Qualifying a mortgage when personal income does not reflect actual earnings.
An incorporated business owner with strong corporate cash flow but modest
personal declared income. An alternative-lender placement structured as a stepping
stone, with a planned move to conventional pricing later.
Restructuring income to qualify for a secondary property.
A self-employed plumber whose income had been optimized for tax efficiency in a way that read as unstable to lenders. We made targeted adjustments before year end to qualify cleanly, and built a forward plan to support future borrowing.