Real-world examples of complex mortgage solutions (details anonymized).
For self-employed borrowers, tax returns often understate real income. Here’s how one San Diego consultant qualified for an $895K mortgage using bank statements — no tax returns required.
A retired La Jolla physician had $4.2M in assets but no W-2 income. Here’s how asset depletion lending made his dream home purchase possible.
When a successful business owner came to us wanting to buy a $2.8M home in San Diego, his financial advisor was worried. Liquidating enough from his investment portfolio to put 20% down would have triggered a significant tax event. Here’s how we solved it.