Aristides Soto

Meet Aristides Soto | Jacksonville Mortgage Loan Officer

I'm Aristides Soto, a bilingual Mortgage Loan Officer with Barrett Financial Group, LLC (NMLS #2178368), based in Jacksonville, Florida.

I help homebuyers and real estate investors explore mortgage financing solutions that align with their financial circumstances, property goals, and investment strategies.

Through my personal brand, Préstamos con Soto, I provide mortgage guidance in English and Spanish, helping clients understand their options before making important financial decisions.

My approach is simple: Financing should start with understanding your goals, not just choosing a loan program.

Mortgage Financing for Real Estate Investors

I work with real estate investors seeking financing for rental properties, property renovations, and investment acquisitions.

My primary areas of focus include:

DSCR Loans | Investment Property Financing

DSCR (Debt Service Coverage Ratio) loans are designed for real estate investors and generally evaluate a property's rental income relative to its debt obligations.

Depending on the program, investors may qualify using property cash flow rather than traditional personal employment income.

I help investors explore DSCR financing for rental property purchases, refinances, and cash-out transactions.

Hard Money Loans | Bridge Financing

Hard Money loans can provide short-term financing solutions for real estate investors purchasing or renovating properties.

These programs may consider property value, project scope, investor experience, and the planned exit strategy.

I work with investors evaluating acquisition financing, rehabilitation projects, bridge loans, and other real estate investment opportunities.

Fix & Flip Financing

For investors purchasing properties to renovate and resell, I help evaluate Fix & Flip financing options based on acquisition costs, renovation budgets, projected property values, and the overall investment strategy.

I also help investors explore financing transitions, including Hard Money to DSCR refinancing, when the investment strategy involves renovating and retaining a property as a rental.

Mortgage Solutions for Homebuyers and Self-Employed Borrowers

In addition to investment property financing, I assist clients exploring a variety of residential mortgage programs, including:

• Conventional, FHA, VA, and USDA loans
• Jumbo mortgage financing
• Bank Statement and Non-QM loans
• ITIN and Foreign National mortgage options
• Down Payment Assistance programs
• Home Equity Lines of Credit (HELOCs)
• Mortgage refinancing options

Program availability, eligibility, and financing terms depend on applicable lender guidelines and borrower qualifications.

Bilingual Mortgage Guidance | English & Español

Buying a home or financing an investment property involves important decisions. Understanding the process in your preferred language can make those decisions clearer.

Hablo español.

Como prestamista hipotecario en Jacksonville, Florida, ayudo a compradores de vivienda e inversionistas inmobiliarios a explorar opciones de financiamiento, incluyendo préstamos DSCR, Hard Money, Fix & Flip y programas hipotecarios para trabajadores independientes y extranjeros.

Mi objetivo es que comprendas tus opciones, los costos y los riesgos antes de tomar una decisión.

Why Work With Aristides Soto?

As a Mortgage Loan Officer working with a mortgage brokerage, I have access to multiple lending options rather than relying on a single bank's product offerings.

I focus on:

• Personalized guidance: Understanding the borrower's goals and circumstances.
• Investment-focused financing: Evaluating loan structures for different real estate strategies.
• Bilingual communication: Providing mortgage guidance in English and Spanish.
• Multiple lending options: Exploring programs that may accommodate different borrower and property profiles.
• Clear explanations: Helping clients understand financing terms, requirements, and potential risks.

Connect With Aristides Soto

Whether you're purchasing your first home, expanding a rental property portfolio, evaluating a Fix & Flip project, or exploring mortgage options as a self-employed borrower, I'm available to discuss potential financing solutions.

Aristides Soto

Mortgage Loan Officer | Barrett Financial Group, LLC

NMLS #2178368

Jacksonville, Florida | English & Español

Website: https://prestamosconsoto.com

Instagram: @prestamosconsoto

All financing is subject to applicable program requirements, underwriting guidelines, and approval. Not all programs are available for every borrower or property.