Why 100% Loan-to-Cost Lending Is Working in the Midwest with Matthew Medrano

February 25
44 mins

Episode Description

Matthew Medrano shares how Dynamo Capital scaled from a $5M goal to a $100M+ private credit fund by focusing on speed, alignment, and Midwest lending.

In this episode of RealDealChat, Matthew Medrano of Dynamo Capital breaks down how a frustrated mortgage broker built a direct lending fund focused on fast funding, flexible terms, and aligned incentives.

We cover:

  1. Why Dynamo offers 100% loan-to-cost on select fix-and-flip projects
  2. How they structured their fund without the traditional “2 and 20” model
  3. Why Midwest lending looks different than Wall Street lending
  4. The painful lessons from 30 duplex developments
  5. Scaling from a $5M goal to over $100M in just two years
  6. Why doing the right thing simplifies decision-making

Matthew also shares how Dynamo uses AI and custom-built tech (including monday.com and in-house development) to free up staff for human interaction — not replace it. The result? More meaningful borrower relationships and better underwriting discipline.

If you’re raising capital, deploying capital, or borrowing capital — this conversation gives you a behind-the-scenes look at how a private credit fund really operates.

🌐 Learn more: 👉 https://dynamocapital.com

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Keywords: private lending fund, Matthew Medrano, Dynamo Capital, 100% loan to cost, fix and flip lending, Midwest real estate investing, private credit real estate, fund incentive alignment, no 2 and 20 fund structure, business purpose lending, AI in lending, RealDealChat podcast

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