Author profile
Tony Jagmohan Persaud
Tony Jagmohan Persaud is the listed company contact for Trans States Commercial Corp. d/b/a Trans States Mortgage. On Avoid Hard Money, he contributes to educational materials that help rental-property investors organize maturity dates, property information, current debt, and questions for potential financing providers. Services are available in most U.S. states, subject to state, lender, property, and transaction availability. Additional credentials will be added only after owner and compliance confirmation.
Core resources
A balanced framework for choosing, documenting, and monitoring the next step before short-term financing reaches maturity.
Interactive checklistHard Money Refinance Readiness ChecklistA practical readiness checklist for rental-property investors preparing to discuss a refinance without uploading sensitive documents.
Comparison guideHard Money vs. Long-Term Investor FinancingAn educational comparison that explains why short-term and longer-term investor financing solve different problems.
DSCR educationDSCR Refinance Readiness GuideA no-threshold, plain-language guide to preparing for a rental-income-focused refinance conversation.
Planning timelineLoan Maturity Planning TimelineSeven planning checkpoints from 180 days before maturity through the maturity date.
ReferenceInvestor Financing GlossaryPlain-language definitions for investors comparing short-term and longer-term property financing.