Real estate lenders who’ve walked in your work boots

Rehab Wallet is a privately owned, purpose-built lending platform created by investors for investors. Based in South Carolina and anchored by 50+ years of combined experience, we’ve financed more than $461 million in residential projects across the East Coast—helping investors, builders, rehabbers, and wholesalers turn vision into value with speed and clarity.

Rehab Wallet & Consistent Capital

Our Story

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When veteran lender Kelli Garrett saw her pipeline outgrow her capital, she turned to Danny Randazzo and Dan Handford of PassiveInvesting.com. Together they built a lending solution focused on common-sense underwriting and lightning-fast execution. Today, Rehab Wallet marries deep capital resources with an investor-first mindset, offering our community a suite of short- and long-term funding options—all under one roof.

Why Borrowers Choose Us

Expertise You Can Hear

Every loan officer has flipped, wholesaled, or built properties themselves.

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Process Built for Speed

Streamlined docs, same-day approvals, reliable draws.

People Over Paperwork

We evaluate deals on numbers and character—not FICO scores.

Competitive, Transparent Pricing

Clear terms, flat fees, no hidden surprises.

Meet the Team

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Kelli Garrett Headshot

Kelli Garrett

Managing Partner

Dan Handford Headshot

Dan Handford

Managing Partner

Danny Randazzo Headshot

Danny Randazzo

Managing Partner

Angela Dunn Headshot

Angela Dunn

Managing Director

Harris Jones Headshot

Harris Jones

Director of Operations

Ana Teixeira Headshot

Ana Teixeira

Director of Portfolio Strategy

Amanda Myers Headshot

Amanda Myers

Director of Compliance

Melissa Broom

Director of Marketing and Public Relations

Susie Headshot

Susie Balda

Director of Sales

Stacey Foster Headshot

Stacey Foster

Finance Coordinator

Larissa Morgan Headshot

Larissa Morgan

Loan Service Associate

Ariell Rourk Headshot

Ariell Rourk

Loan Processor

Nadya Keller

Transaction Coordinator

Missy Clark Headshot

Missy Clark

Collateral Specialist

John Ware Headshot

John Ware

Financial Operations Specialist

Holly Garcia Headshot

Holly Garcia

Loan Processor

Scott Johnson

Account Executive

Jennifer Julian Headshot

Jennifer Julian

Administrative Associate

Get Started with Rehab Wallet

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Whether you’re planning a cosmetic flip, a ground-up build, or an intricate wholesale, let’s chat. Your next profitable project could be just one conversation away.
Kelli Garrett Headshot

Kelli Garrett

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Managing Partner

Kelli founded and ran a successful mortgage brokerage company for 9 years focusing on residential and commercial mortgages. She held a series 6 and series 63 securities license during her time with the mortgage company. Her company worked with over fifty different lenders and brokered 60-70 loans per months. Before exiting, her company had expanded throughout the state of South Carolina with locations in Charleston, Greenville, Columbia, and Hilton Head. Since exiting her mortgage brokerage company, Kelli has performed hundreds of private loan applications. She prides herself with a strict underwriting criterion for lending and has not lost any money with the loans that she has provided to residential and commercial rehabbers. Within Rehab Wallet, Kelli is focused on loan origination and servicing.

Dan Handford Headshot

Danny Randazzo

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Managing Partner

Dan has an extensive successful background in starting multiple seven-figure businesses from scratch including a group of non-surgical orthopedic medical clinics located throughout South Carolina. Dan is a managing partner with PassiveInvesting.com which currently has a portfolio of $1 billion+ in value with assets located throughout the United States. Within Rehab Wallet, Dan is focused on investor relations, marketing for borrowers, and overall strategic objectives.

Danny Randazzo Headshot

Danny Randazzo

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Managing Partner

Danny has over a half a decade of professional experience working as a financial consultant for one of the premier financial consulting firms in the country. He advised multi-billon dollar companies and helped them achieve results in areas that include improved revenue performance, increased profit margin, and enhanced technology utilization. Danny is a managing partner with PassiveInvesting.com which currently has a portfolio of $1 billion+ in value with assets located throughout the United States. Within Rehab Wallet, Danny is focused on fund management, asset management, and financial modeling.

Angela Dunn Headshot

Angela Dunn

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Managing Director

With 35 years of experience across retail, lending, and manufacturing sectors, Angela is a seasoned business executive who has consistently led organizations through significant change and growth. Throughout her career, Angela has worked in major markets, including Charleston, Charlotte, Richmond, and Birmingham, gaining a broad perspective on diverse business environments.

Angela’s natural ability to focus on customer experience and team development has driven her success, earning her progressively higher levels of responsibility. Her leadership style has consistently resulted in the surpassing of sales and profit targets.

As Managing Director at Rehab Wallet, Angela plays a key role in forecasting both short-term and long-term financial strategies, staffing, and overall business planning. She is also deeply involved in networking, leadership development, and supporting the team, while serving as a crucial liaison with our Investor Relations Team.

Harris Jones Headshot

Harris Jones

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Director of Operations

Harris started her professional career while pursuing a BA in computer science at Clemson University. During her senior year, she took an internship at a marketing firm in Greenville, SC where she became a full-time email marketing and web developer in less than a year. In 2016, she was offered a senior developer position building software for companies like Shell Oil, Signalytix, and Orlando Health. In 2019, Harris started a family-owned real estate investment company specializing in fix and flips. To fund her investments, she began to dive into private lending as a resource. Since then, Harris has familiarized herself with all the ins-and-outs of the loan process and what to look for in a rehab or rental property. She now invests in real estate passively through private lending. Harris joined the Rehab Wallet team as a loan processor and is now the Director of Operations. Her role includes Harris believes that anything is achievable with continued personal growth and hard work. When she’s not working, she enjoys spending time with family, being outdoors with her dogs, drawing, and hula hooping.
Ana Teixeira Headshot

Ana Teixeira

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Director of Portfolio Strategy

Ana has been in the mortgage business for 20 years. She worked as a mortgage broker for 8 years and moved into the mortgage banking role for 12 years. In 2013, she was recruited to lead the renovation mortgage department at Wells Fargo Home Mortgage in the Charleston Tri County Area. She was one of the top national producers for years before Wells Fargo exited the construction/renovation lending space. At the time, Ana went back to prime mortgage lending and was responsible for 7 local Wells Fargo branches. In her last year at Wells, she helped 152 families, totaling 33M in volume as one of their top bank branch producers. Ana’s focus is to make the lending process smooth and seamless for each Rehab Wallet client.
Amanda Myers Headshot

Amanda Myers

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Director of Compliance

Amanda is a business executive with over 20 years of experience in retail organizations within several major markets including Memphis, Birmingham, and Charlotte. Her success in exceeding sales and profit targets are attributed to strong strategic, organizational, and developmental focus on customer service, training, team engagement, planning and project management.

Amanda was born and raised in Buffalo, NY. She currently resides in Charlotte, NC.

As Director of Compliance, Amanda will be identifying potential areas of compliance vulnerability and risk while collaborating across boundaries to establish shared goals, create synergy and take prompt and appropriate action to generate solutions to improve overall operations, service, and performance.

Melissa Broom

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Director of Marketing and Public Relations

Melissa is an experienced Marketing and Public Relations Director with years of experience in the real estate marketing industry. Her industry knowledge includes both commercial and residential real estate. Within Rehab Wallet, Melissa is focused on marketing to borrowers & investors, website management, social media management and all public relations materials.
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Susie Balda

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Director of Sales

Susie brings over 25 years of proven expertise in driving sales, exceeding customer service expectations, and consistently surpassing target goals. Throughout her career, she has successfully managed teams of 250+ members, developed leaders across various corporate levels, and gained extensive experience in project management and human resources.

As a Director of Sales, Susie leverages her experience in innovative strategies to deliver exceptional sales results. Her bilingual skills (fluent in both English and Spanish) and global perspective—having been born in Ecuador, South America, and lived in eight different states—allow her to connect with diverse teams and clients alike.

Currently based in Charlotte, NC, Susie is a dynamic leader with a passion for driving success, fostering growth, and bringing fresh ideas to the table.

Stacey Foster Headshot

Stacey Foster

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Finance Coordinator

Bio Coming Soon
Larissa Morgan Headshot

Larissa Morgan

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Loan Service Associate

Larissa Morgan is a dedicated and detail-oriented financial professional with over four years of experience in managing accounting transactions and overseeing financial health within the real estate industry. Larissa leverages her strong work ethic and organizational skills to provide exceptional client experiences. Her dedication to building strong relationships and achieving organizational goals makes her a valuable asset in the industry.

Born and raised in Columbia, South Carolina, Larissa currently resides there with her two boys. Outside of work, she enjoys playing the piano. Larissa is committed to excellence in customer service, believing that both internal and external customer service are crucial to creating a comprehensive service experience. She is excited to bring her extensive experience and passion for real estate to her new role, helping clients navigate their financial journeys with confidence.

Ariell Rourk Headshot

Ariell Rourk

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Loan Processor

Ariell has been in the customer service industry for over 10 years,  with over 7 years of that experience in finance as a branch manager for a small loan business. Ariell is always eager to learn and loves helping others.  Her attention to detail, strong work ethic, and exceptional interpersonal skills make her a great asset to the team.

Raised in the small town of Elloree, South Carolina, where she currently resides, Ariell grew up hunting and fishing when she wasn’t playing sports. In her free time, Ariell enjoys traveling, listening to live music, and spending time with friends.

Nadya Keller

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Transaction Coordinator

Nadya brings over 10 years of experience in the financial services industry with a focus on preparing and analyzing loan documentation.
She gained her experience working with Wells Fargo on the retail business banking side for 6+ years. Prior to joining Rehab Wallet as Transaction Coordinator, she was a part of a local community Bank team and was instrumental in managing a $160+ million loan portfolio. During that time, she helped facilitate closing of over 400 commercial real estate loans and is very knowledgeable of all the steps involved, from taking applications and understanding underwriting and appraisal requirements to getting the loan to the closing table.
Nadya holds an MBA from The Citadel and resides in Charleston, SC with her husband and two kids. She enjoys traveling and learning new languages, she is fluent in Russian.

Missy Clark Headshot

Missy Clark

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Collateral Specialist

With the motto “Communication is Key” Missy has put that to the test in all aspects of her 30 year career spanning from being an Emmy winning television producer to being a top performing Realtor in the Charleston market. In the last 10 plus years her “Scope of Work” has included multiple years of analyzing asset owned properties and communicating those valuation to the banks and investors , working as a licensed Realtor, Brokerage market analysis, acquisitions management for investors and flipping her own properties.
John Ware Headshot

John Ware

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Financial Operations Specialist

John joined Rehab Wallet after over 7 years in the financial services industry, predominately in retail banking. This experience was comprised of roles in operations, lending and wealth management. In combination with his time in banking, John has been investing in real estate for over 10 years. This made joining Rehab Wallet as the Financial Operations Specialist the perfect fit.

John grew up in Simpsonville, South Carolina. After obtaining a Finance degree from the University of South Carolina, he moved to Charleston, South Carolina. Outside of work he enjoys an active lifestyle, surfing and otherwise hanging out at the beach. Other interests are listening to and playing music and travel, a whole lot of travel.

Holly Garcia Headshot

Holly Garcia

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Loan Processor

Holly has been in the mortgage industry for the last 15 years, with experience ranging from loan processing to originating for lenders big and small. Her penchant for top notch customer service and extreme attention to detail have played a large part in her successful career, often guiding her to lead in the rankings amongst her peers. After living all over the country for the past decade, Holly now resides in Cincinnati, Ohio with her wife, Karina, and their two canine children – Tugboat and Remix. In her free time, she enjoys baking, singing, and cheering on the Ohio State Buckeyes football team. O-H!

Scott Johnson

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Account Executive

With over 30 years of experience in the mortgage industry, Scott Johnson brings a deep, hands-on understanding of the lending landscape—from his early days as a Loan Officer to his current role as an Account Executive. For more than two decades, he has specialized in wholesale lending, supporting brokers and borrowers alike through the complexities of both conventional and non-traditional loan products, including hard money solutions.

Scott’s focus is on efficiency, clarity, and results. Known for his reliability and problem-solving skills, he guides clients through ever-evolving lending guidelines and helps brokers structure deals that close smoothly. His goal is simple: to get loans to the closing table quickly and compliantly, while building lasting relationships based on trust and performance.

Jennifer Julian Headshot

Jennifer Julian

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Administrative Associate
Jennifer has over 25 years of experience in administrative and management roles within banking and retail organizations. She excels in streamlining processes, optimizing efficiency, forecasting needs, and fostering professional relationships. As Operations Leader at a local bank, she was responsible for negotiating new procurement contracts and developing a new streamlined ordering process for the branches. She is always committed to excellence in customer service. She believes internal and external customer service integrates to create a total service experience that benefits all.