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About Us
Nick Lambrinatos, Partner
Throughout his career, Nicholas has observed a significant gap in the traditional lending market: while residential mortgage guidelines cater well to primary and secondary home buyers, they often fall short for real estate investors. Recognizing this challenge, he saw an opportunity to address the specific needs of investors who seek financing for commercial properties, quick capital, and creative solutions for buying and selling investment properties.
This insight led Nicholas to establish Windy City Funding, a boutique firm dedicated to providing tailored financial solutions where conventional lenders fall short. At Windy City Funding, we specialize in a range of services designed to streamline the investment process, including Fix & Flips, fast funding, renovation financing, cash-out refinances, and purchase financing with as low as 10% down. Our innovative approach eliminates the need for credit checks and appraisals, offering approvals and closings in as little as 10 days. Our mission is to deliver straightforward, quick, and fair access to capital, helping investors achieve their real estate goals "with ease".
In 2023 alone, $81 million in capital to more than 524 investors was funded, reflecting our commitment to supporting the real estate investment community with unparalleled efficiency and service.
For Nicholas Lambrinatos and Windy City Funding, it’s all about delivering exceptional solutions that empower investors to thrive in the dynamic real estate market.
Carlos Alers, Partner
Carlos Alers is a seasoned commercial real estate and structured finance professional with over a decade of experience in acquisitions, capital markets, construction oversight, and complex deal structuring. As Managing Broker of Space Finder Inc. and Branch Manager in the mortgage sector, Carlos operates at the intersection of brokerage, underwriting strategy, and capital advisory.
With 13+ years of hands-on construction and rehab experience, he brings a rare operator’s perspective to commercial transactions—understanding not just valuation and cash flow, but also cost-to-complete analysis, value-add execution, and asset repositioning strategies. His expertise spans multi-tenant industrial assets, mixed-use buildings, church and nonprofit acquisitions, DSCR-based investment properties, and structured financing solutions including interest-only facilities, seller-financed structures, asset depletion programs, and non-QM commercial debt.
Carlos has structured and advised on transactions involving:
- Multi-building portfolio acquisitions
- Industrial and warehouse repositioning
- Nonprofit and religious organization financing
- Value-add multi-unit properties
- Short-term rental investment modeling
- Commercial-to-residential blended income scenarios
He is highly proficient in financial modeling including NOI optimization, cap rate sensitivity analysis, DSCR qualification thresholds (1.0–1.25), rent roll stress testing, blended rate structuring, and exit strategy planning. His approach is data-driven, capital-conscious, and execution-focused — ensuring every deal is structured not just to close, but to perform.
Known for protecting client relationships and reputation in high-stakes transactions, Carlos brings board-ready communication, lender-facing clarity, and institutional-level structuring to privately held investors, nonprofits, and entrepreneurial buyers alike.
His mission is simple: structure intelligent deals, preserve liquidity, mitigate risk, and build scalable real estate portfolios with discipline.
OUR PRODUCTS
- Investment Properties
- Construction Fix & Flip
- Hard Money
- Commercial Finance
- Business Funding
- Mezzanine Loans
- Residential Finance
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