Custom Lending
Financing Solutions for Unique Financial Profiles
Not all borrowers fit within traditional mortgage guidelines. Custom Lending at Guzzo & Co provides solutions for those whose financial profiles require more flexible underwriting, alternative documentation, or specialized loan structures.
Whether you are self-employed, hold multiple properties, manage investment portfolios, or have complex financial arrangements, our custom lending programs allow access to financing that reflects your full financial strength.
Custom Lending Structures and Features
Our Custom Lending solutions include:
Bank Statement Qualification Programs – Income based on bank deposits rather than tax returns.
Asset-Depletion Income Calculation – Uses assets to determine qualifying income.
Debt Service Coverage Ratio (DSCR) Loans – Focus on property cash flow for investors.
Interest-Only Structures – Initial interest-only payments for flexibility.
Non-Qualified Mortgage (Non-QM) Programs – For borrowers outside standard agency guidelines.
Portfolio Lending Solutions – Lender-held programs offering greater underwriting flexibility.
These programs help borrowers access financing opportunities not available through conventional channels while maintaining responsible lending standards.
When Custom Lending May Be Appropriate
Custom Lending is ideal for:
Self-employed borrowers with variable income
Real estate investors managing property portfolios
High-net-worth individuals with complex holdings
Borrowers purchasing unique or high-value properties
Foreign nationals or layered entity ownership
Our approach evaluates the broader financial picture, enabling loan structures that reflect true financial capacity rather than rigid qualification formulas.
Responsible Structuring and Long-Term Planning
While Custom Lending provides flexibility, it is essential to structure loans with long-term stability in mind. We emphasize prudent leverage management, clear repayment strategies, and full transparency regarding loan terms, ensuring financing aligns with both immediate objectives and long-term financial health.
