14-Day CTC: Saving a $1M+ Purchase Loan with 85% LTV Jumbo Financing

When a 1031 exchange purchase came down to the wire, Central Lending needed a DSCR partner who could move quickly and handle a unique property structure: two buildings on one parcel. Lendz stepped in with a flexible DSCR solution, fast answers, and clear communication from day one.

Clayton Mortgage helped save a challenging loan scenario after a borrower’s complicated income structure failed to meet conforming guidelines. By working with Lendz Account Executive Justin Smith, Austin Clayton found a fast alternative through a DSCR<1 program. The file achieved clear to close in just 7 days with zero delays, helping the borrower move forward and reinforcing Clayton Mortgage’s trust in Lendz as a reliable lending partner.

Tidal Mortgage Group turned to Lendz when a delayed loan was on the verge of falling apart. In just 7 days, Lendz helped clear the file to close, accepted the transferred appraisal with no added delays, and delivered an on-time closing that not only saved the deal, but also earned repeat referrals and a long-term non-QM partnership.

When a longtime client faced a hard money balloon payment and needed a fast refinance, Jon Lewandowski of Ahnee Mortgage had limited options. With a DSCR ratio below 1 and the deadline quickly approaching, many lenders passed on the deal. Lendz stepped in with a DSCR <1 solution, accepted the transferred appraisal, and kept the file moving without delays. The result was an 11-day clear to close, a 100% on-time closing, and a borrower who avoided a costly outcome.

When a Florida Keys property was labeled as an investment instead of a second home, most lenders said no. Lendz said yes. In this case study, see how Lendz helped South Florida Lending Consultants secure a true second-home approval using a bank statement program with no tax returns required, minimal down payment, and a smooth close that led to multiple follow-on loans.

When a high-LTV cash-out refinance collided with a recent property listing, options were limited and time was tight. New Tech Mortgage Corp. partnered with Lendz to navigate program restrictions, deliver competitive pricing, and clear the loan in just five days - unlocking equity in time for the borrower’s next investment and proving that speed and flexibility still win tough deals.

When a Texas cash-out refinance was declined by a bank due to program and property restrictions, AMP Mortgage turned to Lendz for a smarter solution. By shifting the file from a P&L structure into a bank statement program that aligned with the borrower’s real income and existing seasoning, the deal moved forward without delays.

When a $1.94M purchase nearly collapsed due to unfiled tax returns and a tightening contract timeline, Alliance Bay Funding turned to Lendz for a fast, realistic solution. Our team guided broker Nguyen Le through an asset depletion structure, cleared conditions early, and kept the buyers’ assignment of contract protected.

When broker, Jorge Maceira, from MAC Financial Group, partnered with Lendz Financial, he saw firsthand what true efficiency looks like.

When a self-employed borrower’s loan fell apart just days before a cross-country move, broker Lety Radulovich turned to Lendz Financial for help.

In luxury real estate, timing can mean the difference between success and financial disaster. Mortgage Consultant Gaby Bermudez faced this exact scenario when her client’s $1.4M new construction loan hit unexpected delays.

Zach Taylor, a broker at Loan Wolf Lending, encountered a high-pressure scenario. A promising deal for his borrower was in jeopardy after her original lender denied a bank statement loan due to its own specific internal guidelines, despite the file having a strong, completed appraisal.