Beating the Clock: 11-Day CTC on a Tough DSCR Deal
April 2, 2026
| Client: Jon Lewandowski | Broker: Ahnee Mortgage | ||||
| 11 daysClear to close | <1DSCR | 100%On-time closing | |||
| Clear to close | DSCR | On-time closing | |||
The Challenge
A Borrower Facing a Deadline With Limited Options
A longtime client of Jon’s was up against a hard money balloon payment and needed to refinance fast. Time wasn’t on their side, and most lenders weren’t willing to move forward.
The DSCR ratio came in below 1, which immediately ruled out many traditional options. As the deadline got closer, the deal was at risk of falling apart completely.
Jon needed a lender who could:
Step in on a time-sensitive refinance
The borrower needed to exit a hard money loan before the deadline hit.
Handle a DSCR scenario below 1
Most lenders passed on the deal, leaving very few paths forward.
Deliver on a first deal together
This was Jon’s first time working with a new lending partner, so execution mattered.
The Solution
A Clear Path Forward Without Delays
Jon reached out to Lendz Account Executive, Mike Boghos, for guidance. Right away, Mike confirmed the deal could work using a DSCR <1 program and laid out a plan to get it done within the timeframe.
The transferred appraisal was accepted, which helped avoid delays and kept everything moving. With a solution in place, Jon was able to move quickly and keep the deal alive.
The Result
A Time-Sensitive Deal That Closed Right When It Needed To
Once the file was in motion, everything stayed on track:
CTC delivered in 11 days
The loan cleared in time to help the borrower avoid the balloon payment.
A borrower who avoided a costly outcome
The refinance gave them a way out of a high-pressure situation.
A strong first experience working together
Jon’s first deal set the tone for future opportunities.
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