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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
Alexa Droubi is a loan processor at ARV Finance, bringing sharp operational focus to fix-and-flip and residential lending. She manages full-cycle processing, third-party coordination, and compliance reviews—including BSA/AML and entity analysis. Proficient in Encompass and Salesforce, she clears conditions, prepares funding, and keeps deals on track. Alexa is a reliable team player who adapts quickly and delivers results for active investors.
Alexa Droubi
Processor
More than five years in high-volume mortgage operations have shaped Sasan Naghavian into an operations-minded Loan Processor at ARV Finance. He has run pipelines of 80 to 100 files at 99% documentation accuracy—aligning loan officers, underwriters, closing teams, and vendors while clearing conditions and reviewing compliance under RESPA, TILA, and TRID. A California DRE licensee, Sasan gives ARV's investors a steady, accountable hand from submission to funding.
Sasan Naghavian 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
Katie Umbdenstock applies over eight years of experience in construction sales and real estate investing to her position as a Loan Officer at ARV Finance Inc. Her track record includes originating and underwriting numerous fix-and-flip, ADU development, and multi-unit projects. She specializes in refining loan presentations and navigating complex financing structures to secure approval. Katie delivers customized capital solutions across a variety of investor scenarios—ranging from short-term rehabs and new construction to long-term holds on small-balance commercial and residential rental properties.
Katie Umbdenstock 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
Veralis Cordova brings a solid background in commercial banking and loan support to her role as an Underwriter at ARV Finance. With experience spanning loan packaging, credit analysis, and risk assessment, she concentrates on evaluating deal feasibility and ensuring complete, compliant loan files for approval. Veralis delivers thorough underwriting coverage across a broad spectrum of investment property types—including fix-and-flips, ADU builds, multi-family projects, and small-balance commercial assets.
Veralis Cordova 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
With several years of experience in commercial real estate underwriting and banking, Luke Macie steps into the role of Credit Analyst at ARV Finance. His background includes analyzing CRE loan packages and assessing borrower creditworthiness at a major bank. He focuses on evaluating risk, validating property financials, and preparing thorough credit memos for approval. Luke delivers disciplined credit analysis across a diverse range of investment property types—including fix-and-flips, multi-family assets, and small-balance commercial real estate.
Luke Macie 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
Cassidy Rodgerson serves as an Asset Manager at ARV Finance, drawing on roughly two years at Axos Bank—where she advanced from Special Assets Analyst to Credit Analyst II, managing risk across complex and distressed loan portfolios. Armed with a BBA from the University of Utah's David Eccles School of Business, she pairs SQL and Tableau with strategic rigor to monitor, protect, and position every asset in ARV's portfolio to perform.
Cassidy Rodgerson Asset Manager
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
As Fund & Draw Coordinator at ARV Finance, Lenny LeeChicas anchors loan funding, construction draw processing, documentation review, and borrower communication. He brings a finance background in private real estate lending, investment reporting, and fund accounting—built as a Finance & Investment Analyst at the Rancho Santa Fe Foundation, supporting a portfolio exceeding $200M, and as a Portfolio Manager for the CSUSM Cougar Fund. A finance graduate of CSU San Marcos, Lenny keeps every draw accurate and every project funded on schedule.
Lenny Leechicas Fund & Draw Coordinator
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
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
Alexis Castro joins ARV Finance as a Post-Close Analyst, bringing strong attention to detail and a proven administrative skill set. With experience auditing inventory at Target, managing patient records at Kaiser Permanente and Cortica, and creating structured lesson plans as an ESL teacher, Alexis excels at keeping complex documentation organized and error-free. She holds a Bachelor of Science in Health Sciences from Grand Canyon University and is bilingual in English and Spanish. Based in San Diego, Alexis is committed to meticulously reviewing every loan file and ensuring all post-closing requirements are met, helping ARV’s investors move forward with confidence and speed.
Alexis Castro Post Close Analyst
Dhruvi Shah leads people operations as HR & Office Administrator at ARV Finance, with over a decade of HR experience across payroll, benefits, HRIS, compliance, talent acquisition, and learning and development. Backed by an M.P.A. in Human Resources Development and her role at the Museum of Contemporary Art San Diego, she builds people systems that balance structure and empathy. As ARV's team grows, Dhruvi keeps the company aligned and every employee supported.
Dhruvi Shah HR & Office Administrator