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 | Sep 5, 2026 | Asset Qualifier, Non-QM Lending, Tips and Tricks
An Asset Qualifier loan turns your client’s balance sheet into their income, closing the deal for a borrower who has millions in the bank but a tax return that says otherwise. Some of the strongest borrowers your partners will meet do not have a paycheck to...
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,...
