The Flexible Mortgage Insider

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What Are Non-QM Mortgages and How Do They Work?  

What Are Non-QM Mortgages and How Do They Work?  Orlando Concepcion Published on: 22/05/2025

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 tax returns or W2s required!

Rapid Rescore: How Can It Help You Buy a Home Faster?

Rapid Rescore: How Can It Help You Buy a Home Faster?

Rapid Rescore: How Can It Help You Buy a Home Faster?Orlando Concepcion
Published on: 03/07/2025

This process helps update your credit report quickly to help you qualify for loans like DSCR, Bank Statement, or Profit and Loss. Find out how a rapid rescore can speed up your journey to homeownership or investment.

Investor Financing StrategiesSelf Employed Mortgage Programs
Beating the DSCR Shortfall: How I Secured 75% LTV for My Client

Beating the DSCR Shortfall: How I Secured 75% LTV for My Client

Beating the DSCR Shortfall: How I Secured 75% LTV for My ClientOrlando Concepcion
Published on: 20/06/2025

A smart adjustment that helped my client with a cash-out refinance on an existing rental property. It represented a successful strategy to improve DSCR from 0.93 to 1.0.

Investor Financing Strategies
Rejected by the Bank Again?

Rejected by the Bank Again?

Rejected by the Bank Again?Orlando Concepcion
Published on: 17/06/2025

Self-employed and denied a mortgage? Discover how bank statement loans are helping entrepreneurs, freelancers, and investors finally qualify—no tax returns needed. A smarter solution for non-traditional income.

Self Employed Mortgage Programs
Why Moving Fast with a Higher Interest Rate Can Be Smarter Than Waiting for a Better Deal

Why Moving Fast with a Higher Interest Rate Can Be Smarter Than Waiting for a Better Deal

Why Moving Fast with a Higher Interest Rate Can Be Smarter Than Waiting for a Better DealOrlando Concepcion
Published on: 26/05/2025

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 than the rate in the right scenario.

Investor Financing Strategies