All Forum Posts by: Charlie Gonzalez

Hi Justin,

I offer DSCR short term rental, full doc, bank statement, 1099, and asset depletion options. A wide variety of ways to structure an STR property. It can be 1-4 units.

Please feel free to message me if you’d like more information. 

Hi Sandra!

I’m a lender in TX and all across the country. 

Please feel free to reach out with any questions. I am happy to help. 

Hi Bhargav,

We can do 70% LTV for an STR refi. Our rates are among the lowest in the STR space at this time. and we can do 75% LTV on STR purchases.

If you’d like, I can pair you up with one of my mortgage brokers and we can help you out. Feel free to message me! 

Hi David,

Our rates start near 7%. You can pay points to get them in the 6% range. Very convenient for DSCR especially nowadays.

If you’d like, I can pair you up with one of my mortgage brokers. I have realtors that can assist you as well. 

Please reach out with any questions!

Hi Rene,

We allow 75% LTV! Plus you can use the cash out to meet your reserve requirement. A major plus.

Hi Matthias,

we can do 20% down on a triplex. AND… you can roll in your broker fee into the loan amount without affecting your rate, and you can get 6% seller concessions. Essentially, you would be putting less down if you can negotiate 6% concession from the seller. Not many lenders have this high of a concession allowance so this could be very advantageous for you. And the rate would be much better than a 10% down loan. A win win. 

Let me know if you’d like me to connect you with one of my mortgage brokers and we can help you out here! 

Hi Shai,

How many rental properties do you currently own or looking to purchase? Do you have any in mind ready to go?

I can lend on up to 4 units. No rate adjustments for 2-4 units which is massive from a lending standpoint. Which means a better interest rate for you  

 I can pair you up with realtor and I have a mortgage broker in NY for you as well. You’ll be guided every step of the way. 

Please feel free to message me. 

Hi Denise!

I lend all across the country. Tennessee and Alabama included. I have a 85% DSCR option, so we wouldn't need to even see you income nor verify employment information. This allows us to close the loan much quicker for you. We just need to make sure the property have a 1.0 ratio. Meaning rent must cover PITIA completely. Hence the 1.0 ratio.

Id be glad to set you up with one of my mortgage brokers and we could help you out with any questions! 

Hi Julia,

I do second homes and investment properties in Maine! And I have various options to allow you to qualify, not just one. 

Our rates are very competitive at this time. So I would be happy to set you up with one of my mortgage brokers and we would go over all the options to help you along the way. We will guide you, structure the loan for you, and provide you transparency so you are well equipped to make the best decision possible. 

I also have a large amount of realtors that can assist you as well. 

Hi Adonis,

We offer 90% LTV for primary residence! There would be no mortgage insurance and you could use multiple business accounts to increase your income. What're you buying exactly? and where?

I work for an all Non-QM lender and Non-QM is all we do. You can be assured we know how to underwrite the loans appropriately without headache. If you’re interested, please let me know and I can pair you up with one of my mortgage brokers and we will help you out!