DeMiranda Lending Team

Horia Karim
I am here to help you and your business grow. I know Texas, I know investment lending, and now I have a whole new set of tools, products and resources to help support your business goals – the likes of which are not currently offered by other local or national lenders.

Horia Karim

VP of Lending, New York

newyork@renovofinancial.com
(917) 336-9112

Your Local New York Lender

Since 2008, Horia Karim has been wheeling and dealing in New York real estate. She wants to help you grow your New York business, no matter what stage you’re in. Give Renovo a call and get started with your next New York investment.

New York city skyline empire state building

Full Suite of Loan Programs

Rehab Black

Rehab Loans

Rental Black

Rental "Term" Loans

New Construction Black

New Construction Loans

Multi-Family Black

Multi-Family Loans

Meet the Team

Madison Finnegan updated

Madison Finnegan

Production Assistant

Nick Calabrese

Nick Calabrese

Senior Credit Analyst

Morganne Leis

Morganne Leis

Senior Credit Analyst

Krisan Nash

Krisan Nash

Senior Loan Coordinator

Local Knowledge Black

Local Knowledge

Renovo’s local lenders are in-person and on-site with expert market knowledge and insights. Paired with the pricing of a national lender, you get the best of both worlds.

One Stop Shop Black

One Stop Shop

With in-house servicing and a full suite of loan options, Renovo is your one stop shop from one project to the next. Grow your portfolio of investment properties today.

Speed Black

Speed

At Renovo, we will help you close quickly and have access to draws in 24 to 48 hours for your real estate investment loans because, in real estate, timing is everything.

Flexibility Black

Flexibility

We don’t do “one size fits all,” because in this industry, it doesn’t. Our lenders will listen to your specific needs and work with you to help you achieve your unique goals.

Get to Know Horia

I’ve been in the industry since 2008.

Hesitating to move forward. The sooner you start investing, the sooner you’ll learn and gain experience in the industry.

The desire to learn and grow personally and professionally. When you grow yourself professionally, you grow as a person.

I was born in Brooklyn and grew up in Long Island, but my love for the city was always there. I went to college at a CUNY and haven’t left the city. I majored in real estate finance and have worked in the industry ever since.

I love to read, specifically biographies, to the point where I don’t own a TV. I love hearing people tell their stories. I also love to travel up to Northern New York.

I have a personal passion for art and painting. I dropped out of art school to go into real estate. Now that I’ve established my business, I’d love to build a room just for painting so I can really express myself.

Client Reviews

10/10

“I would definitely recommend Renovo to anyone. They work with you from the beginning to the end of the process.”

– Jacqueline S.

10/10

“It was a great experience with Renovo! Everyone has been so helpful and timely. We look forward to more deals with you guys.”

– Manyu W.

10/10

“The Renovo team is great to work with. We are very pleased with the customer service. The operations team, the closing team and construction management team have delivered for us.”

– Geoffrey H.

Have you worked with the Karim Team?

Horia Karim
I am here to help you and your business grow. I know Texas, I know investment lending, and now I have a whole new set of tools, products and resources to help support your business goals – the likes of which are not currently offered by other local or national lenders.

Horia Karim

VP of Lending, New York

newyork@renovofinancial.com
(917) 336-9112