our Loan Officer platform for experienced producers focused on real estate investors, commercial real estate, and business lending.

This is not a retail mortgage role.

You’ll originate DSCR, bridge, fix & flip, construction, CRE, and business capital, supported by a full ex*****on team handling pricing, processing, and closing.

What You Get
• Compensation with a defined cap
• 100% commissions after cap
• Private & investor lending platform
• Business lending + merchant services income streams
• Full back-office support so you can focus on production

Best fit for:
Investor-focused, self-sourced loan officers who want autonomy and real upside.

Know someone? Refer them to me and we will pay you!!!

03/03/2026

What can we do you ask? Close on Commercial.

𝗥𝗲𝗰𝗲𝗻𝘁𝗹𝘆 𝗙𝘂𝗻𝗱𝗲𝗱! Closed a $6.6M cash-out refinance on a 64,381 SF grocery anchored retail shopping center in Charlotte, NC.

Our client, a successful real estate investor, was seeking the most competitive terms for a cash-out refinance to recapitalize from the investments made into the property. We were able to source and close the loan at the desired leverage with 20 bps lower rate and half the cost compared with other lenders the investor had received quotes. We are grateful for the opportunity and excited to be moving forward on the next financing already in process with this client.

-𝟲.𝟲% 𝗥𝗮𝘁𝗲
-𝟱 𝗬𝗲𝗮𝗿𝘀 𝗜𝗻𝘁𝗲𝗿𝗲𝘀𝘁 𝗢𝗻𝗹𝘆
-𝗡𝗼𝗻-𝗥𝗲𝗰𝗼𝘂𝗿𝘀𝗲

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11 Dale Street
West Hartford, CT
06107

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