🎖️ Air Force Veteran, 20 Years 🏛️ Pentagon Budget Veteran 🏠 Active Real Estate Investor NMLS #2685338

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. Now I put that same precision to work closing loans for veterans, real estate investors, and borrowers who need someone decisive in their corner.

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Dane Franta, Air Force Veteran, Loan Officer
54
RE Transactions
12
Active Rentals
9
Flips Completed
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Find Your Loan in 60 Seconds

Answer five quick questions and I'll reach out with the right options for your situation, no obligation, no hard credit pull.

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What's your primary goal?
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Who I Work With

The Right Loan for Your Situation

Three different borrowers. Three areas where my background gives you a real advantage.

Veterans & Military

As a 20-year Air Force officer with two deployments, I understand your service (and your VA benefits) from the inside. I'll help you use every dollar of entitlement you've earned.

VA Purchase VA Cash-Out Refi VA IRRRL $0 Down No PMI
Learn about VA loans →

Real Estate Investors

I own 12 long-term rentals and have completed 9 fix-and-flips. When I analyze your deal, I'm looking at it the same way I look at my own portfolio, with a genuine investor's eye.

DSCR Loans Fix & Flip Portfolio Loans No W-2 Required Commercial
Investor loan options →

Self-Employed & NQM

Banks love W-2s. Real life is messier. If you're self-employed, have variable income, or were told "no" elsewhere, non-QM lending was built for you. Let's find a path.

Bank Statement Loans Asset Depletion 1099 Income Recent BK/FC OK Jumbo NQM
NQM options →
Run the Numbers

Quick Calculators

Get a ballpark payment or check your DSCR ratio before we talk. These are estimates, I'll build you a precise quote when we connect.

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DSCR Investor Tip: Most lenders require a DSCR of 1.0 or higher. At 1.25+, you unlock better rates and terms. Run your numbers below before we talk deal structure.

Purchase Price $400,000
Down Payment 20%
Interest Rate 7.00%
Loan Term 30 years
Estimated Monthly P&I
$0
Loan amount: $0 · Excludes taxes & insurance
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Monthly Rent Income $2,500
Monthly PITIA $2,000

PITIA = Principal + Interest + Taxes + Insurance + HOA

DSCR Ratio
1.25
✓ Strong, Typically qualifies
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Lt. Colonel Dane Franta, USAF
About Dane

Air Force Veteran. Pentagon Budget Advisor. Your Loan Officer.

Dane Franta · Air Force Veteran · NMLS #2685338

I spent 20 years in the Air Force managing money at every level, from a forward operating base in Baghdad to the halls of the Pentagon, where I helped shape the Air Force's future-year defense budget as an advisor to the Assistant Secretary for Financial Management.

I retired as a Lieutenant Colonel having commanded multiple squadrons and led teams of up to 150 people. I hold a BS in Economics and an MA in International Relations, and I've been a licensed real estate investor throughout.

I didn't pivot to lending, I applied two decades of financial discipline directly to it.

$325M
Managed Annually
150
Personnel Led
20 Yrs
Air Force Service
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Loan Products

The Right Loan for Every Situation

TRID, non-QM, and commercial, if there's a path to a loan that makes sense for you, we'll find it.

VA Loans

$0 down, no PMI, competitive rates. If you served, you've earned this benefit. Let's make sure you use it correctly.

$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. I run DSCR loans on my own rentals.

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

Fix & Flip

Short-term rehab financing with fast closings. I've completed 9 flips myself, I know what a realistic ARV and timeline looks like.

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
Ready to Move Forward?

Let's Make a Decisive Financial Decision.

Whether you're buying your first home, scaling a rental portfolio, or navigating a situation that doesn't fit a standard box, let's talk through your options. No pressure, no jargon.

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