Non-QM and investors
- DSCR investor loans
- Bank statement loans
- 1099-only income
- P&L-only income
- Asset qualification
- No-ratio investor options
- ITIN mortgage options
- Foreign national investors
- Interest-only options
- Condo and non-warrantable financing
Senior Mortgage Advisor · NMLS #406332
Paul Singh
A personal approach to your next property decision.
I help homebuyers, homeowners, and real estate investors make sense of their financing options. My primary specialty is DSCR rental-property financing, with a broad focus on non-QM solutions for self-employed borrowers and clients who need a different documentation approach.
Petra Cephas Inc. · Mortgage Broker · NMLS #1222300
Since 2002Mortgage industry experience
DSCR and non-QMMy primary areas of focus
Buy. Refinance. Invest.A conversation about your goals
Clear numbers.
A practical next step.
Read my full storyI have worked in the mortgage industry since 2002. My approach starts with your goals, your income, and the property you want to finance.
A useful mortgage conversation goes beyond an interest rate. We discuss the payment, closing costs, cash needed, documentation, timing, and tradeoffs. My goal is to offer clear explanations and responsive communication so you understand what is happening and what comes next.
Whether you are preparing for a first home, reviewing your existing mortgage, or considering another rental property, bring your questions. We will identify the information needed to explore your options.
Financing for the way
you live and invest.
Start with the situation that sounds like yours. Review program details and next steps on my website.
Rental-property investors
DSCR loans are my primary specialty. We can review eligible rental income, the property’s housing payment, reserves, ownership structure, and financing strategy for an investment purchase or refinance.
DSCR financing is for eligible investment properties, not your primary residence. Lender requirements and any prepayment penalty deserve a complete review.
Explore DSCR financingSelf-employed borrowers
Explore traditional documentation alongside available bank statement, 1099, P&L, and asset-based approaches. The right path depends on your business, income history, assets, and lender requirements.
Alternative documentation still requires lender underwriting. Deposits or a single income document do not establish eligibility.
Review alternative documentation optionsHomebuyers and homeowners
I also help clients explore Conventional, FHA, VA, USDA, and Jumbo financing; primary and second homes; purchases and refinances; condos; and home-equity options.
Find your financing pathA broad program guide.
A personal review.
My website covers 24 program categories. These are options to discuss, subject to lender, property, state, and borrower eligibility.
Home purchase
- Conventional loans
- HomeReady and Home Possible
- FHA loans
- VA loans
- USDA loans
- Jumbo loans
- Adjustable-rate mortgages
Equity and specialty
- Rate-and-term refinance
- Cash-out refinance
- HELOC
- Home equity loan / HELOAN
- Fix-and-flip and bridge
- Construction and renovation
- Reverse mortgage specialist guidance
A resource for
Realtor partners.
I work with Realtors and other professional partners to identify financing questions early, coordinate next steps, and help clients prepare.
My resource center includes condo review questions, investor planning tools, buyer checklists, and short educational courses. Resources are available without a referral requirement.
Visit the partner resource centerPrepare. Learn.
Ask better questions.
Explore the free learning center and tools on paulsinghmortgages.com.
Worksheets
21 practical resources with fillable PDF downloads. Free, with no signup required.
Mortgage courses
18 targeted mini-courses and 54 short written lessons for buyers, homeowners, investors, and partners.
Credit masterclass
18 chapters and a workbook covering credit-report review, errors, and payment habits.
Payment calculator
Explore an estimated payment using your own figures.
DSCR estimator
Compare eligible monthly rental income with the property’s housing payment.
Mortgage news
Visit the website for mortgage updates and educational resources.
Educational resources and estimates do not determine eligibility or replace required counseling, lender review, a Loan Estimate, or a rate quote.
Your property.
Your location.
Primary residences and second homes
New Jersey, New York, Pennsylvania, Connecticut, Texas, and Florida, where licensed and authorized.
DSCR rental-property financing
Across the U.S., subject to state and lender availability. Share the property state and scenario so I can confirm potential options.
Read client experiences on my websiteLet’s talk about
your next move.
Start with your goal, the property location, and your timeline. Visit my website to connect, schedule a conversation, or find the secure application.
Visit my website and connectPaul Singh · 856-503-9396
psingh@petracephas.com
paulsinghmortgages.com
For homebuyers, homeowners,
investors, and Realtor partners.