Call Brad (619) 508-8322

Every real estate transaction matters. When a buyer's income, tax returns, investment properties, or loan amount create financing challenges, having the right mortgage partner can make a difference.
I work directly with Realtors to evaluate challenging scenarios, explore financing options beyond traditional guidelines, and help buyers understand what may be possible.
Before you tell a buyer they can't qualify, let's talk
When a buyer doesn't fit traditional lending guidelines, I help explore alternative financing options that may make the transaction possible.
Self-employed income, tax-return write-offs, multiple investment properties, and jumbo loan amounts can complicate approval. I help evaluate the details and identify potential solutions.
I welcome the opportunity to be a resource for your business, whether you have an active transaction that needs attention or simply want to discuss financing options for a future buyer.
A business owner's tax returns may not reflect the full financial picture. Eligible business bank statements can help establish qualifying income. In one example, average monthly deposits of $38,000 supported an estimated $17,100 in qualifying monthly income after applying the borrower's ownership percentage and an eligible expense ratio. Read Case Scenario
A buyer may have substantial liquid assets but a debt-to-income ratio that makes qualifying difficult. Depending on the loan program, eligible assets may be used to supplement qualifying income and potentially improve the borrower's DTI. Read Case Scenario
An investor wants to refinance a rental property and access cash for improvements. A Debt Service Coverage Ratio (DSCR) loan may allow qualification based on the property's rental income rather than personal income, subject to program guidelines. Read Case Scenario
Have a buyer with a challenging financing situation? Let's review the scenario together before you lose an opportunity. Whether it's an active transaction or a future referral, I'm happy to help you explore the possibilities.
Call Brad: (619) 508-8322
Have a challenging buyer scenario? Explore my mortgage case studies to see how alternative financing solutions may help.
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