Client Profile Name: Malik J. Age: 34 Profession: Real Estate Investor / Property Manager Location: Columbus, OH First Property Purchase Price: $148,000 Rehab Budget: $31,000 ARV (After Repair Value): $225,000 Loan Types Used: Fix & Flip → DSCR Refinance Exit Strategy: Reuse equity for
Client Profile Name: José R. Age: 38 Country of Origin: Mexico Location: Bakersfield, CA Profession: Restaurant Owner (sole proprietor) Purchase Price: $312,000 Loan Type: ITIN Mortgage Down Payment: 20% U.S. Credit: None ITIN Provided: Yes The Challenge José had lived and worked in the U.S.
Client Profile Name: Camila B. Age: 45 Nationality: Brazilian (São Paulo-based architect) Location of Property: Miami, FL Property Type: Luxury condo in Brickell Original Purchase Price: $685,000 Appraised Value at Refi: $880,000 Cash-Out Amount: $120,000 Loan Type: Foreign National Refinance Loan Credit Score: No U.S.
Client Profile Name: Antoine R. Age: 51 Nationality: Canadian (Toronto-based business owner) Location of Property: Sarasota, FL Home Type: 4-bed vacation rental near the beach Purchase Price: $728,000 Loan Type: Foreign National Loan Down Payment: 30% U.S. Credit History: None The Challenge Antoine was
Client Profile Names: Robert & Elaine T. Ages: 67 & 65 Professions: Semi-Retired Business Owner & Former Art Gallery Director Location: Santa Barbara, CA Home Value: $1.35M Original Loan Balance: $685,000 Cash-Out Refinance Amount: $150,000 Loan Type: Asset Depletion Refinance Credit Scores: 726 &
Client Profile Name: Malik J. Age: 34 Profession: Real Estate Investor / Property Manager Location: Columbus, OH First Property Purchase Price: $148,000 Rehab Budget: $31,000 ARV (After Repair Value): $225,000 Loan Types Used: Fix & Flip → DSCR Refinance Exit Strategy: Reuse equity for
Client Profile Name: José R. Age: 38 Country of Origin: Mexico Location: Bakersfield, CA Profession: Restaurant Owner (sole proprietor) Purchase Price: $312,000 Loan Type: ITIN Mortgage Down Payment: 20% U.S. Credit: None ITIN Provided: Yes The Challenge José had lived and worked in the U.S.
Client Profile Name: Camila B. Age: 45 Nationality: Brazilian (São Paulo-based architect) Location of Property: Miami, FL Property Type: Luxury condo in Brickell Original Purchase Price: $685,000 Appraised Value at Refi: $880,000 Cash-Out Amount: $120,000 Loan Type: Foreign National Refinance Loan Credit Score: No U.S.
Client Profile Name: Antoine R. Age: 51 Nationality: Canadian (Toronto-based business owner) Location of Property: Sarasota, FL Home Type: 4-bed vacation rental near the beach Purchase Price: $728,000 Loan Type: Foreign National Loan Down Payment: 30% U.S. Credit History: None The Challenge Antoine was
Client Profile Names: Robert & Elaine T. Ages: 67 & 65 Professions: Semi-Retired Business Owner & Former Art Gallery Director Location: Santa Barbara, CA Home Value: $1.35M Original Loan Balance: $685,000 Cash-Out Refinance Amount: $150,000 Loan Type: Asset Depletion Refinance Credit Scores: 726 &