Guides
Mortgage guides, written straight.
Plain-English guides on the files that don't fit a bank's box: self-employed income, rentals, credit under 620 and home equity. Real numbers, the honest trade-offs, and when another program fits better.
Written by Arran Amorozo, NMLS #1491497 · West Capital Lending, Inc.
Self-employed and no-doc
When your tax returns undersell what you earn.
P&L loans
P&L Statement Loans: How One Document Qualifies You
How a profit and loss statement loan works: who prepares the P&L, the 640 floor, down payments and refinance limits by credit band, and when another lane fits.
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No income verification
No Income Verification Mortgages: What's Real for Your Home
What no income verification really means on your own home: the ability-to-repay rule, P&L, bank statement and no-income HELOC lanes, and No-Ratio for rentals.
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Investors and rentals
DSCR, second liens, hard money and how to compare lenders.
DSCR seasoning
No-Seasoning DSCR Loans: Refinance Without the Wait
No title seasoning on DSCR cash-outs of $100,000+: refinance on today's appraised value, up to 75% cash-out or 80% rate-and-term, with a worked BRRRR example.
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Rental equity
DSCR HELOCs and Second Mortgages for Rental Properties
A DSCR HELOC or closed-end DSCR second on a rental: qualified on the rent, up to 75% combined loan-to-value, first mortgage untouched, and when a HELOC fits.
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DSCR lenders
How to Choose a DSCR Lender: The Terms That Matter
How to compare DSCR lenders: the seven terms that really differ, eight questions to ask before you sign, the red flags, and our own published DSCR box.
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Hard money
Owner-Occupied Hard Money: When It Works on Your Home
Owner-occupied hard money: primary homes in California, Oregon and Washington, rentals across 35 states + D.C., down payments, refinance limits and flips.
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Credit under 620
The down payment and equity paths that still work.
Conventional under 620
Conventional Loans With Credit Under 620: The Real Paths
Conventional loans below 620 credit: the down payment and equity paths that still work, what changes at 620, how PMI comes off, and when FHA or an HEI fits.
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FHA and credit
FHA Loans With Low Credit: What Works Below 620
FHA with credit below 620: FHA's own 500 floor, the 20% down purchase path, refinances, the Streamline, and what FHA mortgage insurance costs.
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Home equity and retirement
Turning equity into cash, with or without a payment.
Home equity
HEI vs. HELOC: Which Fits Your Home Equity Goal?
A Home Equity Investment and a HELOC side by side: payments, credit (620 vs. 500), amounts, leverage, speed and states, plus how we decide which one fits.
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Reverse mortgages
How Reverse Mortgages Work: A Plain-English Guide
Reverse mortgages (HECMs) in plain English: no mortgage payment, who qualifies, counseling, what you still pay, non-recourse, myths, scams and what to ask.
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Our guides are general education, not an offer to lend or a commitment to any terms. Programs, guidelines and availability change and are confirmed in writing for your file. All loans are subject to credit approval.
West Capital Lending, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.