Bespoke Loan Programs
I review and structure complex borrowing scenarios, specializing in alternative documentation that fits your custom financial portfolio.
DSCR Investor Loans
Qualify on rental income, not yours. Loans to $3.5M. No income or job required. Short-term rentals, LLCs, and foreign nationals welcome. No ratio option available.
Bank Statement Loans
12 or 24 months of bank statements instead of tax returns. Primary, second home, and investment. Up to $4M.
Asset Utilization
Convert your liquid assets into qualifying monthly income. No employment required. Assets divided over 60 months.
P&L Only Loans
Just a 12-month P&L from your tax preparer. No tax returns, no bank statements. Built for self-employed borrowers.
1099 Loans
Qualify using your 1099s instead of tax returns. Perfect for contractors, freelancers, and gig workers in Utah.
Full-Doc Non-QM
W2 or full doc but don't fit conventional guidelines? Non-QM underwriting with interest-only options up to $3M. Max 50% DTI.
Jumbo Non-QM
Luxury home purchases up to $5M. Full or alt doc. Primary residence. FICOs from 620 on full doc.
Foreign National Loans
No US income documentation required. DSCR or asset-based qualification. Investment property purchases welcome.