Financing for income a W-2 can't describe.
Rental cash flow, business deposits, rehab budgets — we underwrite the whole picture. DSCR, bank statement, fix & flip, and non-QM loans structured to close on your timeline.
Tell us the deal.
Four taps narrows ten programs down to the ones that actually fit your file. Then apply, or call and talk it through.
Continuing opens Edge Home Finance's secure application. Not a commitment to lend. Equal Housing Opportunity. Edge Home Finance, LLC is an Equal Housing Lender.
Start from what you have, not what a bank wants.
Run the numbers before you call anyone.
Nobody posts a single rate honestly — pricing moves daily and depends on your credit, property, and structure. So here's the math you actually care about: what the monthly payment comes out to.
Illustration only, using estimated taxes and insurance at 1.55% of price annually. Not a quote or commitment to lend.
Four steps, and you always know which one you're in.
Consultation
A direct call about the property, the income, and the outcome you need. No call centers, no handoffs.
Pre-approval
A documented letter you can put in front of a seller — sized to what you'll actually be approved for.
Underwriting
Conditions get cleared as they appear, not in a pile at the end. You hear from us weekly at minimum.
Close & fund
Final numbers ahead of signing, no day-of surprises, and funds on the date you were promised.
One person on your file, start to close.
Ten years on files that don't fit a template — investor portfolios, self-employed income, construction draws. You get a direct cell number, a straight read on the structure, and the same person answering in week one and week four.
Virginia roots. Florida home. Nearly nationwide.
A decade of lending began in Northern Virginia and Richmond, and that market knowledge hasn't gone anywhere. The home office is now St. Petersburg, Florida — Tampa Bay is the local market, and financing is available in 49 states and the District of Columbia.
Recent closings
SELECTED FUNDED LOANS{{ c.note }}
Closed transactions shown for illustration. Past results do not guarantee future approvals, terms, or timelines.
Straight answers.
Something specific to your file? That's a phone call, not a paragraph.
Talk it through →Why don't you post rates on the site? +
Pricing moves daily and depends on credit, property type, occupancy, loan size, and structure. A single posted number would be wrong for almost everyone who read it. Call or start an application and you'll get real pricing for your file — usually the same business day.
Can I qualify without tax returns? +
Yes. DSCR loans qualify on the property's rental income, and bank statement programs use 12 or 24 months of business or personal deposits. Both are built for borrowers whose returns understate their real cash flow.
How fast can this close? +
Most files close in three to four weeks once documentation is in. Investor programs can move faster when the appraisal and title cooperate — tell us the contract date and we'll say honestly whether it's achievable.
I already have a quote elsewhere. Worth talking? +
Bring us the loan estimate. We'll read it line by line, tell you where it's competitive, and only pitch an alternative if the structure or cost genuinely improves on it.
What do you need from me to start? +
To start: the property or price range, your goal, and how you're paid. For pre-approval: ID, income documentation appropriate to the program, and asset statements. Nothing more until it's actually needed.
Find your program, then apply — or just call.
Narrow it down on this page in four taps. Apply through Edge Home Finance when you're ready, or talk it through first.
I'll text and email you the matching programs and today's rates, usually within a couple of hours during business days.
Quotes are estimates, not a loan commitment or a lock, and are subject to underwriting. No credit report is pulled to give you pricing. Loans originated by Edge Home Finance, LLC, NMLS 891464.