Freddie Bayo

1099-Only Loan Solutions for Self-Employed Borrowers

Finding the right home loan can be tough when you’re self-employed. Traditional loans often require full tax returns, which can hurt your approval chances. Consequently, that’s why many lenders now offer 1099-only loan solutions for self-employed borrowers—a flexible, simple way to qualify based on your actual earnings. No Tax Returns Needed Most self-employed people write

1099-Only Loan Solutions for Self-Employed Borrowers Read More »

How P&L Loans Work for Self-Employed Borrowers

Self-employed borrowers often face tough challenges when applying for traditional home loans. Fortunately, a new option exists—P&L-only loans. These loans provide an easier way for entrepreneurs, freelancers, and business owners to qualify for financing. Hence, let’s break down how P&L-Only Loans work for self-employed borrowers and why they’re a smart solution. No Tax Returns Required

How P&L Loans Work for Self-Employed Borrowers Read More »

DSCR Loans: How Investors Qualify Based on Rental Income, Not Personal Income

Investing in real estate can be an exciting way to build wealth. However, many traditional loans require proof of steady income, tax returns, and employment history. That’s where DSCR loans come in. Clearly, these loans use property income, not personal income, to qualify investors. Let’s explore how they work. Qualify Using Property Cash Flow DSCR

DSCR Loans: How Investors Qualify Based on Rental Income, Not Personal Income Read More »

Non-QM Bridge Loans Make Buying Before Selling Possible

Buying a new home before selling your current one can be tough. But there is a solution that works well. That is, Non-QM bridge loans make buying before selling possible by offering flexible and short-term financing. Clearly, this option helps buyers move forward without delays or lost opportunities. Skip the Sale Contingency In hot markets,

Non-QM Bridge Loans Make Buying Before Selling Possible Read More »