Self-employed and 1099 income
Study the documentation method before the contract depends on an assumed income number.
Mortgage strategy for real estate professionals
Send the problem before it becomes fallout.
Use Dr. Rob for pre-offer mortgage strategy, complex-income borrowers, difficult-file analysis, and transactions that need a clear second look.
The lane
Keep clean files where they work. Bring me the ones that need analysis.
The relationship gets stronger when the right lender solves the right problem.
Denied or stalled files
Identify the actual cause and determine whether another path deserves review.
Property-driven problems
Taxes, insurance, HOA, property type, appraisal, occupancy, and investor rules can change the answer.
Contract deadlines
Bring the financing deadline, closing date, and builder or seller requirements into the first conversation.
A clean introduction
Use a simple handoff.
“Dr. Rob, I have a buyer whose file needs a closer look. [First name] is trying to purchase in [area/price range]. The main issue appears to be [income, DTI, cash, credit, property, prior denial]. The key deadline is [date]. I’ve copied the buyer so you can coordinate directly.”
Do not send through ordinary email
- Social Security numbers
- Full credit reports
- Tax returns
- Bank statements
- Account numbers
- Identification documents
Start with the broad scenario. Dr. Rob will provide a secure path for detailed records.
Common questions
How the partnership works.
Will Dr. Rob try to replace my preferred lender?
No. The best use case is early strategy, complex income, difficult-file review, or a buyer who needs another analysis.
Can I send a scenario before the buyer applies?
Yes, as long as private information is handled appropriately and the buyer authorizes direct contact when needed.
Will I receive status updates?
Transaction communication should be coordinated with the borrower’s consent and company procedures.
Can Dr. Rob work with builder transactions?
Yes. Builder incentives and preferred-lender requirements should be reviewed alongside the buyer’s qualification and total transaction economics.
Have a difficult scenario?
Give me the facts and the deadline.
I will tell you what needs to be investigated before anybody sells the buyer another promise.