Recent Closings: Loans Banks Denied
These are real NON-QM mortgage deals we closed for borrowers who were turned down by traditional lenders. Every challenge has a solution.
Featured Recent Closings
$750,000
Los Angeles, CA
Traditional banks required 2 years of tax returns showing declining income
Approved using 12 months of bank statements showing consistent deposits
$1,200,000
Miami, FL
Maxed out conventional loan limits with 10+ properties
Portfolio loan based on rental income (DSCR 1.35) with no DTI calculation
$2,500,000
Scottsdale, AZ
No W-2 income, banks couldn't qualify despite $8M in liquid assets
Qualified using asset depletion method with 30% down payment
$950,000
New York, NY
No US credit history, ITIN only, foreign income documentation
Approved with 35% down, foreign bank statements, and property cash flow
$625,000
Austin, TX
1099 contractor with significant tax write-offs showing low taxable income
Used 1099 gross income with 12 months of bank statements
$850,000
Seattle, WA
New business (18 months old), traditional lenders wanted 2 years of tax returns
Approved using CPA-prepared P&L statements and 6 months of bank statements
Have a Similar Situation?
If you've been denied by traditional lenders, we specialize in finding solutions for unique financial situations. Let's discuss your scenario.
Why Traditional Banks Say "No"
Self-Employed Income
Banks require 2 years of tax returns and often average your income over 24 months. If you write off business expenses, your taxable income appears too low to qualify.
Investment Properties
Conventional lenders limit you to 10 financed properties and include all mortgages in your debt-to-income ratio, even if properties are cash-flowing.
Asset-Rich, Income-Poor
Retirees and high-net-worth individuals with significant assets but no W-2 income don't fit traditional underwriting guidelines.
Foreign Nationals
Non-US citizens without US credit history or Social Security numbers are automatically declined by most conventional lenders.