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​​Profit and Loss Statement Loan Program - Unlocking Mortgage Approval for a Wide variety of Business Owners

Derek Bissen, March 24 2023

​Are you self-employed? And have been denied for a mortgage simply because you “didn’t show enough income” on your tax returns? You work hard—and you deserve to buy a home, just like everyone else. And yet, the sad fact is that many banks routinely deny home loans to perfectly well-qualified applicants, just because of your tax returns. If you’re...

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​DSCR Loans – The Investor Cash Flow Loan

Derek Bissen, March 13 2023

​Attention real estate investors! Are you tired of the hassle and piles of paperwork associated with traditional bank loans or the high-interest rates of hard money loans? Look no further than our DSCR - Investor Cash Flow Mortgage Program! Unlike traditional loans, no tax returns or personal income are required, and there are no complex...

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Financial Tips After Divorce In The State Of Florida

Derek Bissen, December 13 2022

Now that your divorce is finalized, here are a few tips that will help you get on top of financial matters so you can have a fresh start and peace of mind. It is difficult to overstate how important this is, but you should make it a habit of keeping digital copies of both your divorce decree and the marital settlement agreement (MSA) together...

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New Conventional and FHA Loan Size Limits for 2023

Derek Bissen, November 30 2022

Each year, The Federal Housing Finance Administration (FHFA) convenes to discuss the status of growth of the Real estate market over the most recent year. And if sales prices have increased, then they make adjustments to the maximum loan amounts for Conventional mortgages. This is done to ensure that Conventional mortgage loan programs are...

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​Part Time Second Home - A Great Way To Buy A Vacation Home While Earning Income

Derek Bissen, July 7 2022

​Have you considered buying a second house in Florida, but aren't quite ready to take that financial leap? Here is an idea that's perfect for first-time real estate investors:   A PART TIME SECOND HOME. Using our PRIVATE CLIENT PORTFOLIO PROGRAM, you can finance the home as a PART-TIME SECOND HOME. Doing it this way, you get to use the property...

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​​Cannabis Loans--Home Loans For Self-Employed Business Owners In The Cannabis Industry

Derek Bissen, July 3 2022

​If you are a business owner in the Cannabis industry and have tried applying for a home loan, then you've probably already realize how frustrating it can be to get a mortgage. It seems nearly impossible. Despite the fact that you are operating a perfectly legal enterprise, traditional banks and lenders will not lend to anyone whose business...

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When Can I Get a VA Loan After a Recent Bankruptcy, Foreclosure, or Short Sale?

Derek Bissen, July 3 2022

​​If you are an eligible Veteran, and have experienced a recent bankruptcy, foreclosure, short sale or deed-in-lieu of foreclosure, you can obtain a new VA home loan after a period of time has elapsed. Waiting periods are based on TWO factors: 1) the type of prior housing event you experienced, and2) the type of loan program for the new home loan...

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​Bank Statement Home Loans - The Business Owner's Secret Weapon

Derek Bissen, June 27 2022

​Have you been working as an independent business owner for at least 2 years? Have you been denied for a conventional home loan by a bank or credit union because you are not "showing enough income on your tax returns"? This happens to entrepreneurs across the country. The reason has to do with how banks are forced to calculate your revenue using...

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​Asset Based Mortgage – Qualify for a Home Loan Using the Cash Flow from your Liquid Investment Portfolio

Derek Bissen, June 27 2022

Do you live on investments, or do you claim so little taxable income on your tax returns that most lenders will reject your application for a mortgage? It is frustrating, we know. You know that you have more than enough cash on hand to qualify and afford your mortgage, but the bank doesn't seem to get it. Sound

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CONDOMINIUMS – Everything You Need to Know About Mortgage Financing for Condos

Derek Bissen, May 25 2022

Condos are hot here in Florida. But did you know, they can have special financing requirements?  We’re about to cover everything you need to know about Condominium financing and what you need to know about qualifying for a mortgage for this type of home. Unlike a single-family home or multi-family home, a Condominium is a unique form of...

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