Recently Funded Loans
These aren't hypotheticals. These are real deals we closed in the last 12 months. Every single one was denied by at least one bank before coming to us.
80% LTV exception, 7/6 ARM Interest Only, high-income borrower
Medical collections, 2 years post-bankruptcy
Retiree, $4.2M brokerage account, no tax returns
Business owner wrote off $400k on taxes
4-unit brownstone, 1.3 DSCR, cash-out
2-family, self-employed contractor
Manual underwrite, first-time buyer denied by 3 banks
10% down, manual underwrite
Business owner, $8M in assets
Tech founder, $6M in RSUs
Tech consultant, 24 months statements
Restaurant owner, 50% expense ratio
Townhouse rental, investor's 8th property
Duplex STR, AirDNA projections
Used $120k equity to buy duplex
Built 800 sq ft ADU, now rents $2,400/month
Existing ADU generating $1,800/month
Self-employed with bank statements
Early retiree, $4.2M in 401k + IRA
$45k/month deposits
5-unit vacation rental portfolio
Bank statement, bought 2 rentals with proceeds
Used ADU rent to offset mortgage
Refinance, 2 years post-Chapter 7
401k + IRA totaling $2.1M
Restaurant owner, business statements
Airbnb near Disney, 1.35 DSCR
DSCR, 1.4 ratio, pulled $80k
Condo rental, government contractor
Gift funds for down payment
Business shows loss on taxes, $2.8M assets
Real estate agent, closed in 18 days
Duplex cash-out, pulled $150k
Contractor relocated from Boston
Self-employed with bank statements
Retiree, $3.5M in investments
STR in downtown, 1.4 DSCR
Amazon employee with side business
Triplex near OSU, 1.3 DSCR
Manual underwrite, first-time buyer
Retired attorney, $4M in assets
Tech startup founder
Freelance designer, 24 months statements
Retired executive, $5M portfolio
4-plex, 1.5 DSCR
Duplex, out-of-state investor
Business owner, $7M in assets
Medical practice owner
Restaurant chain owner
3-unit mixed-use, retail + residential
2 years post-foreclosure