Investment Property Loans. No W-2 Required. Close in 2–3 Weeks.

Licensed in PA, FL, TN, CA, TX. We compare 200+ lenders to find your best deal — qualify on property income, not your tax return. Soft pull only.

Get Your Custom Rate

No SSN, no hard pull. Just answer 4 quick questions.

NMLS #2647931

Licensed Mortgage Broker

5 States

PA · FL · TN · CA · TX

200+ Lenders

Best deal, every time

30+ Years

Combined experience

Equal Housing

Lender · EHL

Two Paths. One Lender. Built for You.

Whether you’re acquiring your next rental or buying your first home, we route you to the right loan — fast.

I'm a Real Estate Investor

DSCR loans — qualify on property income, not your W-2. Use an LLC, skip the tax-return drama, and close in 2–3 weeks.

I'm Buying a Home

FHA, VA, conventional, and jumbo loans. 30+ years of expertise guiding first-timers and move-up buyers to the closing table.

The DSCR Advantage

Four reasons real estate investors keep coming back — and why their bankers can’t compete.

Soft Pull Only

Check your rate without affecting your credit. No hard pull until you’re ready to lock.

PA LLC Loophole

Pennsylvania investors: avoid prepayment penalties by closing in your LLC. Quietly, the smartest move on the table.

Close in 2–3 Weeks

Most DSCR deals close in 14–21 days. Faster than any bank — because we don’t underwrite W-2s.

200+ Lenders

We’re brokers, not bankers. We compare 200+ lenders to find your best deal — every single time.

Your bank looked at your W-2. We look at the deal.

“Your bank looked at your W-2, not your property’s income. That’s their problem, not yours. We qualify investors on what matters — the deal, not your tax return.”

If you’ve been turned away because of self-employment income, recent business write-offs, or LLC complications, you’re exactly the kind of investor we’re built for. We’ve placed loans for clients banks rejected three, four, even five times.

Big Bank vs. Hudson Bay

✗ Requires 2 yrs of W-2s

✓ Property income only

✗ 45–60 day close

✓ 14–21 day close

✗ Personal name only

✓ LLC welcomed

✗ Hard pull at start

✓ Soft pull until lock

✗ 1 set of rates

✓ 200+ compared

The Numbers Speak for Themselves

Real deals, real investors, real results across five states.

$420M+

Loans Funded

1,200+

Deals Closed

5

States Served

17 days

Average Close Time

★ ★ ★ ★ ★
4.9 / 5 from 187 verified Google reviews

“Closed our 4-unit in 16 days. They saw the deal — not the paperwork.” — Jared M., PA Investor

From the DSCR Playbook

Tactics, breakdowns, and field reports for serious investors and homebuyers.

A full breakdown of debt service coverage ratio loans, why investors use them, and how to qualify in under 60 seconds.

A perfectly legal closing structure that has saved our clients tens of thousands. Here is exactly how it works.

Side-by-side numbers for first-time buyers, with three real-world scenarios and the math nobody shows you.

Ready to see your real rate?

Soft pull only. No SSN required to get started. Close your next deal in 14–21 days.