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For Real Estate Investors

Creative Solutions for Real Estate Investors

Investors do not fit neatly in a box, and neither do their deals. Whether you are buying your first rental or growing a portfolio, your income may not look the way standard guidelines expect. I have creative solutions for real estate investors in Oregon, Washington, and Arizona, and I will help you find the structure that fits your deal.

My goal is simple: protect your timeline, your margins, and your next purchase.

Loan Options for Investors

  • DSCR loans. Qualify based on the rental income of the property instead of your personal income.

  • Bank statement loans. Qualify using your business deposits when your tax returns do not show your full income.

  • 1099 income loans. Financing for independent contractors and others paid on a 1099.

  • One-time close construction to permanent financing. One loan and one closing to build and then convert to a permanent mortgage.

Not sure which one fits? That is what our first conversation is for.

What You Can Expect

  • A clear view of your true buying power as your portfolio grows

  • Quick scenario analysis before you make an offer

  • Honest feedback on what qualifies, what does not, and what would change the answer

  • Accurate numbers that hold up through underwriting

  • Consistent communication and quick responses when timing is tight

Clean Files. Confident Closings.

I prepare complete, well-documented files from the start so underwriting moves efficiently and closings stay on schedule. When a question or challenge comes up, I address it early and tell you right away, so you can plan around it.

Working Alongside Your Team

If your deal involves a realtor, an attorney, a CPA, or a financial advisor, I am happy to coordinate so everyone is working from the same timeline and the same numbers.

Let's Work Together

If you are ready to buy, build, or refinance and want a lender who understands how investor deals work, I would welcome the chance to connect.

Ruthie Crawford
Licensed Mortgage Loan Originator, Fairway Independent Mortgage
NMLS #2759858
Serving clients in Oregon, Washington, and Arizona

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