LOANS I WORK WITH
Not tied to one product — I shop multiple lenders and match the property, and your situation, to the right loan.
DSCR loan
Qualifies on the property's rent — rent ÷ PITIA — instead of your tax returns or personal income.
Often a fit for: buy-and-hold investors, self-employed buyers, anyone past the conventional property limit.
DSCR cash-out refinance
Pulls equity out of a rental that cash-flows, still qualifying on the property's income.
Often a fit for: BRRRR investors recycling capital, or funding the next purchase.
Bank-statement loan
Uses 12–24 months of bank deposits to show income instead of tax returns.
Often a fit for: self-employed borrowers whose write-offs understate their real income.
Bridge / BRRRR financing
Short-term financing to buy and rehab before refinancing into long-term debt.
Often a fit for: value-add investors who need speed up front, then exit into a DSCR loan.
HELOC (investment property)
Taps existing equity in a property you already own.
Often a fit for: investors funding a down payment or rehab from equity.
Conventional
Traditional financing that qualifies on personal income and debt-to-income.
Often a fit for: W-2 buyers and earlier-stage investors under the conventional cap.
FHA
Lower-down-payment, owner-occupied financing on 1–4 unit properties.
Often a fit for: house-hackers buying a small multi-unit to live in one and rent the rest.
VA
Owner-occupied financing for eligible veterans, often with no down payment.
Often a fit for: veteran buyers and veteran house-hackers.
Non-QM jumbo
Larger-balance financing outside conventional limits, with flexible documentation.
Often a fit for: higher-priced California properties and rebuild scenarios.
Educational only; not a commitment to lend.