Pinetop Capital
Menu

VETERAN-OWNED · PHOENIX, ARIZONA

A home to live in, or an investment property?

Pick one and I’ll show you the loans that fit.

A home to live in An investment property
Antoni Pestka, mortgage loan officer
Antoni Pestka Mortgage loan officer · NMLS #2136480

I’m a mortgage loan officer based in the Phoenix area, and an Army veteran. Before mortgages I spent my career in technical sales and consulting across cybersecurity and IT.

More about me →

A home to live in

A home you will live in

Owner-occupied lending, governed by consumer mortgage law. Consumer mortgage products are offered only in states where licensed.

Cash-outTrapped equity, a build that is finished but still on construction debt, or a rehab that needs to come off hard money. Self-employedFor business owners, commission earners and executives whose write-offs or pay structure make a full-doc file read far smaller than reality. A home to live inConventional, FHA, VA and USDA on a primary residence or second home. Veterans & public serviceConsumer programs tied to service, on a primary residence you will occupy. Property problemsSometimes the borrower is fine and the building is what failed review.

See all home loans

Buying an investment property instead? →

An investment property

A property you will rent, renovate, or build

These loans are underwritten on the asset and the deal (what the property earns, what the work costs, how it gets paid off), rather than on your pay stubs. Holding title in an LLC is normal here. Available in any state.

Buying a rentalLong-term, short-term or small-balance. Flipping & bridgingShort-horizon capital where the exit, a sale or a refinance, is the thing being underwritten, and the clock is already running. BuildingConstruction lines, spec inventory, small multifamily and build-to-rent, plus buyer end-loans once the homes are done. Cash-outTrapped equity, a build that is finished but still on construction debt, or a rehab that needs to come off hard money. Self-employedFor business owners, commission earners and executives whose write-offs or pay structure make a full-doc file read far smaller than reality. No US credit fileFor buyers without a Social Security number or US credit history, and for people who file US taxes with an ITIN. Property problemsSometimes the borrower is fine and the building is what failed review.

See all programs

Buying a home to live in instead? →

Why Pinetop Capital

Access

One file, shopped across many lenders

A bank can offer you what that bank sells. A broker takes the same file to wholesale and private desks and works out which of them will take it as it stands.

Second opinion

A decline at one desk is not a decline everywhere

Lenders write their own guidelines and they differ. Self-employed income, an unusual property, a thin credit history. Any of these can stop one lender and be routine at the next.

Candor

You hear the problems first

What would make the file fail gets said at the start rather than after weeks of processing. If it cannot be placed now, I tell you what would have to change.

From the guides

All guides →

Myth: a foreign national buying US property has to pay cash

The belief is common enough that people budget around it. Financing exists for buyers with no US credit file and no Social Security number.

Myth · Foreign national

Myth: self-employed borrowers need two years of tax returns to qualify

For one lane of lending that is broadly true. It is not the only lane, and the returns are often the worst evidence of what a business actually earns.

Myth

Myth: you need twenty percent down to buy a home

The figure is real, but it buys one specific thing rather than being the price of entry.

Myth

Know the route before you climb.

Tell me the property and the plan and I’ll come back with what’s eligible. Eligibility and terms vary by scenario.

Send a scenario

Ready to submit a scenario?

An investment property Send a scenario, no credit pull to start A home I’ll live in Secure portal, select states