Half of the Rio Grande Valley's economy is self-employed — restaurant owners, truckers, contractors, retail, ag, healthcare. The banks know this, and they still ask for two years of W-2s. That's why so many great borrowers in McAllen, Edinburg, Mission, Harlingen, and Brownsville get turned away.
Why Banks Say No to Self-Employed Borrowers
- • Tax returns deliberately minimize taxable income through deductions
- • Business income is "irregular" by their underwriting standards
- • Co-mingled personal and business accounts trigger flags
- • Many lenders require 2+ years of identical filed returns
How a Private Lender Looks at You Instead
We don't underwrite your tax returns. We underwrite the property. If the property has equity and a clear value, we can fund it — investor-funded, in days, not months.
- No tax returns required for the conditional approval
- Property value drives the loan — up to 70% LTV
- Internal appraisal — we handle it, no third-party delay
- 3- or 10-year balloon, no prepayment penalty
- Close in 7–14 days
What We Don't Do
We do not fund DSCR loans, bank or conventional mortgages, fix-and-flip, rehab, or ground-up construction. We fund private home and commercial loans secured by Hidalgo and Cameron County property.
See city-specific options: McAllen, Edinburg, Mission, Harlingen, Brownsville.