JT Morel

Loan Officer

I started my real estate career in 2003 as a real estate agent and gradually started investing in multi-family properties in Albany and Troy, NY. I joined the US Army in 2008 and served for 11 years completing 3 tours to Iraq, Afghanistan, Jordan, and Kuwait. While serving and active duty I was still Investing in real estate through short sales, auctions, and wholesaling. As time progressed I partnered up with a construction company that specialized in flips. People always asked me if I could help them, walking them through the process, and I started to realize that there was a void in the industry for real estate investors. I noticed the need of actually walking fellow investors through flips. With that need and leveraging my experience I started partnering with other investors. This would walk investors through an actual flip as they make money known as “Learn and Earn”. As time passed I was brokering loans for myself and other investors and noticed another problem. I didn’t have control to give the best service possible in regards to financing these projects. Every lender is different; some deals I worked on would fall through or couldn’t qualify for one reason or another, until I joined Alpha Funding.

I’m not just a lender, I’m an investor first, and because of that I understand how frustrating the loan process is when trying to acquire funds and the stress and headaches it comes with.

We have the solution to provide the capital you need today in order for you to grow and continue investing in flips or long term rentals for tomorrow and beyond.

We have lending programs with approval requirements significantly lower than those of secured bank loans, which ultimately means that our funding programs are the fastest and easiest way to obtain the money you need.
And unlike traditional banks, we offer post-funding support in the form of strategic and financial consulting – free of charge.

Lending Programs

We strive to provide the most complete offering of loan programs in the private lending industry. We will stress-test your deals to ensure success on all of your projects using a common sense approach to our underwriting process.

Fix & Flip

Short-term loans to renovate and sell residential properties.

New Construction

Funding for developers to build residential new construction homes.


Competitive long-term financing for real estate investors on residential rental properties.

Commercial Bridge

Bridge loan to purchase and improve a commercial multifamily or mixed-use property.

Multi-Family Term

Long term financing on commercial multi-family and mixed use properties

Cash-Out Refinance

Loans to take out cash from equity built in an existing property owned already.

Apply Today!

Fix & Flip | New Construction

Whether you are renovating with a fix and flip or building new construction our short term bridge loan provides a first class experience for any investor. Our signature in-house process and team will provide you with the funds for construction and acquisition for your project. Our team will help stress-test and evaluate your deal based on risk and profitability.

Rental | Refinance | Cash Out

Build wealth and your portfolio of rental properties as an investor and landlord. Our rental program provides you with long term financing for your 1-4 family properties. Our in-house process from processing, underwriting, and funding provides a first class experience for investors. We custom tailor each loan based on your needs for each property.

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24 hours to provide you feedback and a rate quote on your deal.

Why Alpha Funding?

We take pride in being a true capital partner with our borrowers. Our focus has always been on building long-term relationships with all of our borrowers, referral partners, and vendors. We win when our borrowers win. Using creative, outside of the box, and critical thinking we will use our valuable resources and team to help take on any project.

Proven Track Record

Our incredible team brings invaluable knowledge, experience, and resources to help guide our new and seasoned investors by stress-testing and underwriting all deals for risk and profitability.

Right Program for the Right Market

Our relentless pursuit of providing the best financing options for all markets and investment strategies keeps in front of the market as it continues to evolve .

Commitment to Innovation

Having a commitment to bring the best technology, systems, and process to private lending for a smooth, easy, and consistent process.

"The Alpha Way"

Our promise of the very best in communication, customer service, guidance, and support through being honest, transparent, and direct.