Your Commercial Loan Is Due.
We Have the Refinance Solution.
Even if your tax returns don’t show enough income to debt service — we qualify you on actual cash flow. Self-employed, 1099, high write-offs, maturing loans. We close deals banks turn down.
Why Commercial Borrowers Come to Us
These are the exact situations we solve every week. If yours is on this list, your deal is likely still financeable — just not at a conventional bank.
Tax Returns Show Too Little Income
Write-offs, depreciation, and pass-through losses make your taxable income look low — even when your property generates strong monthly cash flow. Banks see a paper loss. We see the real picture.
Loan Maturing & Bank Won’t Renew
Your bank revised its DSCR at today’s rates and now wants a large paydown — or is walking away entirely. You need a bridge fast, with a clear exit to permanent financing.
DSCR Is Too Low to Qualify
Rising interest rates have crushed debt service ratios across commercial real estate. Conventional lenders are declining deals that were perfectly financeable 18 months ago.
Self-Employed or 1099 Income
No W-2 means banks average your income over two years and penalize growth. Your current income may be double what the bank is counting — and we can use it.
Hard Money Note Coming Due
Short-term hard money secured the deal. Now it’s maturing and you need to refinance out into longer-term, more affordable permanent financing before the clock runs out.
Want to Pull Cash Out to Reinvest
Your property has appreciated significantly. You want to access that equity for renovations, acquisitions, or business capital — but your tax return is blocking approval.
Two Paths to Getting Your Deal Done
We don’t submit your file everywhere and hope. We evaluate your real situation first, then match you to the program built for your borrower profile — no tax returns required.
No Tax Return & Alt-Doc Refinance
Qualify on bank statements, 1099 income, or property cash flow — not your Schedule C. Built for self-employed borrowers and investors whose write-offs, depreciation, or pass-through losses work against them at conventional lenders. 30-year terms available on investment CRE.
🔥 Fastest Growing ProgramBridge Loan for Maturing & Transitional CRE
12–36 month bridge financing when your lender won’t renew or is requiring a large paydown. Asset-based underwriting with no rigid DSCR minimums. Close in weeks. Covers hotels, multifamily, mixed-use, retail, and self-storage — with a clear exit to permanent alt-doc or agency financing at stabilization.
⚡ $163B Maturing in 2026Borrowers Who Are Eligible Right Now
If your situation appears below, you likely qualify for a refinance program — even if a bank has already told you no.
Loan Maturing in 6–18 Months
Bank won’t renew or requiring large paydown. Bridge financing available fast.
Self-Employed or 1099 Income
No W-2, income averaged unfairly, or growth year penalized. Alt-doc programs available.
High Write-Offs & Depreciation
Taxable income is low on paper but actual cash flow is strong. We qualify on deposits.
Investment CRE: Apartments, Hotels, Retail
Property generates real income. DSCR based on actual NOI, not tax returns.
Cash-Out Refinance Needed
Property has equity. Want to reinvest it — but tax returns are blocking conventional approval.
Hard Money Note Coming Due
Short-term hard money secured the deal. Need to refinance out into longer-term permanent financing.
From First Call to Closed Loan
A straightforward process designed around your timeline — not ours.
Free 15-Min Strategy Call
We review your real situation — loan amount, maturity date, income type, property performance.
Program Match
We identify which refinance program fits your borrower profile and structure the file correctly before submission.
Letter of Intent
You receive a written LOI within 5 business days — so you know exactly where you stand.
Close
We stay with you through underwriting and closing. No surprises, no falling apart at the finish line.
Borrowers Who Were Told No — Then Got Funded
After being turned down by multiple banks, we secured $6,003,000 in hotel construction financing. Karen’s understanding of complex hospitality projects made all the difference.
My bank required a $400K paydown at renewal. Karen placed bridge financing in three weeks and structured a clear exit. I kept my property and my cash.
Karen helped us refinance $6 million in apartment properties after a difficult transition. Her diligence and expertise were unmatched.
Karen Schimpf
Karen spent years on the other side of the underwriting desk at Chase and Wells Fargo. She knows exactly how lenders evaluate self-employed and 1099 borrowers — which is why she knows how to structure the deals banks reject. Her proprietary Loan Matching Methodology™ evaluates your real income picture — not just the tax return — and places your file with lenders whose credit appetite is built to approve it.
Don’t Wait Until Your Maturity Date
Is 30 Days Away.
Options close fast. A 15-minute call is all it takes to know whether your deal is financeable — and what your best path looks like.
Schedule Your Free Strategy Call
No obligation. No cost. Just straight answers about your deal.
📞 (512) 358-1511- Letter of Intent issued within 5 business days
- No tax return programs available
- Bridge loans for maturing CRE
- Cash-out refinance programs available
- Nationwide — not just Texas