Real estate investors and self-employed borrowers deserve a lender who qualifies them on reality — not what a tax return says. That's exactly what we do.
Qualify on the property's rental income. No personal income required. 26 programs, 80%+ LTV, close in 14 days.
Bank statements, 1099s, or P&L — not tax returns. Business owners, contractors, and gig workers welcome.
Conventional mortgage underwriting was designed for W-2 employees with 9-to-5 jobs and simple tax returns. If that's not you — the system fights you at every turn.
You write off everything legitimately — and your tax return makes you look broke on paper even though your account balance says otherwise
You own investment properties — but banks count the mortgage payments against you and ignore the rental income
You're self-employed or 1099 — and lenders want 2 years of tax returns that don't reflect what you actually earn
You already own multiple properties — and conventional programs cap out at 10 financed properties maximum
We use non-QM programs that qualify you the way it should have always worked — based on your actual financial reality, not a tax form designed to minimize what you owe the IRS.
Two pages. Two programs. Both designed for people the conventional system keeps turning away.
Qualify based on the rental property's cash flow — not your W-2, tax returns, or personal debt-to-income ratio. If the property pays for itself, you qualify.
Bank statements, 1099 forms, P&L statements, or liquid assets — whichever tells your real story. No W-2. No tax return. No problem.
No runaround. No weeks of silence. Here's exactly what happens when you work with Jordan.
Fill out the quick form. Tell Jordan your income type, property, credit range, and goal. Takes 3 minutes.
Jordan pulls live pricing from all matching programs and presents your best options — usually same business day.
Bank statements, 1099s, or rent roll — whatever your program needs. Jordan's team handles processing and submission.
DSCR loans close in as little as 14 days. Bank statement loans typically 21–30 days on clean files.
12 years in mortgage. Former director of the nation's largest originator training program. Personally closed 20+ real estate transactions. Co-founder of Guthix Lending LLC with Michael Stewart.
We work with borrowers the conventional system wasn't built for. Here's who calls us.
Qualifying on rental cash flow — not personal income
LLC and S-Corp owners with complex returns
Contractors and consultants without W-2s
Investors scaling past 10 conventional loan limit
Short-term rental investors using AirDNA income
Realtors, sales pros with variable income
Practice owners with write-offs that crush AGI
Self-employed under 2 years with strong deposits
Non-US citizens investing in US real estate
VA loans with zero down for those who served
First-time buyers without family equity behind them
Cash-out refi at appraised value — no seasoning required
Whether you're an investor, self-employed, or somewhere in between — Jordan will identify the right program, pull live pricing, and get back to you same day.
Jordan Syers • NMLS #1211031 • Guthix Lending LLC
Jordan will review your scenario and reach out shortly — usually same business day.