Investor Profile - AZ
Fernando Karo
Fernando Karo is a real estate investor and operator based in Phoenix, AZ. Public filings show activity across 44 properties held through 3 holding companies. Recent mortgage relationships include Commerce Bank of Arizona, ROBLIEA, and JPMorgan Chase Bank.
Fernando's Activity
As of June 2026, public records show approximately $3.5M in recorded mortgage exposure linked to this investor across at least 8 mortgage filings and 44 properties held through 3 holding companies. Activity appears concentrated in residential and commercial assets recorded between 2017 and 2025.
Associated People
Primary Geography
Phoenix, AZ
ZIP codes: 85331 and 85024
Most activity in CAVE CREEK and PHOENIX.
Property Type Breakdown
Associated Entities (3)
AZ · 39 properties · 8 mortgages
AZ · 0 properties · 0 mortgages
+1 more entities not shown
Mortgages (8)
Top Lenders
| Date | Amount | Status | Lender | Borrower | Address |
|---|---|---|---|---|---|
| 09/02/2022 | $300k | Open | DESPERATE COWBOY | MAKOS LLC | 6021 E CAVE CREEK RD, CAVE CREEK, AZ 85331 |
| 09/02/2021 | $600k | Open | ROBLIEA | MAKOS LLC | 21220 N 22ND ST, PHOENIX, AZ 85024 |
+6 more not shown
Owned Properties (44)
| Address | Deeded owner | Status | Consideration |
|---|---|---|---|
| 5839 E BLUE RIDGE DR, CAVE CREEK, AZ 85331 | MAKOS LLC | Owns - 7 mos | $322k |
| 5939 E SKYLINE DR, CAVE CREEK, AZ 85331 | MAKOS LLC | Owns - 18 mos | $525k |
+42 more not shown
FAQ
What type of real estate does this investor focus on?
Associated mortgages and deeds show activity in residential, commercial, and office properties across Phoenix, AZ.
What companies is Fernando Karo associated with?
Fernando Karo is associated with 3 entities based on extracted signatures from public records. Key entities include MAKOS LLC, CAREFREE RETREAT II LLC, and DESPERATE COWBOY INC.
How many properties are associated with this investor?
At least 44 properties are associated with Fernando Karo and the entities they control, based on signatures extracted from recorded documents connecting Fernando Karo to the entities.
Which lenders has this investor worked with?
Recent mortgage activity references Commerce Bank of Arizona, ROBLIEA, and JPMorgan Chase Bank, indicating a mix of lending relationships.
How recent is their activity?
Records show activity from 2017 through 2025, with the most recent mortgage recorded in 2022.
How is associated activity determined?
Elementix uses AI to extract signatures from recorded documents. These signatures are used to determine the relationships between people and entities. This is a novel approach that goes beyond looking at corporate filings and skip-tracing.
The information displayed on this page is compiled from recorded real estate documents, business filings, and other lawfully available sources. Elementix summarizes and analyzes public record activity related to investment real estate and associated business entities. Any contact indicators shown (such as email domain references or partial phone digits) are provided solely as unverified signals and may be incomplete or outdated.
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