Kas Filippova
Kas Filippova
Kas Filippova has emerged as a powerhouse at eXp Commercial. Her expertise spans client representation across a diverse portfolio of commercial real estate assets, including development projects, historic building renovations, mixed-use, retail, and multi-family properties.
When assisting her clients, Kas employs a comprehensive marketing approach, combining her vast network of local developers and strategic partners with technology to connect investors, buyers, and sellers with supreme efficiency.
Kas is also an Account Executive at NEO Innovative Consulting. At NEO Innovative Consulting, we are your bridge to smarter financing. Specializing in DSCR, purchase and refi, residential, and commercial mortgages, we connect you with the right lenders—whether private or institutional—where relationships matter. We simplify funding with low-doc loans that focus on the property’s potential, not excessive paperwork. From 12-month flip loans to NNN lease warehouses, we shop around to secure the best deal for you. Fast, flexible, and tailored— because your investment deserves the right financing.
What Do Our Loans Look Like?
Bridge Loans
- 12 Month Loan
- Interest Only Payments
- No Prepayment Penalty
- Non-Dutch Interest (Don’t Accrue Interest Day 1, only accrue interest on rehab as you pull on it, saves money this way compared to most lenders charging interest on the total loan day 1) 85-95% Loan to Cost Depending on Experience up to 75% of ARV
- 10-12% Interest Depending on Experience
- 0-1 flips or rentals – 12%
- 2 flips or rentals – 11%
- 3-9 flips or rentals – 10.5%
- 10+ flips or rentals – 10%
- 2 Points Origination
- No Appraisal under 650K Loan Amount
- Close in 5-10 days
- Soft Credit pull every 6 months, not every deal, soft pulls do not report to credit bureaus
DSCR Terms
- 30 year Fixed
- 3 months PITI reserves required
- 80% LTV (Rate and Term) // 75% LTV (Cash-out Refi) – Based on Appraised Value
- 70-80% LTV (Purchase Loans) – Based on Appraised Value
- Rates as Low as 6.8% APR Depending on Experience and Asset Class
- 2 Points Origination
- Close in 30 days
- Foreign Nationals up to 65% LTV Purchase/Cash-out Refi
- Mixed Use, 5+ Unit and Retail products available