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Free Guide

The No-License Loophole

One closed deal can pay you $10,000+. This free guide shows how I went from bankruptcy to brokering business-purpose loans to real estate investors: $50K in my first 6 months, before I'd filed an LLC or built a website. No NMLS license. No startup money.

$50Kfirst 6 months
$50K/moconsistent today
72 hrsfastest close
ONE CLOSED DEAL CHANGES EVERYTHING.
Sign up for The Loophole Masterclass this Friday, 7:00 PM Central, live on Zoom ($97): watch me take a real deal from lead to a $12,875 check. Grab the free guide first; your seat link is on the next page.
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Proof

Nearly $10M funded this year. $25.7M in the pipeline.

Pathways dashboard: 29 active loans, $25,711,080 pipeline volume
My live pipeline in Pathways, the system we run Low Barrier Lending on.
Funded: 21 loans, $6,059,400
21 funded loans in Pathways, which launched this year, so it doesn't show my full track record. Borrower details blurred.
Redacted settlement statement: $12,875 paid to Low Barrier Holdings
The receipts: $11,880 broker compensation + $995 processing fee = $12,875 to Low Barrier Holdings on one $396,000 loan. Private details blurred.
Inside the guide

What's inside

1What business-purpose loans arePrivate, non-government money for investors, and why brokering it doesn't require an NMLS license.
2The loan products investors needDSCR, fix & flip, bridge, ground-up construction and small-balance commercial, in plain English.
3How much one deal paysOrigination points, lender comp and a real $12,875 broker check from one loan.
4The 7 steps from zero to fundedThe exact path from where you are now to your first broker check.
Who's teaching

I know what it feels like to need money right now.

I started as a first-time real estate investor: three rentals my first year, then flips. In 2024 the market shifted. Three flips sat on the market, the rehabs ran over budget, rates went up, and Houston became a buyer's market overnight. With six mortgages, holding costs and a child to take care of, I filed bankruptcy to try to save my properties.

"I've been the investor who needs the money."

After a year of struggling, I remembered business-purpose lending from my years in commercial loan operations. No license, no money needed to start. In my first six months, I made $50K.

This year Low Barrier Lending has funded nearly $10 million in loans. It takes work, but you don't need money to start, and one closed deal can change everything. This guide is where it begins.

— Jaelen Churchill, Founder & CEO, Low Barrier Lending

One closed deal changes everything.

One loan paid Low Barrier Holdings $12,875 at closing. Imagine that in 72 hours, once you understand the framework and the process. Get the free guide, then sign up for The Loophole Masterclass this Friday.

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STEP 2 · LIVE ON ZOOM

The Loophole Masterclass

This Friday · 7:00 PM Central · 2 hours · $97

The guide shows you the loophole. The Masterclass walks you through every step to use it: deal math, lender and underwriter guidelines, finding borrowers and closing, on real deals. One closed deal changes everything: it can pay a broker more than $10,000, and my fastest close took 72 hours.

Reserve my seat · $97 →

  1. Reserve your Masterclass seat above. You'll get the Zoom link right after checkout.
  2. Move my email to your primary inbox so you don't miss anything.
  3. Follow @jaefundsandflips on Threads. I break down real deals there.
  4. Waitlisted? You'll get first access and founding pricing before the 2027 cohort opens publicly.

Have an investor deal that needs funding right now? Apply with Low Barrier Lending →