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A Local Home Grown Team from San Diego

You can count on us to deliver white glove service unmatched by any other lender

Executive Team

Neil Dutta was the co founder of Apollo Realty Investments which was one of the largest fix and flip operators in San Diego. Having completed hundred of renovation projects Neil built ARV Finance to be a partner to high volume operators looking to grow and navigate the changing landscape of residential investing.
Neil Dutta Founder / President
Matt Levine is an alternative lending executive specializing in real estate bridge lending and diverse credit strategies, with extensive experience structuring private funds and leading both buy-side and sell-side operations. His expertise spans portfolio management, deal syndication, and product innovation.
Matt Levine Chief Operating Officer
Kristy Fukuda serves as Chief Financial Officer for a mortgage lending company, where she oversees financial operations, financial statements, and strategic financial planning to drive business growth. Her leadership in data-driven decision making and risk management has been instrumental in maintaining fiscal discipline while fostering transparency across the organization's financial operations.
Kristy Fukuda Chief Financial Officer
Gina Donatoni brings nearly three decades of mortgage industry expertise to her role as Chief Lending Officer at ARV Finance. Her career progression from Branch Manager to Regional Vice President, combined with recent C-suite roles as Chief Operating Officer at Patch Lending and First Vice President at PennyMac Loan Services, demonstrates her ability to manage large-scale lending operations while implementing innovative solutions. This extensive background in operations oversight, business analytics, and executive leadership uniquely positions her to drive ARV Finance's mission of partnering with premier real estate investors to streamline their operations and accelerate growth.
Gina Donatoni Chief Lending Officer

Lending Team

Kelsey Lapointe is a seasoned mortgage loan processing manager with over a decade of experience in credit analysis and loan qualification. She brings proven expertise in managing multiple lending priorities while maintaining organizational excellence and a positive approach to borrower relationships.
Kelsey Lapointe Head of Processing
Natalie Santen is a processing specialist with extensive experience in commercial and residential loan management. Her expertise spans multiple loan types including Conventional, VA, and FHA, with a proven track record in quality assurance and transaction management. She combines strong technical proficiency in Salesforce nCino with detailed compliance oversight.
Natalie Santen Processor
Bob Donatoni brings two decades of expertise in construction sales and capital markets to his role at ARV Finance. With a career history boasting more than $1 billion in funded transactions, he focuses on navigating complex deal structures and optimizing project presentations for approval. Bob delivers strategic capital solutions for a wide array of investment scenarios, ranging from fix-and-flip and new development to long-term holds on multi-family and small-balance commercial assets.
Bob Donatoni Senior Loan Officer
Tanya Santos is a Senior Loan Processor at ARV Finance Inc., specializing in residential mortgage processing and real estate transactions. With prior experience at Prime Equity Mortgage where she held roles as Processing Manager and assistant to the broker, she guides files from initial application through final funding while maintaining strong collaboration with borrowers, agents, escrow officers, and internal teams. She is recognized as a knowledgeable, well-rounded professional who brings seasoned expertise to every transaction.
Tanya Santos Senior Loan Officer
Amelia Nayoan brings extensive experience in loan documentation and mortgage lending to her role as a Loan Closer at ARV Finance. With a career spanning over a decade at institutions like City National Bank and Patch Lending, she has cultivated a reputation for precision and efficiency in high-volume private lending environments. Her expertise lies in meticulously preparing and reviewing legal loan documents, ensuring all funding conditions are satisfied, and serving as a key liaison between borrowers, loan officers, and underwriting teams to facilitate seamless closings.
Amelia Nayoan Loan Closer
As a Senior Underwriter for ARV Finance, Marcella Gatlin is essential to building a portfolio of sound and secure loans. Her career has been dedicated to the careful vetting of financial and property documents, allowing her to expertly identify the strengths and risks of each potential deal. This diligent evaluation is fundamental to the company's success. By ensuring every loan is thoroughly scrutinized and meets rigorous standards, Marcella empowers ARV Finance to confidently provide capital to real estate investors, fostering trusted and successful partnerships.
Marcella Gatlin Senior Underwriter
Gabriel Camou is a University of San Diego graduate with dual expertise in Finance and Real Estate, currently serving as a Credit Analyst at ARV Finance. They specialize in evaluating and structuring short-term bridge financing solutions for real estate investors, bringing a detail-oriented approach to private credit analysis. Their unique background in both finance and real estate enables them to deliver strategic value at the intersection of property investment and lending.
Gabriel Camou Credit Analyst
Andres Rodriguez is a Credit Analyst at ARV Finance Inc., specializing in residential mortgages and real estate finance. With experience at Goldman Sachs and Axos Bank, he structures tailored solutions, holding an NMLS license and multilingual fluency in English and Spanish.
Andres Rodriguez Credit Analyst
Tomas Sanchez operates as a Credit Analyst focused on property assets at ARV Inc., bringing a background in operational due diligence and Python automation from his tenure at Aksia. A graduate of Barrett, The Honors College, he previously conducted forensic accounting reviews for NBCUniversal, demonstrating strong capability in risk assessment, data analysis, and fund structures within the San Diego market.
Tomas Sanchez Credit Analyst
Jihye (Jaye) Lee is a detail-oriented accounting professional with comprehensive experience in accounts payable, accounts receivable, and financial reporting, complemented by advanced Excel skills and meticulous reconciliation practices. She brings proven expertise in managing diverse accounting operations while maintaining strong interpersonal relationships and seeks a flexible, remote position where she can leverage her analytical capabilities and commitment to accuracy.
Jihye (Jaye) Lee Staff Accountant
Dinah Brown is an executive asset manager specializing in residential real estate operations, with extensive experience in property management, interior design, and client relations. Her expertise spans high-level administrative operations, portfolio coordination, and customer service management.
Dinah Brown Asset Management
Ruben Bustamante Jr. is a strategic real estate investment professional specializing in financial feasibility analysis and cross-sector deal execution, with a focus on innovative proforma modeling and client-centric solutions. His experience spans financial analysis, business development, and project management, driving operational efficiency and creative problem-solving for diverse real estate portfolios.
Ruben Bustamante Jr. Construction Draw Manager
Raquel Palma is a Construction Draw Associate at ARV Finance with specialized experience in construction finance and risk administration. Her expertise spans portfolio management and operational oversight, developed during her tenure at Axos Bank as a Construction Risk Administrator. She combines strong project coordination skills with a versatile background in operations to ensure efficient draw processing and transaction management.
Raquel Palma Construction Draw Associate
Mark Santos is an operations professional supporting the Asset Management team at ARV Finance. He ensures that all loan draws and reimbursements are accurately tracked, properly documented, and processed in alignment with company standards. With a focus on organization, precision, and operational efficiency, Mark contributes to maintaining financial accuracy and supporting seamless coordination across teams to uphold the integrity of ARV Finance’s asset management operations.
Mark Santos
Construction Draw Assistant
Kethzaly Sandoval brings strong experience in handling detailed financial work to her role as Post Closing Coordinator at ARV Finance. Her background in accounts receivable has given her a keen eye for detail and a solid understanding of managing important paperwork and processes. This skillset is perfect for making sure every loan closes smoothly and correctly. Her ability to carefully manage tasks and check for accuracy helps ARV Finance provide reliable and efficient service to real estate investors, ensuring every deal is finished the right way.
Kethzaly Sandoval Post Closing Coordinator
Andrea Cruz is a customer service leader specializing in real estate investor support, with a proven background in live chat operations and client relationship management. Her expertise includes streamlining communication workflows, resolving complex inquiries, and ensuring compliance with service standards. Skilled in CRM systems and team coordination, she drives efficient processes that enhance client retention and operational agility for high-volume lending environments.
Andrea Cruz
Support Manager
Jun Wang serves as a Loan Servicing Specialist at ARV Finance, managing post-loan processes to ensure seamless compliance and accuracy in payment tracking, record maintenance, and client communication. By collaborating with cross-functional teams, he resolves issues swiftly and upholds ARV’s reputation for rapid, reliable support, empowering real estate investors to scale operations and reclaim time. His meticulous approach reinforces ARV’s role as a trusted partner in navigating the dynamic residential investment landscape.
Jun Wang
Loan Servicing
Angela Reyes is an Analyst at ARV Finance, leveraging over 11 years of customer service and real estate transaction expertise to support high-volume investors in optimizing deal flow and mitigating risks. Transitioning from a background in call center operations and virtual assistance for U.S. real estate agents, she now applies sharp analytical skills to evaluate acquisitions, streamline operational workflows, and enhance construction timelines—key pillars of ARV’s investor-focused strategy. Her ability to prioritize data-driven insights and adapt to dynamic market trends ensures clients avoid detrimental investments while scaling efficiently, aligning with ARV’s mission to empower flippers through rapid execution and strategic lending solutions.
Angela Reyes
Analyst
Sophia Franzuela supports ARV Finance as an Accounting Assistant, leveraging her QuickBooks ProAdvisor certification and 5+ years in financial accounting to streamline financial operations for high-volume real estate investors. Her expertise in accounts payable, bookkeeping, and workflow optimization—honed at Intuit and financial service firms—directly contributes to ARV’s mission of accelerating investor growth through precise financial management and operational efficiency.
Sophia Franzuela
Accounting Assistant
Maxine De Leon is ARV's Marketing Assistant, leveraging her customer service background and creative virtual assistance expertise to manage the company's multi-platform social media, execute targeted email campaigns, and ensure brand consistency. She designs graphics for marketing platforms, manages content calendars, and drives engagement to support broader initiatives, balancing creativity with strategic execution.
Maxine De Leon
Marketing Assistant