Case Study: The Challenges of a Self-Employed Borrower


The customer was self-employed with multiple business ventures, which created an inconsistent personal income stream. The borrower also chose to invest his savings opportunistically rather than hold them in banks.


Traditional lenders like to see cash reserves in liquid accounts and prefer to see “seasoned” capital that has laid idle for months, which makes borrowing more difficult for the self-employed.


We made a subjective analysis of the borrower that emphasized his story, performed due diligence, and determined that he was a low-risk borrower. 


We provided the borrower with a $500,000 bridge loan that allowed the borrower to purchase a house in Petaluma, CA. The borrower was able to refinance into a conventional mortgage within the term of the bridge loan.

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