A Mediterranean-style luxury estate located in the prestigious Keenes Pointe community, home to over 1,000 upscale residences, the Jack Nicklaus Signature Golf Course, and the exclusive Golden Bear Club. Built in 2014, this lakefront home offers six bedrooms, six bathrooms, and three half-baths, encompassing over 11,675 square feet of interior living space plus expansive patios and decks. The property spans 4.23 acres on the lakefront and includes a private boat dock with a boat lift and two jet ski lifts. Designed for both elegance and function, the estate features two three-car garages, a two-bedroom, one-bath full kitchen garage apartment, a pool cabana with a full bath, a three-story tower with an air-conditioned second floor, a summer kitchen, and a retractable screen patio. Outdoor amenities include a large, elaborate pool with spa and pergola, an outdoor fire pit, and lushly landscaped grounds. The home is in good overall condition per the appraiser. The Borrowers purchased the land in 2007 and built the residence in 2014, where they currently reside as their primary home. The purpose of the requested loan is to refinance the existing So-Cal lien and provide cash-out for business capital, replenishing liquidity for the Borrower’s fire extinguisher business. Recently picked up by Walmart, Ace Hardware, and Home Depot, the business has invested $900,000 into inventory, funded with personal and business capital. Even after the loan, the Borrowers will retain approximately $6,600,000 in home equity. The Borrowers are a husband-and-wife team with extensive entrepreneurial experience. The husband is active in private equity, managing and growing 13 companies across diverse sectors including snack foods, healthy supplements, pet food innovation, and food-as-medicine startups. A pharmacist by trade, he has developed notable snack products such as Veggie Straws, Brownie Brittle, Candy Pop, Barnana, and Goodie Girl. Financial records show $530,057.05 in deposits over the last three months. The Borrowers’ FICO scores are 669 and 668. The loan will carry a 24-month maturity, with plans to repay through the sale of existing businesses or a long-term conventional refinance.