Aristides Soto

Aristides Soto is a bilingual Mortgage Loan Officer with Barrett Financial Group, LLC, helping homebuyers, homeowners, and real estate investors find financing strategies that fit their specific goals.

Based in Jacksonville, Florida, Aristides works with clients throughout Florida and other states where he is licensed, providing mortgage guidance in both English and Spanish.

Financing for Real Estate Investors

A significant part of Aristides' practice focuses on helping real estate investors evaluate financing for rental properties, Fix & Flip projects, and other investment opportunities.

His investor financing options include:

• DSCR Loans
• Hard Money Loans
• Fix & Flip Financing
• Bridge Loans
• Ground-Up Construction
• Investment Property Cash-Out Refinancing
• Bank Statement Loans
• 1099 Programs
• Foreign National Loans
• ITIN Loans
• Non-QM Financing

For investors using DSCR financing, Aristides can help evaluate scenarios where the property's rental income and cash flow are important components of qualification, rather than relying solely on the borrower's traditional personal income documentation.

For investors purchasing properties that need renovation, he can also evaluate Hard Money and Fix & Flip financing for acquisition and rehabilitation, as well as potential longer-term financing strategies once the project is completed.

This allows investors to discuss the entire financing strategy—from acquisition and renovation to rental stabilization, refinancing, or the next investment—instead of looking at each loan in isolation.

Financing for Homebuyers and Homeowners

Aristides also assists clients with traditional residential mortgage financing, including:

• Conventional Loans
• FHA Loans
• VA Loans
• USDA Loans
• Jumbo Loans
• Down Payment Assistance Programs
• HELOCs and Second Mortgages
• Renovation Financing
• Alternative Income Documentation Programs

As a mortgage broker with access to a broad network of lending options, Aristides can compare different programs and lending structures based on the borrower, property, and transaction.

Experience With Complex Mortgage Scenarios

Not every borrower fits neatly into a traditional mortgage box.

Aristides frequently works with self-employed borrowers, real estate investors, business owners, foreign nationals, ITIN borrowers, and clients whose income or financial profile may require alternative documentation.

His approach is to understand the complete scenario before recommending a financing strategy.

That means looking beyond the interest rate alone and considering factors such as cash required to close, loan structure, property cash flow, reserves, exit strategy, and the client's longer-term objectives.

Mortgage Guidance in English & Spanish

Aristides provides mortgage guidance in both English and Spanish and is particularly passionate about helping Spanish-speaking homebuyers and real estate investors understand their financing options clearly.

Whether you are purchasing your first home, adding another rental property to your portfolio, financing a Fix & Flip, or evaluating a DSCR refinance, the goal is the same:

Understand the numbers, understand the strategy, and make an informed decision before signing the loan.