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Mortgage Expert Byron Enriquez Pays It Forward By Helping Millennials Break Into Real Estate Investing

Just like building a dream property requires starting from scratch, real estate investment expert Byron Enriquez is the personification of a self-made mortgage maven, launching his career from effectively nothing to his current role helping hundreds to achieve their investing goals.

Enriquez is the CEO of JSS Financial, a Los Angeles-based investment lending firm that offers its services to everyone from business professionals to aspiring millennial homeowners. He has more than 20 years of experience in finance, with 15 of those focused on real estate.

When he surveys today’s thriving real estate sector, he sees that many millennials, in particular, continue to struggle to break into the market. They might not have the opportunity to invest because of their personal or financial backgrounds, or some lenders might scoff at the idea that this generation is truly ready to get started on the journey of property investment.

JSS Financial empowers the millennial, the minority, and other clients that approach it because they’ve heard of its reputation as helping those who face barriers to securing the all-important mortgages needed for them to buy their ideal investment property. The firm crafts custom-built lending plans that are tailored to clients’ individual wants, needs and limits.

Enriquez is happy to help anyone, but in particular is eager to see his fellow Latinos succeed, seeing first-hand the additional hurdles that they can face trying to obtain mortgages. Without getting that key funding, they can see their homeownership plans slip away. “Throughout my time in the industry I’ve seen the disparity and our culture being taken advantage of,” he says.

Enriquez’s extensive network and knowledge in the property and mortgage industry have scored many successful loans for clients that JSS Financial has been able to expand to all 50 states, representing lending plans for the widest possible range of clients.

It might seem like a fantasy for someone who as a child knew little about mortgages and property investments, but it becomes an easily believable reality when looking at Enriquez’s work ethic. He says he caught the financial “bug” around the age of 12 when helping his father translate loan documents, and that simple act can be traced all the way to his current role leading one of the most successful property investment firms in the United States.

Some people would be happy to rest on their own meteoric rise, but Enriquez reiterates that the true joy comes with making sure people, especially Latinos and millennials, are also given the ability to achieve their goals if they’re also willing to put in the commitment and hard work. “I’ve always had a passion for educating people on how to create wealth,” he says.

Taking a step beyond educating people, he launched JSS Capital, a real estate investment fund, to give millennials and under-served people the opportunity to break into real estate investing, regardless of their financial status. Although investing in a property is a great, high-yielding leap into creating income through real estate, what of the people that are driven to get their start, but don’t have the funds or even time to get in on these opportunities?

JSS Capital allows people to buy into a “share” of property (collectively providing the funds to buy it as a whole), and helps aspiring investors create passive income without having to overcome the obstacles of finances, renovation, and management all on their own. 

“I know what it’s like to have almost no opportunity to get into the world of buying and flipping properties. I had to start out as an absolute beginner and work my way up,” says Enriquez. “But I had some great mentors and I truly applied myself, and the rewards have been worth it. I want to pay it forward by making sure anyone can succeed in real estate, no matter who they are.”




This is not a solicitation to invest, or a recommendation of any security or any other product or service by JSS Capital or any other third party regardless of whether such security, product or service is referenced. Furthermore, JSS Capital does not represent that the securities, products, or services discussed are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you. 


All loans are subject to credit and underwriting approval. The programs advertised are not a commitment or guarantee from JSS Financial to lend. Programs, rates and other terms and conditions are subject to change without notice. JSS Financial, Inc d.b.a. JSS Financial is a licensed broker by the California Department of Real Estate with NMLS Endorsement,

CA NMLS-1994549 | CA DRE-02117302

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