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7-Day CTC: Saving a Deal with Complicated Income
May 5, 2026
| Client: Austin Clayton | Broker: Clayton Mortgage | ||||
| 7 daysClear to close | <1DSCR | 0Delays | |||
| Clear to close | DSCR | Delays | |||
The Challenge
A Borrower Who Didn’t Fit Conforming Guidelines
A borrower came to Austin looking for a standard conforming loan, but the income structure didn’t meet agency requirements. With limited options available, the deal quickly hit a wall.
Austin needed a lending partner who could:
Find a solution outside of conforming guidelines
The borrower’s income made it difficult to qualify through traditional channels.
Move quickly without unnecessary delays
Timing mattered, and the file couldn’t afford to sit idle.
Step in with confidence on a complicated deal
The scenario required clear answers and a lender who knew how to navigate it.
The Solution
A Straightforward Alternative That Kept Things Moving
Austin connected with Lendz Account Executive Justin Smith to review the file. Justin quickly identified that the deal fit within a DSCR<1 program and confirmed it could move forward right away.
With a clear path established early, Austin was able to transition the loan without losing momentum and keep the borrower on track.
The Result
A Quick Close That Solved a Tough Scenario
Once submitted, the file moved efficiently from start to finish:
CTC achieved in 7 days
The loan moved fast and closed without delays.
A borrower with complex income successfully financed
The structure that didn’t fit conforming guidelines found a workable solution.
A reliable experience that reinforced the partnership
Execution and communication helped build trust right out of the gate.
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