Multi-Loan Deal: One Client, Three Non-QM Loans, $5.2M, in 45 Days

This image is for illustrative purposes only and does not depict an actual borrower.

When Robert—a successful entrepreneur and investor—decided to refinance two of his properties for cash-out equity and purchase an additional investment property in another state, he needed a fast, efficient solution that could handle three concurrent Non-QM loans. As a self-employed borrower, his finances were structured in a way that required bank statement loans. Adding to the complexity, Robert also wanted to seize a brief dip in interest rates and planned to begin using his new investment property for an extended family getaway immediately after closing.

These weren’t typical, cookie-cutter loans. Each property ranged from $1.6M to $2.6M, demanding different loan programs while adhering to Non-QM underwriting guidelines. By timing all three loans together, we were able to streamline the document collection process for Robert—requesting a combined set of information rather than duplicating efforts for each deal. Throughout the process, I coordinated our Loan Analysts, Underwriters, and the Real Estate Agents involved, ensuring the loans did not conflict with one another’s guidelines or strain Robert’s finances.

In the end, we closed all three deals within six weeks. Robert successfully refinanced two homes, secured the cash he needed for his new investment opportunity, and finalized his out-of-state purchase in time for his family’s planned stay. While such transactions can be stressful, careful scheduling and close coordination among everyone involved kept the process on track. This experience demonstrated how vital it is to align multiple teams and loan programs for one borrower’s needs, regardless of a loan’s size or complexity. By meeting Robert’s tight timeline, we reinforced our commitment to finding tailored solutions—even when projects overlap and must close quickly.