Flexible Mortgage Solutions for Real Estate Investors and Self Employed Borrowers
Specializing in DSCR and Non-QM Loans Tailored to Your Needs
DSCR Investment Loan Program
Use rental income to qualify — no tax returns or W2s required. Ideal for real estate investors.
Bank Statement Loan Program
Use 12–24 months of bank deposits to qualify — no tax returns needed. Great for self-employed borrowers.
Profit & Loss Loan Program
Qualify using a CPA / PTIN Tax preparer-prepared Profit & Loss statement — no tax returns required. Great for business owners with non-traditional income.
You'll be redirected to my official Jet Direct Mortgage page to complete your request
DSCR Loans: Qualify Based on Property Cash Flow
❌ Can't qualify for a mortgage because your personal income is too low or inconsistent
✅Solution: DSCR loans qualify you based on the rental income of the property — not your tax returns or W2s.
❌ Your traditional lenders don’t understand real estate investors' financial structure
✅ Solution: DSCR loans are designed specifically for investors — no income verification or employment history required.
❌ You have too many hoops with banks — delays, conditions, and red tape
✅ Solution: DSCR loans offer faster approval and funding, with fewer underwriting headaches.
❌ You missed opportunities because they can’t close quickly
✅ Solution: With a DSCR loan, you can act fast — close quickly on income-producing properties and scale your portfolio.
❌ Tired of explaining write-offs and expenses every time they apply
✅ Solution: DSCR loans don’t care about write-offs — just that the rent covers the mortgage (typically 1.0+ DSCR ratio).
You'll be redirected to my official Jet Direct Mortgage page to complete your request
Bank Statement Loans: Qualify Without Tax Returns or W2s — Great for 1099 and Self-Employed Borrowers
❌ Can't show enough income on tax returns
✅ Solution: Use 12–24 months of bank deposits instead — no tax returns required.
❌ Self-employed income is too complex for traditional lenders
✅ Solution: Lenders focus on actual deposits, not P&Ls or write-offs.
❌ Frustrated by constant document requests
✅ Solution: One-time submission of business/personal bank statements simplifies the process.
❌ Lost deals due to long approval timelines
✅ Solution: Faster underwriting — no traditional income docs = less friction.
❌ Tax return requirements make it hard to show your true income
✅ Solution: Bank statement loans use your actual bank deposits, giving a clearer picture of your earning power—no tax returns needed.
You'll be redirected to my official Jet Direct Mortgage page to complete your request
Profit & Loss Loans: Qualify Without Traditional Income Proofs -
Great for business owners with non-traditional income or large deductions
❌ Traditional lenders won’t approve you due to high deductions
✅ Solution: P&L loans look at net business income, not just tax filings.
❌ You're a business owner with fluctuating income
✅ Solution: Qualify based on your Profit & Loss statement — no W2s needed.
❌ Tax returns make your income look too low
✅ Solution: Use CPA/Tax Preparer-Prepared P&L statements instead.
❌ The loan process takes too long and is too invasive
✅ Solution: Faster approvals with fewer income documents required.
❌ You’re frustrated that your real income isn’t reflected in your tax returns
✅ Solution: Profit & Loss loans let you qualify using true business cash flow — not what’s minimized for taxes.
⭐️⭐️⭐️⭐️⭐️
“Got approved without showing my tax returns.”
I’m self-employed and had been turned down by two banks. Orlando got me qualified using my bank statements and closed fast. Highly recommend for any investor needing a flexible mortgage solution.
Jorge N., Houston, TX
⭐️⭐️⭐️⭐️⭐️
“Finally someone who understands real estate investors.”
The DSCR loan Orlando arranged helped me close on a duplex with no income verification. The process was simple, and he explained everything clearly. I’m already planning my next investment with him.
Carlos T., Tampa, FL
⭐️⭐️⭐️⭐️⭐️
“Stress-free and efficient from start to finish.”
I used a P&L loan because I have complex business income. Orlando’s team worked with my CPA and got it done quickly. No tax return drama — just results.
Michelle D., Scottsdale, AZ
Why Moving Fast with a Higher Interest Rate Can Be Smarter Than Waiting for a Better Deal
Discover why acting fast—even with a high-interest loan—can lead to major real estate gains. Learn how Non-QM and hard money loans helped one investor secure a $1.2M property for $600K. Speed matters ... ...more
Investor Financing Strategies
May 26, 2025•3 min read
What Are Non-QM Mortgages and How Do They Work?
Struggling to qualify for a traditional mortgage? Discover how Non-QM loans offer flexible solutions for self-employed borrowers and investors. Learn how you can finally buy the home of your dreams—no... ...more
Investor Financing Strategies ,Self Employed Mortgage Programs
May 22, 2025•3 min read
DSCR Loans Explained: No-Income Verification for Investment Properties
Learn how DSCR loans work and why they’re ideal for real estate investors. No income verification, fast approvals, and flexible terms — perfect for building your rental portfolio. ...more
Investor Financing Strategies
May 21, 2025•5 min read
This website is owned and maintained by Orlando Concepcion, a licensed Mortgage Loan Originator NMLS ID: 2303331 affiliated with Jet Direct Mortgage. The information provided is for educational and informational purposes only and does not constitute a mortgage application, loan offer, or official advice. This site is not affiliated with Jet Direct Mortgage and is intended solely as a personal platform to help consumers better understand real estate investing and Non-QM mortgage solutions such as DSCR, bank statement, and profit & loss loans. If you would like to apply for a mortgage or speak with Orlando in his official capacity as a licensed loan originator, please visit: https://jetdirectmortgage.com/orlando/