Your rent roll or your bank statements — that's all we need to qualify you.
Simplified Capital funds investment properties on the property's cash flow and self-employed borrowers on their real deposits, not a W-2. Standard financing available too — we'll tell you which path is actually faster.
Two very different files. Same simple process.
Toggle between the two profiles we specialize in and see exactly what qualifies you.
Qualify on the property, not your paycheck
DSCR loans use the subject property's rental income to size the loan — your personal income is never part of the equation.
Qualify on what your business deposits
Bank statement and P&L programs use your actual cash flow — no tax returns, no transcripts, no add-backs to justify.
Investor and self-employed lending — plus the standard stuff, done right.
DSCR Investment Loans
Purchase, refinance, or cash-out on rental property using cash flow, not income.
Bank Statement Loans
For business owners whose deposits tell a better story than their tax return.
P&L Only
A simple profit & loss statement in place of full documentation — no CPA prep required.
Conventional
Fannie Mae / Freddie Mac loans with competitive agency-backed rates.
FHA
Lower down payment options for owner-occupant buyers.
Hard Money / Fix-and-Flip
Short-term, asset-based capital for renovation and resale timelines.
Reverse Mortgage
Equity access for homeowners 62+ with no monthly payment.
Ground-Up Construction
Financing for new builds and multi-unit development.
Foreclosure Bailout
Fast capital to protect equity and stop a foreclosure timeline.
Reviews, straight from Google.
A mortgage brokerage that actually understands investor and self-employed files.
Most brokers treat DSCR and bank statement loans as an afterthought. Here, they're the specialty — because investment property and self-employed income are how real wealth actually gets built.
Founded by Stephen Caceda and built to stay lean, so every file is handled by a loan officer who knows these programs inside and out, backed by direct communication from first conversation to closing.
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