Self-employed, 1099, investor? Your tax returns don't tell the full story — and they shouldn't have to. Paul qualifies you on how your business actually performs.
No credit pull. Response within 2 hours.
Four programs designed around how self-employed people and investors actually earn — not what the W-2 world expects.
Qualify on rental income, not personal income. Built for real estate investors scaling a portfolio.
Learn More →CPA-prepared P&L statements replace tax returns. Write-offs don't kill your deal here.
Learn More →12–24 months of deposits tell your real story. Built for 1099 earners and business owners.
Learn More →Qualified on liquid assets, not income. Ideal for early retirees and high-net-worth borrowers.
Learn More →Non-QM doesn't have to feel complicated. Here's exactly what to expect.
A 15-minute conversation to understand your income type, property goals, and timeline. No docs required upfront.
Paul identifies which of the four non-QM programs fits your scenario and what documentation you'll need.
You'll know exactly where you stand at every stage. Most non-QM deals close in 21–30 days.
Estimate monthly payment, check your DSCR ratio, or calculate asset depletion qualifying income.
These are estimates only. Your actual terms depend on credit, property type, and loan program. Paul will walk you through real numbers on your first call.
"Two other lenders turned us down because of write-offs. Paul closed our loan using bank statements in 24 days. Game changer."
"Used DSCR to add two rentals to my portfolio this year. Paul made the process simple and kept me updated the entire time."
"My CPA referred me to Paul. The P&L program was perfect for our situation. Closed without a single tax return required."
Paul works directly with real estate agents, CPAs, and financial advisors to close the deals traditional lenders can't touch. You get updates at every stage.
Partner With Paul →Send your self-employed buyers and investors. Paul closes the ones your lender couldn't.
Your business-owner clients with aggressive write-offs — Paul has a program for them.
Asset depletion and DSCR programs built for the clients in your wealth management book.
Non-QM mortgage solutions for self-employed borrowers and investors across Central Ohio — and licensed in 20+ states.