The Real Open House

P&L loans. (The loophole most lenders won't show you.) No W2. No relying on "net income." Just your real business cash flow doing the talking.

This is how business owners are getting approved — even after getting told "NO" by traditional banks.

If you've been shut down before, it's not you… …it's because you were put in the WRONG box.

There's a whole different lane for entrepreneurs — and most people never hear about it.

Want the full strategy broken down step-by-step? Tap into The Real Open House Podcast and subscribe — we're exposing what actually works behind the scenes. #NonQMLoans #certaintyhomelending #RealEstateTips #MortgageStrategy #TheRealOpenHouse

You could have $500K, $1M+ in the bank and still hear "no" because of your tax returns

But what if your assets qualified you instead of your income?

That's exactly what this does 👇

-Turn assets into qualifying income - Skip the tax return headache -Perfect for self-employed, investors, and high-net-worth buyers

If you've been told "you don't qualify"… you might've just been using the wrong loan.

👉 Hit the link in my bio and subscribe.

WAIT… did a top-producing Realtor just call me her FAVORITE lender?! When someone as respected as Victoria Cruz says that, it means everything. 🙏 In this clip, Victoria shares her honest thoughts on what makes a lending partner stand out—and why relationships, communication, and execution matter more than ever in today's market. Hear the FULL episode of The Real Open House podcast — link in bio! #TheRealOpenHouse #MortgageTips #RealEstatePodcast #TopRealtor #HomeBuying

Crypto rich… but still getting denied? 👀

That's not a money problem. That's a lender problem.

Banks see crypto… and shut the door. I see crypto… and structure the deal.

Same borrower. Different strategy. Completely different outcome.

I specialize in helping crypto investors qualify using Non-QM loan strategies most lenders don't even understand.

💡 If you're holding crypto and trying to buy real estate… you need a different approach.

🎙️ I break it all down on the Real Open House Podcast 👉 Subscribe and learn how to actually leverage your crypto.

You've seen her on Buying Beverly Hills — but as Managing Partner at The Agency, Michelle Schwartz knows the real win isn't solo… it's how her team moves together.

This is the playbook behind the scenes: real collaboration, real strategy, real results. The kind most offices say they have… but can't actually execute.

This is what separates teams that look good… from teams that dominate. 💼⚡️

👉 Watch the full conversation on The Real Open House Podcast

Imagine a property that qualifies for its own loan. That's the power of a DSCR loan. No digging through tax returns. No explaining write-offs. No proving income the traditional way. Instead, the focus is on what matters most: whether the property can generate enough cash flow to support the mortgage. If you're building wealth through real estate, this is one financing strategy you need to understand. 🎥 Watch the Reel. 📩 Questions? Send me a DM. 🎙️ And if you want more real estate, mortgage, and investing insights delivered regularly, subscribe to The Real Open House — the link is in my bio. #TheRealOpenHouse #DSCRLoans #RealEstateInvesting #MortgageTips #CashFlow

Self‑Employed? W‑2 Not Your Story? WATCH THIS. Josh is breaking down one of the most powerful loan programs out right now 👇 1099 | Business Owners | Independent Contractors

✅ No traditional income docs

✅ No W‑2 required

✅ Qualify using bank statements or 1099s

✅ Perfect for write‑off heavy earners

If your tax returns don't reflect your real income… you're not alone—and you're NOT out of options.

This is how a lot of my clients are getting into homes RIGHT NOW while others are getting declined.

Watch the clip — it could literally change your buying timeline. DM me "1099" if you want to see what you qualify for or drop a comment and I'll reach out 👇

Let's get you approved the smart way.

Getting denied for a mortgage because of write-offs? Listen to this…

Traditional lenders rely on your net income after write-offs — which can make you look like you earn way less than you actually do.

That's why so many business owners get stuck.

-The difference? I use gross deposits — not just what your tax return shows — to help you qualify based on your real earning power.

Stop letting your CPA's tax strategy block your homeownership goals. There's a smarter way.

-Follow me for more strategies to get approved (even if you're self-employed) and build wealth through real estate. Don't forget to subscribe.

If your income is "outside the box," I've got you. Non-QM mortgages are built for real people with real-life financial situations — selt-employed, 1099 earners, investors, business owners, or anyone whose income doesn't fit the traditional mold. If your file is complicated, layered, or just not getting the attention it deserves, call me or DM me. I'll walk you through the best path forward and help you get approved with confidence. Let's make your financing work for you.

Most people think being a landlord is passive income… until they actually become one.

In this episode, I sit down with Niv—an attorney who represents landlords—and we get into the real side of the business. Not the Instagram version—the reality.

We're talking about tenant situations that spiral fast, legal battles you don't see coming, and stories that honestly sound made up… but aren't.

Niv breaks down what's actually happening behind the scenes—what rights landlords really have, where people go wrong, and how one mistake can cost you serious time, money, and stress.

Some of these stories are insane. And if you're in real estate, they're closer to your reality than you think.

Inside the episode:

• The wildest tenant situations we've seen firsthand
• What landlords can legally do (and where they get burned)
• The biggest mistakes that turn small problems into lawsuits
• How to protect yourself before things go sideways
• Real insights from someone who deals with this every day in court

This isn't theory. This is what actually happens.

If you own property—or plan to—this episode might save you way more than just time.

Listen carefully… because the details matter more than you think.