Ernest Hernandez

About Ernest Hernandez

I offer funding solutions for real estate investors and business owners through private-money loans.I will cash flow all your deals while you start, expand your business, or build your real estate portfolio. Whether it’s for wholesale, rehab, or ground-up construction, I deliver fast and easy access to necessary financing. I am an equity-based lender, which means I care more about the property’s merits and don’t focus on bad credit, recent foreclosures, or bankruptcy.My specialties include commercial real estate, fix and flip, multi-family, residential, construction loans, business loans, and personal loans on a short and long-term basis.

Experience

1. Founding Partner & Principal Lender

   Windstar Lending

   Jan 2018 — Present

   Provide fast, flexible funding for real estate deals, business startups, and asset-backed financing across the U.S. and internationally.•Specialize in alternative lending for underserved sectors: mobile homes with land, transportation, oil & gas, and agriculture.•Built a lean underwriting model allowing deal approval and funding within 1–2 weeks with minimal documentation.•Successfully funded 100+ private loan deals ranging from $50K to $5M.•Maintain a 0% default rate due to rigorous borrower vetting and risk structuring.

Education

• New Mexico State University

  Bachelor's degree, Accounting and Business/Management

  1993 — 1997

• The University of New Mexico

  Master of Business Administration - MBA, Finance and Financial Management Services

  1999 — 2001