🎖️ Air Force Veteran 🏛️ Pentagon Budget Veteran 🏠 Active Real Estate Investor

Finance Built on Precision.
Loans Built on Experience.

I spent 20 years managing Air Force finances, from forward operating bases in Iraq to the Pentagon, where I helped shape the service's multi-billion-dollar budget. I'm providing education here to help when you need someone decisive in their corner.

Schedule a Strategy Session

RE Transactions

Active Rentals

Flips Completed

Understanding The Right Loan for Every Situation

VA Loans

$0 down, no PMI, competitive rates. If you served, you've earned this benefit.

$0 Down No PMI VA IRRRL Cash-Out

Conventional / FHA

Traditional purchase and refinance loans with competitive rates for W-2 borrowers with solid credit and documented income.

3% Down Conv. 3.5% Down FHA Rate/Term Refi Cash-Out

DSCR / Rental Loans

Qualify on rental income, not your W-2. Ideal for investors scaling a portfolio.

No W-2 Needed LTR & STR 1-8 Units LLC Vesting OK

Fix & Flip

Short-term rehab financing with fast closings.

Fast Close Up to 90% LTC 6–18 Mo Terms Rehab Draws

Non-QM / Self-Employed

Bank statements, asset depletion, 1099 income, recent credit events. If a conventional lender said no, there may still be a path.

Bank Statements Asset Depletion 1099 Only Jumbo NQM

Commercial

Multi-family (5+ units), mixed-use, office, retail. Commercial loans structured around the property's cash flow and your vision.

5+ Units Mixed-Use SBA Eligible Bridge Loans

Run the Numbers

Quick Calculators

Get a ballpark payment or check your DSCR ratio.

Full Calculator Suite →

DSCR Investor Tip: Most lenders require a DSCR of 1.0 or higher. At 1.25+, you unlock better rates and terms.

Purchase Price $400,000

Down Payment 20%

Interest Rate 7.00%

Loan Term 30 years

Estimated Monthly P&I

Loan amount: $0 · Excludes taxes & insurance

Monthly Rent Income $2,500

Monthly PITIA $2,000

PITIA = Principal + Interest + Taxes + Insurance + HOA

DSCR Ratio

1.25

✓ Strong, Typically qualifies

Finance Built on Precision.Loans Built on Experience.