VETERAN-OWNED · PHOENIX, ARIZONA
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Loan programs
Two ways in, and the programs under each
Some questions sit on both sides. Those appear in both lists rather than being filed under one. Nothing is offered in New York.
An investment propertyRental, flip, bridge or build
I’m buying a rentalLong-term, short-term or small-balance. The common thread is that the property’s income does the qualifying rather than your tax returns.Best if you want the rent to carry the file, not your tax returns.Not for a home you’ll live in.
I’m flipping, renovating or bridgingShort-horizon capital where the exit, a sale or a refinance, is the thing being underwritten, and the clock is already running.Best if the deal has a defined exit and a clock already running on it.Not for a long-term hold you intend to keep financed as it is.
I’m buildingConstruction lines, spec inventory, small multifamily and build-to-rent, plus buyer end-loans once the homes are done.Best if you build for a living and the draw schedule is the bottleneck.Not for a home you’ll live in, including one you’re acting as your own GC on.
I want to pull cash out of a property I ownTrapped equity, a build that is finished but still on construction debt, or a rehab that needs to come off hard money.Best if the build is nearly finished and the money or the loan term ran out.Not for a project still at the foundation. That’s ground-up construction.
My tax returns understate what I earnFor business owners, commission earners and executives whose write-offs or pay structure make a full-doc file read far smaller than reality.Best if your deposits tell the truth your tax return doesn’t.Not for a W-2 borrower whose returns already show the whole picture.
I have no US credit fileFor buyers without a Social Security number or US credit history, and for people who file US taxes with an ITIN.Best if there’s no US credit file and the property is an investment you won’t occupy.Not for a home you intend to live in, seasonally or otherwise.
Something about the property is the problemSometimes the borrower is fine and the building is what failed review. That is a different lender, not a dead deal.Best if the building failed review, not you.Not for a condo that already clears agency warrantability.
A home I’ll live inOwner-occupied, licensed states only
I want to pull cash out of a property I ownTrapped equity, a build that is finished but still on construction debt, or a rehab that needs to come off hard money.Best if the build is nearly finished and the money or the loan term ran out.Not for a project still at the foundation. That’s ground-up construction.
My tax returns understate what I earnFor business owners, commission earners and executives whose write-offs or pay structure make a full-doc file read far smaller than reality.Best if your deposits tell the truth your tax return doesn’t.Not for a W-2 borrower whose returns already show the whole picture.
I’m buying or refinancing a home I’ll live inConventional, FHA, VA and USDA on a primary residence or second home. I originate these in select states.Best if you’re buying or refinancing a home you’ll live in, and your income documents normally.Not for a rental you won’t occupy, or income that won’t show on returns. Those have their own paths here.
I’m a veteran, first responder, nurse or teacherConsumer programs tied to service, on a primary residence you will occupy. I originate these in select states.Best if you served, and you’ll be living in the property.Not for an investment property you won’t occupy.
Something about the property is the problemSometimes the borrower is fine and the building is what failed review. That is a different lender, not a dead deal.Best if the building failed review, not you.Not for a condo that already clears agency warrantability.