Types of clientele
Start with the situation that sounds most like yours. Nicholas will help turn the questions into a clear financing path.
Find my starting pointUnderstand affordability, down payment, closing costs, credit, preapproval, offers, assistance, and what changes between a single-family home and a duplex.
Plan around the current home, timing, equity, bridge between transactions, occupancy, reserves, and the payment that still feels comfortable after closing.
Compare conventional, DSCR, Non-QM, multi-unit, rental-income, reserve, leverage, and liquidity tradeoffs around the property and exit plan.
Identify the likely path for business income, K-1s, bank statements, assets, variable earnings, recent employment changes, or multiple income sources before deadlines tighten.
Review rate-and-term, cash-out, HELOC, home equity loan, buyout, and reverse-mortgage paths around payment, cost, rate risk, equity, and time horizon.
Review a current Loan Estimate, rate, points, credits, mortgage insurance, cash to close, and the operational risk of switching while protecting the contract timeline.