by Keith Quinney | Oct 5, 2026 | Broker Guide, Non-QM Lending, Tips and Tricks
Five borrower types show up in every wholesale pipeline, and each one gets declined by a conventional underwriter for a reason that has nothing to do with their ability to repay. Conventional guidelines are built around a narrow definition of a qualified borrower:...
by Keith Quinney | Sep 28, 2026 | Broker Guide, Market Analysis, Non-QM Lending, Tips and Tricks
Cannabis income has been effectively unusable in most mortgage underwriting for years, and the ground under that is shifting. Legal-state cannabis employment and business ownership have grown for a decade while most mortgage underwriting refused to touch the income...
by Keith Quinney | Aug 18, 2026 | Broker Guide, Market Analysis, Non-QM Lending, Tips and Tricks
BRRRR loans let your investor clients recycle one pool of capital across an entire rental portfolio, and AHL funds both halves of the strategy in house. ● TL;DRKey TakeawaysThe six things to know before you structure a BRRRR deal. 01 BRRRR is two loans, not one. A...
by Keith Quinney | Aug 10, 2026 | Broker Guide, Market Analysis, Non-QM Lending, Tips and Tricks
The 2026 condo rule changes loosened some requirements and tightened others, but the biggest shift is moving from a more LTV-based approach to a full look at the HOA’s financial health. ●TL;DR Key Takeaways The six changes to know before your next condo file....
by Keith Quinney | Jul 27, 2026 | 1099 Loans, Broker Guide, Market Analysis, Tips and Tricks
1099 mortgage loans qualify your independent contractor clients on the income their 1099s report, not the number left after Schedule C write-downs. A growing share of the borrowers your partners work with are paid on a 1099 instead of a W-2. Real estate agents,...
by Keith Quinney | Jul 23, 2026 | Broker Guide, DSCR Insights, Market Analysis
A non-warrantable condo is any condominium project that fails Fannie Mae or Freddie Mac eligibility. Conventional financing is off the table. The deal still closes, but only if the broker knows where to take it. Non-warrantable condo deals used to be a niche corner of...
