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. 51 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.
Co-Founder • 10+ years in mortgage. Real estate investor. Built the DSCR program engine.
Co-Founder • 8+ years in mortgage. Licensed in 11 states. Lender ops & systems.
We work with borrowers the conventional system wasn't built for. Click any card to see exactly how we qualify you.
Qualifying on rental cash flow — not personal income
+ Learn MoreLLC and S-Corp owners with complex returns
+ Learn MoreContractors and consultants without W-2s
+ Learn MoreInvestors scaling past 10 conventional loan limit
+ Learn MoreShort-term rental investors using AirDNA income
+ Learn MoreRealtors, sales pros with variable income
+ Learn MorePractice owners with write-offs that crush AGI
+ Learn MoreSelf-employed under 2 years with strong deposits
+ Learn MoreNon-US citizens investing in US real estate
+ Learn MoreVA loans with zero down for those who served
+ Learn MoreFirst-time buyers without family equity behind them
+ Learn MoreCash-out refi at appraised value — no seasoning required
+ Learn MoreJordan will identify the right program, pull live pricing, and get back to you same day. Select your situation below to get started.
Not sure which fits? Call or text Jordan directly.
Jordan Syers • NMLS #1211031 • Guthix Lending LLC