Mortgages for the way you actually earn.
Investors, business owners, and homebuyers don't all fit the same box. Qualify on a property's rent, your bank deposits, your assets, or traditional income, with the loan that fits you.
- No credit pull to start
- No tax returns on many programs
- Licensed, NMLS #1493724
What would you like to do?
Pick one to see the loans that fit.
The right loan for every kind of borrower
Whether you're growing a rental portfolio, running a business, or buying your first home.
Real estate investors
Rentals, short-term rentals, BRRRR, and portfolios. Qualify on the property, not your income.
- DSCR Loans
- No-Ratio DSCR
- Short-Term Rental Loans
- BRRRR & Cash-Out Refinance
- Portfolio & Blanket Loans
- Interest-Only Loans
- Foreign National Loans
Self-employed & alt-doc
Business owners, contractors, and high-net-worth borrowers. Qualify without tax returns.
Compare these loans
Home buyers & owners
Buy, refinance, or tap your equity with conventional, government, and jumbo options.
- Conventional Loans
- FHA Loans
- VA Loans
- Jumbo Loans
- Refinance
- HELOC & Home Equity
- Reverse Mortgages
- ITIN Loans
Qualify on the property, not your paycheck.
DSCR loans look at whether the rent covers the payment. No W-2s, no tax returns, no personal debt-to-income ratio.
- Ratios from 1.0x down to no-ratio
Standard, sub-1.0, and no-ratio programs for high-cost markets.
- Buy in your LLC
Keep properties separate, often at the same pricing as a personal loan.
- Long-term, short-term, and BRRRR
Rentals, Airbnbs, cash-out refinances, and portfolio loans.
Check a rental in 30 seconds
Change the numbers to see your DSCR.
Estimate only, not a loan offer. Rate is an example; use one you've been quoted.
Clear answers, start to finish
You'll know your options and numbers before you commit to anything.
Tell me your goal
Two minutes online or a quick call. No credit pull. I'll match you with the programs that fit.
See your numbers
Loan amount, payment, cash to close, and the tradeoffs between options, side by side.
Apply and close
Lock your rate, send documents, and get regular updates through appraisal, underwriting, and closing.
See your options in minutes.
Tell me about your goal and situation. I'll review it and get back to you, usually the same business day.
- No credit pull until you authorize it
- Your numbers before you apply
- No obligation
- Direct line to your loan officer
Find the right loan
Takes about two minutes. No credit pull.
Got it, thank you.
I'll review your scenario and reach out, usually the same business day. Need me sooner? Call or text (818) 650-0071.
Mortgage answers, in plain English
Non-QM loans explained: types, requirements, and who they're for
What makes a loan non-QM, every major program side by side, typical requirements, and how to tell if one fits you.
Loan basicsPre-qualification vs. pre-approval: what's the difference?
One is a quick estimate, the other means a lender has checked your credit and documents. Here's which one sellers take seriously.
Investors · DSCRWhat is a DSCR loan? A plain-English guide for investors
How a DSCR loan qualifies you on the property's rent instead of your income, what lenders typically require, and when it beats a conventional loan.
Common questions
What is a DSCR loan?
A loan for rental properties that qualifies on the property's income instead of yours. The lender divides the rent by the full payment. Most programs look for 1.0x or higher, some go lower, and no-ratio programs have no minimum. No W-2s or tax returns are required.
Can I get a mortgage without tax returns?
Yes. DSCR loans use a rental's income, bank statement loans use your deposits, P&L loans use a CPA-prepared statement, and asset depletion uses your account balances.
Do you only do Non-QM loans?
No. Alongside DSCR and other Non-QM programs, I offer conventional, FHA, VA, jumbo, refinance, and home equity options, so you can compare them side by side.
Will checking my options affect my credit?
No. I can show you options based on an estimated credit score. Your credit is pulled only when you're ready and authorize it.
Where are your rates?
Rates change daily and depend on your credit, down payment, property, and loan type, so I quote each scenario live rather than posting a table that goes out of date. See how rates are priced.
Let's find the right loan for you.
Tell me about your situation and I'll lay out your options. No credit pull, no obligation.