The Case File

Case No.004Aug 15, 2026

I'm a physician with a strong income but not much saved for a down payment. Can I buy a home now?

A physician household wired $10,000 in earnest money on an $850,000 house. At closing, the title attorney slid roughly $6,000 back across the table.

The Client: Physician household, high income, modest or low liquid savings. Pre-qualified elsewhere for a conventional loan with a standard down payment.
The Problem: The down payment. The other lender's pre-approval was accurate — and it was the wrong product. Nobody had asked what they did for a living.
The Solution: A physician loan program. Their profession + a seller credit toward closing costs their agent negotiated, and a 21-day close.
The Outcome: Total cash out of pocket on an $850,000 purchase: about $4,000. The earnest money already on deposit exceeded what was owed at the table.

Case No.003Aug 6, 2026

If I have assets but no documented income, can I purchase a house?

A retired founder was told the only way to buy a house in Nashville was to pay cash. The problem was never money.

The Client: Sold his company. No documented income. But large investment portfolio.
The Problem: On paper, he has no income. Conventional lending says no.
The Solution: Asset Depletion. Use the asset portfolio as a way to measure income.
The Outcome: Purchased the home when another bank said no

Case No.002Aug 5, 2026

Can I get a mortgage if my tax returns dont show enough income to qualify?

He had the cash, the career, and eight years of steady work. His tax returns said he could afford less than half the house he was standing in.

The Client: Musician, p&l loan, non-traditional income
The Problem: Not enough qualifying income on the tax return against a $1.1M purchase
The Solution: P&L from CPA instead of tax returns to determine income
The Outcome: Approved at $1.1M, instead of $500k

Case No.001Aug 2, 2026

Do I need two years of self-employment before I can get a mortgage?

Eighteen months into his own venture fund, a decade of experience showed up on paper as a man with no history at all.

The Client: New venture fund, real income, invisible on paper
The Problem: History of the company not long enough for conventional lending
The Solution: P&L from CPA and historical proof of industry knowledge
The Outcome: Purchased the home when another bank said no