The loan
nobody
else could
close.

Yes — this is exactly what bank statement loans are for. Instead of tax returns, we use 12 or 24 months of deposits to calculate your qualifying income. Business owners who write off expenses aggressively often qualify for significantly more this way than through traditional documentation.

Absolutely. FHA loans go down to 580, and non-QM programs exist for scores in the 500s depending on the scenario. The full picture matters — equity, reserves, income stability — not just the FICO number. Tell me your situation and I'll find the best path.

Non-warrantable condos — buildings with pending litigation, high investor concentration, low owner-occupancy, or large commercial space — don't qualify for conventional or FHA financing. But portfolio lenders do these all the time. I have access to programs specifically designed for this scenario.

DSCR stands for Debt Service Coverage Ratio. It's a loan for investment properties where qualification is based on whether the rental income covers the mortgage payment — your personal income doesn't matter. If the property cash-flows, you typically qualify. Ideal for investors building a portfolio.

Pre-approval letters same business day. Full purchase closes typically in 21–30 days. Because we handle processing, underwriting, docs, and funding all in-house — no third-party hand-offs — we move faster and with far fewer surprises than most lenders.