This page would be built specifically for you — your name, your brokerage, your market area, and your active listings. Your clients see the loan programs and math before they call.
Below are example listings showing how I'd break down the financing for your buyers and investors. Every number is real math — not marketing fluff.
$369,000
DSCR: 0.73 — Below 1.0 but qualifies for No-Ratio DSCR program.
25% down: $92,250 | Loan: $276,750 | P&I: $1,935/mo at 7.5% | Total PITI: $3,134/mo | Market Rent: $2,300/mo | Cash flow gap: -$834/mo | Strategy: No-Ratio DSCR — qualify without income, equity play in appreciating Katy corridor.
$285,000
DSCR: 1.15 — Cash flows day one.
25% down: $71,250 | Loan: $213,750 | P&I: $1,496/mo at 7.5% | Total PITI: $2,280/mo | Market Rent: $2,400/mo | Monthly surplus: +$120 | Strategy: Standard DSCR. No tax returns. Close in 21 days.
$445,000
Self-employed buyer — tax returns show $48K. Bank deposits show $14K/mo.
12-month bank statement program: avg deposits $14,200/mo × 50% expense factor = $7,100/mo qualifying income. Qualifies at $445K with 10% down. No tax returns needed.
$350,000 Home
Forgivable Gift DPA covers 3.5% down. Seller pays 6% closing costs.
FHA down: $12,250 | DPA covers: $12,250 | Buyer cash: $0 | Total loan w/UFMIP: $343,637 | Payment: $2,580/mo (PITI + MIP) | Seller concession: $21,000 covers closing. Estimated cash to close: $0.
$380,000 Home
$0 down. $0 PMI. Seller pays closing.
VA funding fee (first use): $8,170 financed | Total loan: $388,170 | P&I: $2,389/mo at 6.0% | Total PITI: $3,189/mo | No PMI ever. Seller pays 4% = $15,200 toward closing. Manual underwriting available for credit events.
$400,000 Home
Seller funds 2-1 buydown. Year 1 rate: 4.5% (vs 6.5% note).
10% down: $40,000 | Loan: $360,000 | Year 1 P&I: $1,824/mo (at 4.5%) | Year 2: $2,088/mo (at 5.5%) | Year 3+: $2,275/mo (at 6.5%) | Buydown cost: ~$8,100 from seller concessions. Buyer saves $451/mo in Year 1.
Every program I carry — available for your clients right now.
$0 out of pocket possible. Forgivable gifts, grants, 2nd liens. 580+ credit. Details →
PMI drops off at 80%. 3-20% down. Best rates at 740+. Details →
$0 down. $0 PMI. Joint entitlement for married veterans. Details →
Homeowners 62+. No monthly payments. Details →
Investor loans based on rental income. No tax returns. Details →
Self-employed. No tax returns needed. Details →
CPA-prepared P&L. Fastest self-employed path. Details →
Qualify on savings/investments. No income needed. Details →
90% LTV no MI. 660+ FICO. No tax returns. Details →
Recent credit event? Close immediately. Details →
No SSN required. Tax-filing borrowers. Details →
Seller-funded lower payments. Details →
I build these pages for free for my realtor partners. Your name, your brokerage, your listings, your market area. You send the link to clients and they see the math before they call. No other loan officer in Houston does this.
Call me. I'll build it. No cost. No contract. Just results.
☎ Call 832-701-8144 Back to Realtor Resources