68% of renters can’t afford a down payment. I carry 6 programs that fix that. Your last LO couldn’t close your deal? I have 9 Non-QM programs they’ve never heard of. Pick your situation. Run the numbers. See where you really stand.
Every calculator on this site gives you real numbers — not a sales pitch. If you unlock a report, we follow up. If you just want to run numbers, run them.
Pick the calculator that matches how you get paid. This is where quality borrowers separate from hopeful borrowers.
Built around Schedule C income logic and a property fit check that creates a real gap analysis.
Open self-employed toolOpens the live self-employed readiness tool.
Salary-based qualification diagnostic for first-time buyers. Built to answer “can I buy this house” fast.
Open W2 toolOpens the live W2 readiness tool.
Education, readiness steps, and the W2 path. Built for trust and action, not inspiration.
Open the hubEvery loan program. Every calculator. Every answer. Built for the buyers and realtors who want clarity before the contract. I carry the programs that close deals when traditional underwriting says no. If your client has non-traditional income, investment properties, or a complex financial picture — this is what I do.
Qualify on rental income, not personal income. No tax returns. No W2s. Including No-Ratio DSCR — a program most LOs don't even know exists. See all Non-QM programs →
12 or 24 month bank statements instead of tax returns. Built for self-employed borrowers whose write-offs kill their qualifying income. Learn more →
Use liquid assets to qualify instead of monthly income. Works for retirees, high-net-worth individuals, and anyone sitting on savings. Learn more →
CPA-prepared profit & loss statement. No tax returns required. Faster qualification for active business owners. Learn more →
Government-backed programs with flexible guidelines. Including manual underwriting for files that can't get AUS approval. Run the VA calculator →
Home equity conversion for homeowners 62+. Eliminate mortgage payments and access equity. Run the HECM calculator →
6 DPA programs. $0 out of pocket possible. Harvard says 68% of renters can’t afford a down payment — these programs fix that. Run the FHA + DPA calculator →
PMI drops off at 80% equity. Best rates at 740+. Compare 5%, 10%, and 20% down side by side. Run the PMI comparison →
2-1, 1-0, and 3-2-1 buydowns. Lower your payment from Day 1 — and the seller can pay for it. Run the buydown calculator →
Licensed in nearly every U.S. state through ARDRI. NMLS #844916.
These are the types of deals I close every month. Have a scenario? Send it to me and I’ll feature it here.
Two other loan officers told me I couldn’t qualify because of my write-offs. Dr. Rob ran my bank statements through a Non-QM program and I closed in 28 days. I wish I had found him first.
I send all my investor clients to Dr. Rob. He closes DSCR deals that other LOs don’t even know how to structure. My clients get funded, and I look good. That’s all I need.
Problem: First-time buyer, 605 credit, $52K salary. Thought he needed $15K saved to buy. Had $2,800 in the bank.
Solution: FHA with Forgivable Gift DPA (3.5% — no payback, no 2nd lien). 6% seller concessions covered closing costs. $275K purchase.
Result: $0 out of pocket. $1,890/mo total payment. First-generation homeowner. DPA covered $9,625 in down payment he didn Dr. Rob’s strategy session saved me from making an expensive mistake. Straightforward, no fluff.
These are playbooks. They reduce underwriting surprises and protect your buying power.
Understand how underwriters read tax returns, where buyers get stuck, and what to fix before you apply.
Step-by-step orientation to buying, costs, DTI, and the readiness sequence that keeps you out of trouble.
A practical plan to prepare credit, avoid common mistakes, and season your file the right way.
If your report shows a gap, do not guess. Bring your scenario and get a direct plan.
This is advisory and readiness planning. It is not a loan approval decision.
The goal is simple: remove surprise from the process.
If you are self-employed, deposits are not the story. The tax return is the story. If you are W2, your payment and DTI control the story.
The questions I hear every week from buyers and realtors.
It depends on the program. FHA starts at 580 with 3.5% down. Conventional typically needs 620+. Non-QM programs can work with scores in the 600s. Your score also affects your interest rate — a 40-point difference can cost or save you thousands over the life of the loan.
Yes. But the bank does not care what you deposited. They care what your tax return says. Schedule C Line 31, averaged over 24 months, is your starting number. If your write-offs killed your qualifying income, I have bank statement and P&L programs that skip the tax return entirely.
Debt Service Coverage Ratio. It qualifies you based on the rental income of the investment property, not your personal income. No tax returns. No W2s. No employment verification. If the rent covers the payment, you can close. I also offer No-Ratio DSCR — a program most loan officers do not even know exists.
Conventional and FHA loans typically close in 30–45 days. Non-QM programs can be faster — some DSCR loans close in 21 days. The biggest delays come from documentation issues, which is exactly why I built the readiness tools on this site. Run your numbers first.
Call me at 832-701-8144 or email robert@matadorlending.com. I specialize in the loan programs most LOs don’t carry — self-employed borrowers, investors, complex income, credit challenges. If your buyer got turned down somewhere else, send them to me.
A Home Equity Conversion Mortgage for homeowners 62+. It eliminates your monthly mortgage payment and lets you access your equity. Most realtors do not discuss this with their senior clients — but it is a powerful tool for retirement planning and downsizing. Run the HECM calculator →
I have been originating loans since 2012. I specialize in Non-QM lending — DSCR, bank statement, P&L, asset depletion, HECM, VA, and FHA. I built these tools because most buyers learn the rules after they are emotionally attached to a house. That timing creates denial risk, wasted money, and lost momentum.
I will tell you the truth about your readiness. I will not sell you hope. If you have a gap, you will see it, and you will get a clear plan to close it.
I don’t just close loans — I build your business with you. Personalized deal pages for your listings. Investor deal books. DPA marketing tools. Open house partnerships. And a denied file review that turns your lost deals into closings.
See What I Build for Realtors →Plus: Dr. Rob’s Houston Investor Realtor Academy — Module 1 is FREE. Start Module 1 →
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