J.D. Peck Producing Branch Manager

Just because a lender told you “no” doesn’t mean you’re not qualified for a mortgage.
It usually just means they don’t have the right loan product for your circumstances.

If you’re:
• Self-employed
• Using an ITIN
• Don’t show income on a W2
• An investor with no traditional income

You still have options.

I help buyers across 49 states qualify using:
• Bank Statement Loans
• Asset Depletion
• DSCR Loans for Investors
• ITIN Mortgage Programs
• P&L-Only Qualifying
• Foreign National Loans

DM me the word “OPTIONS” and I’ll personally walk you through what your last lender missed.

#JDMortgage #PRMGCos #PRMGNow
#NonQM #SelfEmployedLoan #ITINLoan #InvestorLoans #BankStatementLoan #DSCRLoan #CreativeFinancing #AltIncome #MortgageHelp #LoanOptions #HomeLoans #49StateLender #LoanOfficerLife #RealEstateInvestor #DeniedLoan #HomebuyerTips #MortgageSolutions #RealEstateFinance #prmgnow

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Self-employed? Too many write-offs?

With DSCR, we loans don’t ask for W2s, tax returns, or verification of personal income.

You qualify based on the rental income of the property — not your personal income.

✔️ 620+ credit score
✔️ 20–25% down
✔️ First-time or seasoned investors welcome
✔️ Lending available in 49 states

Ready to stop letting your assets sit?
DM me “DSCR” to find out more.

#DSCRLoan #RentalProperty #RealEstateInvesting #PassiveIncome #NoW2Loan #SelfEmployedInvestor #InvestmentProperty #RealEstateTips #FinancialFreedom #DSCRExplaine

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Told you don’t qualify for a home loan?
If you’re self-employed, an investor, using an ITIN, or don’t show traditional income—you still have options. Creative mortgage programs in 49 states, including:
• Bank Statement Loans (No W2s or tax returns)
• ITIN Loans (No Social Security Number required)
• Asset Depletion Loans
• P&L Only Income
• DSCR Loans for Investors
• Foreign National Financing

You weren’t denied because you’re unqualified—just underserved.

DM me the word “OPTIONS” or visit jd.mortgage to start your loan review.

#JDMortgage #PRMGCos #PRMGNow
#NonQM #HomeLoanHelp #SelfEmployedLoan #ITINLoan #RealEstateInvestor #AltIncome #CreativeFinancing #BankStatementLoan #DSCRLoan #LoanOfficer #MortgageTips #MortgageHelp #HomeLoans #49StateLender #DeniedLoan #LoanOptions #RealEstateFinance

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Self-employed? ITIN? Investor with no tax returns?

Don’t let traditional mortgage rules hold you back.
We lend in 49 states and offer real solutions for real buyers.

DM “OPTIONS” or visit jd.mortgage to get started.

#nonqm #selfemployedmortgage #itinloans #mortgagetips #realestatefinancing #loanofficer #PRMGCos #JDMortgage #PRMGNow

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Want to invest in real estate but don’t have W2 income or clean tax returns?

DSCR loans could be your answer. These programs qualify you based on the cash flow of the rental property — not your personal income.

✅ No W2s or tax returns required
✅ 680+ credit score (for first-time investors)
✅ 620+ credit score (for seasoned investors)
✅ 20–25% down
✅ Great for self-employed borrowers, freelancers, and entrepreneurs
✅ Lending available in 49 states

Whether you’re just getting started or looking for your next property, DSCR loans can help you build passive income without the paperwork.

Lending in 49 States

DM me the word “DSCR” to get started.

#DSCRLoan #RentalProperty #PassiveIncome #SelfEmployedInvestor #NoW2Loan #CashFlowInvesting #WealthBuilding #InvestmentProperty #RealEstateTips #FinancialFreedom2025 #DSCRExplained #2025 #RealEstateInvesting #PassiveIncome #NoW2Loan #RentalPropertyLoans #InvestWithoutW2 #FirstTimeInvestor #BuyRentalProperty #NoTaxReturn #ExitByDesign

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Looking to invest in rental property but don’t have a W2 or simple tax returns?

DSCR loans (Debt Service Coverage Ratio loans) allow you to qualify based on the income of the property, not your personal income. That means no W2s, no tax returns, and no job verification.

✅ Perfect for self-employed buyers, entrepreneurs, and asset-rich investors
✅ Works for first-time and seasoned investors
✅ Minimum 620 credit score
✅ Down payment typically 20–25%
✅ Lending in 49 states

Want to know if you qualify?

DM me the word “DSCR” to get started.

#DSCRLoan #RentalProperty #PassiveIncome #SelfEmployedInvestor #NoW2Loan #CashFlowInvesting #WealthBuilding #InvestmentProperty #RealEstateTips #FinancialFreedom2025 #DSCRExplained #2025 #RealEstateInvesting #PassiveIncome #NoW2Loan #RentalPropertyLoans #InvestWithoutW2 #FirstTimeInvestor #BuyRentalProperty #NoTaxReturn #ExitByDesign

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Denied for a VA loan? You might still qualify — but not every lender understands how to work with VA guidelines the right way.

Here’s what most won’t tell you:
• VA has no minimum credit score requirement
• Manual underwriting is allowed (and we actually use it)
• High debt-to-income ratios can be approved with compensating factors
• Many denials happen due to lender overlays, not VA rules

At PRMG, we don’t add overlays. We follow the VA guidelines as they’re written.
If you’ve been told “you don’t qualify,” it might be time for a second opinion.

Let’s talk. I’m here to help.

Lending in 49 States

#VALoan #VALoanExpert #VeteranHomebuyer #MilitaryMortgage #ManualUnderwriting #LowCreditLoan #HomeLoanHelp #MortgageTips #JDMortgage #PRMGCos #PRMGNow

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Waited all winter to put real miles on this car…
And when I finally did? It rained.
But I’m driving anyway.

Buying a home is no different.
You’ll never get perfect timing—weather, rates, predictions—they’re all unpredictable.

So if you’re ready, and you’ve got the means—make your move.

I help buyers across the country take action—even when the conditions aren’t perfect.

Think the timing’s off? I’ll show you how to make it work.

#JDmortgage #HomeBuyingTips #VAloans #RealEstateAdvice #HousingMarket2025
#GT500 #Shelby #CarGuys #YouTubeShortsRealEstate #MortgageMindset #GenerationalWealth #ExitByDesign #Investment #2025 #JobsReport

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This was NOT your typical Monday on Wall Street. 🚨
Stocks sold off hard at 10AM… then a rumor about a 90-day White House tariff pause triggered a massive rally — adding over $3 TRILLION in market value.

But here’s the twist…
The White House called it FAKE NEWS, and the rally was instantly wiped out.

🔍 We break it all down in this quick update — what happened, why it matters, and what to expect for mortgage rates and real estate.

👉 Follow for more housing market and mortgage updates that actually make sense.

#StockMarketNews #MortgageRates #JDandDre #MarketCrash #FakeNews #RealEstate2025 #HousingMarketUpdate #MondayMarket #FinancialNews #HomebuyingTips #InterestRates2025 #WallStreetNews #BreakingNews

@PRMGCorp @andresmadril

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