December Reset: The 2025–2026 Homebuyer Strategy Session

If you’ve got clients who don’t fit the traditional mold — self-employed, investors, foreign nationals, or homeowners trying to tap equity — I’ve got December-ready solutions designed to get them across the finish line without the holiday slowdown.

Here’s what’s working right now:

• Bank Statement / 1099 / Full-Doc Non-QMPerfect for self-employed buyers or anyone with non-traditional income. Loan amounts to $3M+, competitive LTVs, interest-only options, and FICO down to 620. Even recent late payments aren’t an automatic deal-killer.

• DSCR Investor LoansFor your rental-property buyers (including STRs). Qualify using rental income only. Loan amounts up to $3M+ and options for 5–8 unit properties. Fast closes for investors trying to pick something up before year-end.

• Foreign National OptionsUp to $1.5M with simplified documentation and flexible LTVs — ideal for international buyers trying to get into U.S. real estate before 2026.

• Second-Lien / HELOANGreat for homeowners pulling cash for upgrades, investments, or debt consolidation. Straightforward underwriting and quick approvals.

If you’ve got someone on the fence or a deal hitting friction, send it over — I’ll run it and let you know exactly what’s possible. Let’s stack a few more wins before the year wraps.