SM Real Estate Consulting
SM Real Estate Consulting, LLC guides investors through acquisition and portfolio strategy, and provides private hard money loans for those who need to move faster than a bank allows.
Steven Munoz was raised in a real estate investing family, and developed an early understanding of personal finance, investing, and wealth building through property ownership. He went on to earn a Bachelor of Science in Business Administration, with an option in Finance, from California State University, Northridge.
Before founding SM Real Estate Consulting, Steven spent 19 years in financial services, helping hundreds of families with their banking, investment planning, retirement planning, and estate planning. That career spanned both client-facing and back-office roles — client service associate, internal wholesaler, licensed personal banker, and financial advisor — at five Fortune 500 institutions: Washington Mutual Bank, AIG SunAmerica, MetLife Financial, Chase Bank, and Citibank.
In November 2022, Steven took over as CEO of the Munoz family's real estate holdings. He now owns and operates a multi-million-dollar rental portfolio spanning apartment buildings, single-family homes, and commercial properties throughout Southern California.
Today, Steven draws on that planning discipline, his hands-on ownership experience, and his lifelong real estate background to advise investors on acquisition and portfolio strategy, and to structure private hard money loans for investors who need capital to move as fast as the opportunity does.
Most firms offer one or the other. SM Real Estate Consulting sits close to both — the advisory that shapes a decision, and the private lending that funds it.
Advisory for investors evaluating, holding, or exiting property positions.
Market analysis and underwriting support for investors evaluating a new property position.
Ongoing evaluation of existing holdings, identifying underperforming assets and repositioning opportunities.
Timing, pricing, and buyer strategy for investors exiting a position at the right point in the cycle.
Independent review of contracts, inspections, and financial projections before capital is committed.
Private, asset-based financing for investors who need to move on a timeline a bank can't match.
Short-term capital to acquire and renovate a property, sized to the deal rather than a standard loan program.
Fast, short-term funding to close on a new position while a prior asset is still in the process of selling.
Financing structured around a property's income, for investors building or refinancing a rental portfolio.
Draw-based funding for new builds, released in stages as construction milestones are completed.
Prefer to talk sooner? Book a call directly on Steven's calendar, or send a few details below and he'll follow up.
SM Real Estate Consulting works with a limited number of clients at any time in order to give each mandate direct, principal-level attention.
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