Mon – Fri  9am – 5pm
(302) 593-0620
[email protected]
Mortgage Broker

Financing Built Around Your Deal,
Not a Checklist.

DSCR and No Doc lending for real estate investors, self-employed borrowers, and LLCs. No W-2s. No pay stubs. No unnecessary documentation.

Get Pre-Qualified → Explore Loan Programs
DSCRDebt Service Loans
No DocIncome-Free Qualification
SBABusiness Financing
Specialized Programs Available

Non-Owner Occupied
Mortgages

Purchase · Cash-Out · Rehab · Specialty Commercial

Investment Properties
SBA Loans
Church Mortgages
Gas Stations
Long-Term Care
Cannabis Funding
Funeral Homes
Schools
Individuals, Self-Employed, and LLCs All Welcome
Income-Free Qualification
Expedited Closings
Investor-Centered Terms
LLCs and Self-Employed Welcome
Specialty Commercial Expertise

“The conventional system was not built for the unconventional investor. We were.”

Mortgages By Us was founded on a singular belief: that sophisticated borrowers deserve sophisticated solutions. Our practice exists for the investor, the entrepreneur, and the principal who has outgrown what conventional lending can offer.

Self-Employed with Complex Write-Offs

Your tax returns don’t show your real income, our No Doc programs don’t require them.

Real Estate Investor Building a Portfolio

DSCR loans qualify on the property’s income, not your personal financials.

Business Owner Acquiring Commercial Property

SBA loans and commercial lending tailored to your business’s unique financials.

LLC or Entity Purchase

We finance through LLCs and business entities, protecting your personal assets.

We specialize in solutions designed around your real situation, not a rigid checklist.

You deserve a mortgage broker who listens before recommending. That is exactly how we work: with expertise, care, and zero judgment.

No income verification required (DSCR & No Doc)
Property cash flow qualifies the loan
Specialty & commercial properties welcome
LLCs, individuals, self-employed all qualify
Fast, transparent, guided process
Let’s Talk About Your Options →
Loan Programs

Precision Lending
for Serious Investors

Every program is built for a specific borrower profile. The property’s performance. Your vision. Our execution.

01

DSCR Loans

The property’s rental income qualifies the loan. No personal tax returns, no W-2s, and no employment verification required.

Who It’s For
  • Real estate investors with rental income
  • Self-employed borrowers with write-offs
  • Multi-property portfolio owners
  • LLCs and investment entities
No Tax ReturnsRental Income QualifiesNon-Owner Occupied
Get Pre-Qualified →
02

No Doc Loans

Purpose-built for borrowers with strong assets and cash flow whose income doesn’t fit the traditional documentation mold.

Who It’s For
  • High-net-worth self-employed borrowers
  • Investors with significant assets
  • Business owners with complex income
  • Those turned down by conventional lenders
Income-Free QualificationAsset-BasedLite Doc Options
Get Pre-Qualified →
03

SBA & Commercial Loans

Government-backed financing for business owners acquiring, refinancing, or expanding commercial real estate.

Who It’s For
  • Small business owners
  • Specialty commercial property buyers
  • Business real estate acquisition
  • Owner-operated commercial properties
SBA 7(a)SBA 504Commercial
Get Pre-Qualified →
Loan Education

Understand Your Options
in Plain English

No jargon. No confusion. Just clear explanations of the programs that could change your investment strategy.

The property pays for itself.

A DSCR loan qualifies based on what the property earns, not what you earn. No tax returns, no W-2s, no employment history needed.

Rental income is the qualifier

The lender looks at monthly rent vs. monthly mortgage payment. If rent covers the mortgage, you qualify.

No personal income documents

No tax returns, no pay stubs, no employment verification. Your write-offs and business structure do not affect your eligibility.

LLCs are welcome

DSCR loans can be made directly to your LLC, keeping your personal assets protected and your portfolio organized.

Portfolio-friendly

Each property qualifies independently. Property 1 does not affect Property 5. Built for investors who want to scale.

See If You Qualify →
Real Example Scenario

Rental property investor with 4 write-offs

Michael owns 3 rental properties and runs a side business. His tax return shows $42,000 in income after deductions. His bank denied him. With a DSCR loan, the new property he wants generates $2,800/month in rent against a $2,100 mortgage payment. DSCR ratio: 1.33. He qualifies easily.

How DSCR Is Calculated
Monthly Rental Income$2,800
Monthly Mortgage Payment$2,100
DSCR Formula$2,800 / $2,100
DSCR Ratio1.33 Qualifies
Minimum Required1.0 (ideally 1.1+)

Your assets speak louder than your taxes.

No Doc loans are designed for borrowers who have significant wealth but complex or hard-to-document income. The bank sees your write-offs. We see the full picture.

Asset-based qualification

Your investment accounts, business assets, and net worth can qualify you, not just your taxable income line.

No tax returns required

The lender does not need your Schedule C, K-1s, or business returns. What you write off stays between you and your accountant.

Strong credit still matters

Typically 680+ credit score. The less documentation required, the more your credit profile and assets need to shine.

Higher down payment expected

Usually 25-35% down. The lender takes on more risk without income docs, so more equity upfront is the trade-off.

Explore No Doc Options →
Real Example Scenario

Business owner with $800K in assets, $28K taxable income

Sandra runs a profitable consulting firm. Her accountant does an excellent job minimizing her taxable income to $28,000. Every conventional lender says no. With a No Doc loan, her $800K in investment accounts and strong credit profile qualify her for the $600K commercial property she has been trying to purchase for two years.

No Doc vs Conventional at a Glance
Tax Returns RequiredNone
W-2 or Pay StubsNone
Primary QualifierAssets + Credit
Typical Down Payment25-35%
Best ForHigh-net-worth self-employed

Government-backed commercial financing.

SBA loans are the most powerful financing tool available to small business owners buying commercial real estate. Lower down payments, longer terms, and government backing mean better deals.

SBA 7(a), The flexible option

Up to $5 million. Can be used for real estate, equipment, working capital, or business acquisition. 10-20% down payment.

SBA 504, The real estate specialist

Designed specifically for fixed assets like commercial real estate. As low as 10% down. Excellent long-term fixed rates.

Must occupy 51%+ of the property

SBA loans are for owner-occupied commercial real estate, your business must operate from the property you are financing.

Specialty properties included

Gas stations, medical facilities, hotels, restaurants, car washes and more, SBA funds property types conventional lenders avoid.

Explore SBA Options →
Real Example Scenario

Chiropractor buying her clinic building

Dr. Williams has been renting her clinic space for 8 years. Her landlord is selling the building. With an SBA 504 loan, she puts 10% down on the $1.2M property. Her monthly mortgage payment is less than what she was paying in rent. She now owns the building her business operates from and is building equity instead of paying someone else's mortgage.

SBA 7(a) vs SBA 504 Comparison
Maximum Loan$5M / $5.5M
Down Payment10-20% / 10%
Use of FundsFlexible / Real estate only
Rate TypeVariable / Fixed portion
Best ForFlexibility / Real estate purchase

Some documentation, real results.

Lite Doc loans sit between full documentation and No Doc. Instead of tax returns, you provide bank statements or a simple CPA letter, showing what you actually earn, not what the tax code says you earn.

Bank statement qualification

12-24 months of personal or business bank statements replace tax returns. Lenders see your actual deposits, not your adjusted gross income.

CPA letter as income proof

In some cases, a letter from your accountant certifying your income is enough. Simple, fast, and respects your privacy.

Better rates than No Doc

Because you provide some documentation, rates are typically better than a pure No Doc loan. The middle path often makes the most financial sense.

Perfect for the in-between borrower

You have too many write-offs for conventional, but enough documentation to beat No Doc rates. Lite Doc is built for you.

See If Lite Doc Fits →
Real Example Scenario

Freelance contractor with inconsistent W-2 history

James is an independent contractor who has been 1099 for 3 years. His bank statements show $18,000/month in average deposits. His tax return shows $67,000 after deductions. With a Lite Doc bank statement loan, lenders use his actual deposits to calculate qualifying income. He goes from "declined" to approved in one week.

Lite Doc vs Conventional Income Calculation
Tax Return Income$67,000/yr
Bank Statement Deposits$216,000/yr
Conventional Qualifying Income$67,000
Lite Doc Qualifying Income$216,000
ResultApproved vs Declined

Which loan is right for you?

DSCR

Income DocsNone
QualifierRental income
Min Down20-25%
LLC OKYes
Best ForInvestors

NO DOC

Income DocsNone
QualifierAssets + credit
Min Down25-35%
LLC OKYes
Best ForHigh-net-worth

LITE DOC

Income DocsBank statements
QualifierActual deposits
Min Down20-25%
LLC OKYes
Best ForSelf-employed

Not sure which one fits? Ms. Janet will tell you in a free 30-minute call.

Book a Free Consultation →
Specialty Properties

Where Other Brokers
Stop, We Begin.

We specialize in income-producing commercial assets that most lenders decline. If the property generates revenue, we can build a structure around it.

SBA Loans

Government-backed financing for small businesses acquiring real estate.

Church Mortgages

Specialized lending for houses of worship and religious organizations.

Long-Term Care

Nursing homes, assisted living, and specialized care property financing.

Schools

Private schools, charter schools, and educational facility mortgages.

Gas Stations

Fueling station and convenience store acquisition and refinance.

Cannabis Funding

Licensed cannabis operators and dispensary real estate financing.

Funeral Homes

Mortuary acquisition, refinance, and expansion financing.

Investment Properties

Rental portfolios, mixed-use, and all income-producing real estate.

Don’t see your property type here? We broker a wide range of commercial mortgage products. If your property produces income, reach out. The answer is almost always “we can work with that.”

How It Works

From First Call to Closing

A clear, deliberate process built around your timeline, with expert guidance at every stage.

01

Tell Us About Your Goals

Schedule a complimentary consultation or complete our brief inquiry form. A candid conversation about what you’re building.

02

We Identify Your Best Path

We identify the right program: DSCR, No Doc, SBA, or commercial, based on your property and financial profile.

03

We Guide Every Step

We place your loan with the right lender and guide you through underwriting, documentation, and approval with full transparency.

04

You Close With Clarity

Reach the closing table informed, supported, and ready. We’re here for every deal that follows. Change is a process, not an event.

About Ms. Janet Madric

She listens first.
She advocates always.

Ms. Janet Madric established Mortgages By Us with a clear purpose: to deliver the quality of mortgage counsel that serious borrowers deserve but rarely find. With deep expertise in DSCR, No Doc, Lite Doc, and SBA lending, she guides investors and business owners from the very first conversation through closing day.

Her approach is relational, never transactional. You are not a file number here. You are a person with a vision, and she is here to help you realize it.

She Listens Before She Recommends

Every borrower’s situation is unique. Ms. Janet takes time to understand yours fully before recommending a direction.

She Explains, Not Rushes

Complex lending concepts explained in plain language, at your pace. You will understand every step before taking it.

She Advocates for Your Deal

Not every broker fights for your loan. Ms. Janet does, finding the right lender and the right structure for your specific situation.

Ms. Janet Madric
Mortgage Broker

Ms. Janet Madric

Mortgage Broker

Specializing in DSCR, No Doc, Lite Doc, and SBA lending for real estate investors and business owners. Placing financing on income-producing properties that others can’t, with professionalism and care at every step.

(302) 593-0620
[email protected]
Monday – Friday, 9:00 AM – 5:00 PM
Book a Free Consultation →
Get Pre-Qualified

Begin the
Conversation.

This is not an application. It’s the start of a conversation. Share a few details and Ms. Janet will personally reach out with a candid assessment of your options. No pressure, no judgment.

No credit pull required to explore your options
DSCR and No Doc programs require no income verification
Self-employed, LLC, and complex profiles are welcome
Your information remains strictly confidential
A personal response within one business day

Share Your Situation

A few details allow us to identify your best path forward.

Your information is kept strictly confidential and will never be shared or sold.

Resources & Insights

Mortgage Education
in Plain English

Real answers to the questions investors and borrowers ask most, no jargon, no fluff.

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Book a Free 30-Minute Call

Choose a time that works for you. Ms. Janet will personally review your situation and walk you through your best financing options.

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Ms. Janet
Mortgages By Us
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