Texas Mortgage Solutions for Real Estate Investors & Self-Employed Borrowers
DSCR · Bank Statement · Non-QM · Investment Property Financing
Traditional mortgage guidelines don't work for every borrower. Mike Keys helps Texas real estate investors, entrepreneurs, business owners and self-employed borrowers find mortgage solutions built around how they actually earn, invest and build wealth.
Conventional · FHA · VA · Jumbo financing also available. See all programs
Two very different files. Two very different strategies.
I'm a Real Estate Investor
Rental portfolios, short-term rentals, LLC vesting, and properties that need to qualify on their own income rather than your tax returns.
- DSCR loans — qualify on property cash flow
- Investment property purchases & refinances
- Multiple financed properties and portfolio growth
- Title vesting in an LLC where the program allows
I'm Self-Employed
Business owners, 1099 contractors and entrepreneurs whose write-offs make traditional tax-return underwriting work against them.
- Bank statement loans — qualify on deposits
- 1099 and profit-and-loss documentation paths
- Asset-based qualification options
- Agency comparison when tax returns still win
Non-QM lending is not a fallback. It's the practice.
Most loan officers treat these programs as an exception. Here they're the focus — which means faster answers on the scenarios other lenders send back as a decline. Eligibility, documentation and terms vary by lender and program.
DSCR Loans
Qualify an investment property on its own rental income. No tax returns, no personal DTI in the primary calculation.
Bank Statement Loans
12 or 24 months of qualifying deposits in place of tax returns — built for self-employed Texans.
Non-QM Loans
Alternative documentation, unique properties and complex income scenarios outside agency guidelines.
English & Spanish Mortgage Assistance
Buying a home is one of life's biggest decisions, and clear communication matters. We proudly assist Texas homebuyers, homeowners, investors, and self-employed borrowers in both English and Spanish.
Whether you're purchasing your first home, refinancing, investing, or exploring your options, we're here to help every step of the way.
Asistencia Hipotecaria en Inglés y Español
Comprar una casa es una de las decisiones más importantes de la vida, y una buena comunicación hace la diferencia.
Con gusto ayudamos a compradores de vivienda, propietarios, inversionistas y trabajadores independientes en todo Texas, tanto en inglés como en español.
Estamos aquí para ayudarle durante cada etapa del proceso hipotecario.
A finance background.
A relationship-first approach.
Solutions that actually close.
Before mortgages, Mike Keys built a career in finance — where numbers had to be right and clients had to be heard. He brings that same discipline to every file: fast communication, creative structure, and a plan you can actually understand.
First-time buyers. Move-up families. Investors building a portfolio. Self-employed Texans whose tax returns don't tell the whole story. Whatever the path, the goal is the same: unlock the opportunity in front of you.
deserves a lender
who answers the phone."
Traditional financing, handled with the same care.
Buying a primary residence? Conventional, FHA, VA, USDA, Jumbo and down payment assistance are all part of the practice.
Conventional
The classic path to ownership — flexible, fast, and competitive.
FHA Loans
Low down payment, forgiving credit — ideal for first-time buyers.
VA Loans
Earned by service. Zero down, no PMI, exceptional terms.
USDA Loans
100% financing for eligible rural and suburban Texas homes.
Jumbo Loans
High-balance financing for Texas luxury and premium markets.
Investment Property Loans
Purchase and portfolio strategies for Texas real estate investors.
Down Payment Assistance
Programs that help Texans get to the closing table sooner.
Commercial Financing
Multifamily, mixed-use, and commercial acquisitions across Texas.
Refinance
Lower your rate, shorten your term, or restructure the loan you already have.
Cash-Out Refinance
Tap Texas home equity for renovations, debt payoff, or investment.
HELOC Home Loan
A flexible line of credit secured by your Texas home equity.
A mortgage lender who knows the market.
Local pages for every major Texas market — tax rates, MUD notes, neighborhoods, and the programs that fit.
A partner who moves at the pace of your life.
Fast, direct communication
Real answers, quickly. No portal hide-and-seek — you'll always know where your file stands.
Creative financing
When the standard box doesn't fit, we structure around it: Non-QM, DSCR, bank statement, bridge.
Personalized strategy
Every file starts with your goals — not a product menu. The loan should serve the plan.
Texas expert
Every market in the state — Houston, Dallas, Austin, San Antonio, Fort Worth and everywhere between.
Responsive service
Nights, weekends, closing day. The moments that matter most rarely happen 9-to-5.
Relationship first
Most of my business comes from repeat clients and referrals. That's the standard.
Start with the two that matter most.
The investor and self-employed playbooks cover the documentation, math and structure questions that come up on nearly every specialty file.
The Self-Employed Borrower Guide
How to qualify with 1099, business, or bank statement income — with the strategy that gets you approved.
Get the guideThe Texas Investor's Financing Playbook
DSCR, portfolio, and conventional investor financing — how to scale a Texas rental portfolio.
Get the guideThe Texas First-Time Buyer Guide
The full first-time buyer sequence — from credit prep to closing day — written for the Texas market.
Get the guideThe Texas Mortgage Checklist
A one-page document and step checklist so nothing gets missed between application and closing.
Get the guideThe 60-Day Home Buying Timeline
A calendar view of what happens — and when — from the day you apply to the day you get keys.
Get the guideHave a buyer your traditional lender can't approve?
Self-employed buyers. Investors on their fourth or fifth property. LLC purchases. Non-warrantable condos. Files that come back as a decline elsewhere are the files this practice is built around.
Send the scenario before you write the offer and get a straight answer on whether a DSCR, bank statement or Non-QM path may work — so your listing or buyer doesn't stall two weeks into contract. Eligibility and terms vary by lender and program.
Fast Communication
Quick responses by phone, text, and email so you and your clients are never left waiting.
Creative Financing
Solutions for borrowers who don't fit traditional guidelines — Bank Statement, DSCR, Non-QM, Commercial, FHA, VA, Conventional, Jumbo, and more.
Reliable Updates
Consistent communication from pre-approval through closing so everyone knows where the loan stands.
Problem Solving
Every file is approached with a solution-focused mindset to overcome financing obstacles whenever possible.
Local Texas Expertise
Knowledge of Texas lending guidelines, markets, and the homebuying process across the state.
Long-Term Partnerships
We're focused on building relationships — not just closing one transaction.
Payment. Affordability. Refinance. Debt-to-income. Six calculators in one place.
The measure is how it felt to close.
Mike made our first home feel achievable. He answered every question, at every hour, and delivered.
As a self-employed borrower, I'd been turned down twice. Mike found a bank statement structure that worked.
Our fourth investment property with Mike. DSCR done, on time, at the number we needed.