💡 “House Hacking Made Easy: How to Use Creative Financing to Build Wealth in 2025 🏠”

Bill Rapp - Commercial & Residential Mortgage Broker

Published on: 08/10/2025

🏠 House Hacking with Creative Financing: The Smart Investor’s Starter Strategy House hacking has become one of the most powerful wealth-building tools for first-time buyers and investors — and when paired with creative financing, it’s a game changer. Imagine living in your property while your tenants pay your mortgage. That’s the essence of house hacking — and in 2025, flexible loan programs and innovative financing strategies make it easier than ever.

Bill Rapp, Commercial Mortgage Broker

💡 Low Doc Loans Explained: Mortgage Options Without Tax Returns 🏡

Bill Rapp - Commercial & Residential Mortgage Broker

Published on: 18/09/2025

💡 Low Doc Loans: Mortgage Options Without Tax Returns When it comes to securing a mortgage, most lenders require stacks of paperwork—tax returns, W-2s, pay stubs, and more. But what if you’re self-employed, own multiple businesses, or have income that doesn’t fit neatly into traditional documentation? That’s where Low Doc Loans come in.

Bill Rapp, Commercial Mortgage Broker

💼 What is a Non-QM Loan? Discover Why High-Income Earners Should Consider It 🏡

Bill Rapp - Commercial & Residential Mortgage Broker

Published on: 22/07/2025

📝 What is a Non-QM Loan and Why High Earners Should Consider It When it comes to mortgage financing, not all borrowers fit into the traditional lending box. High-income earners—such as doctors, business owners, investors, and self-employed professionals—often find themselves penalized by conventional guidelines. That’s where Non-QM (Non-Qualified Mortgage) loans step in.

Bill Rapp, Commercial Mortgage Broker

🧾 How Real Estate Agents Use 1099s to Qualify for Mortgages 🏡

Bill Rapp - Commercial & Residential Mortgage Broker

Published on: 23/05/2025

🧾 How Real Estate Professionals Can Use 1099s for Mortgage Approval If you're a real estate agent or broker earning commission income, you've probably run into challenges when trying to qualify for a mortgage. Traditional W-2 income is easy for lenders to verify, but 1099 income? That’s a different story. However, with the right strategy and documentation, 1099 income can absolutely be used to secure mortgage approval. Here’s how real estate professionals can leverage 1099s to buy or refinance a home.

Bill Rapp, Commercial Mortgage Broker