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Purchase Strategy

Explore Primary, Second Home, and Investment options including Fix & Flip and DSCR.

REFINANCE

Leverage & Rates

Analyze Rate/Term reductions, Debt Consolidation, and Home Equity Lines/Loans.

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Purchase Strategy

How would you like to explore your homebuying options?

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Browse Loan Products

Read about specific loan types (Conventional, FHA, VA, DSCR) and run your own scenarios.

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Purchase Analyzer

Enter your target price and down payment to see immediate comparative math on matching loan strategies.

Purchase Analyzer

Tell us about your homebuying goals to see estimated payments and options.

Notice: This analyzer is an interactive tool strictly designed to help you explore potential strategies. It does not pull your credit. For an official Loan Estimate or a legally binding custom rate quote, please request a custom quote or apply online.
* Assumes a qualifying credit profile and standard LTV guidelines. Not a commitment to lend.

Recommended Strategies

Based on your inputs, here are the paths available to you.

Purchase Categories

What is the primary intent for this property?

Primary Residence

I intend to live in this home for the majority of the year.

Second Home / Vacation

A vacation home or property I will live in part-time.

Investment Property

A property I intend to rent out or fix and flip for profit.

Property Condition

What type of home are you looking for?

Turn-Key (Move-in Ready)

I want a home that requires little to no work before moving in.

Fixer-Upper (Rehab)

I want to buy a home that needs some TLC or major renovations.

Primary Residence Options

How would you like to qualify for your mortgage?

Conventional

Standard financing for borrowers with good-to-excellent credit.

FHA / Gov / VA

Government-backed loans with flexible credit and low down payment options.

Non-QM (Alt-Doc)

Skip the tax returns. Options for self-employed and ITIN borrowers.

Jumbo Financing

For luxury properties exceeding standard county loan limits.

Conventional Programs

Standard Conventional

The standard route. Low down payment options for eligible buyers on single-family homes.

Fannie Mae HomeReady

Low down payment options with potentially reduced MI for eligible borrowers.

Freddie Mac Home Possible

A fantastic conventional alternative allowing for just a 3% down payment.

Government-Backed Programs

Standard FHA

Low down payment FHA options. Flexible credit requirements.

FHA 100% Combo

Low cash-to-close option! Combines standard FHA with a 3.5% second lien.

VA Loan

Zero-down options for eligible military/veterans with no PMI.

USDA (Rural)

Zero-down options for properties located in designated rural areas.

Non-QM & Alternative Income

Bank Statements

Qualify using 12 to 24 months of personal or business bank deposits.

1-Year P&L

Use a Profit & Loss statement prepared by a tax professional.

1099 Income

Qualify using your 1099 earnings instead of a full tax return.

ITIN / Foreign National

Options for borrowers without a standard SSN living in the US.

Fixer-Upper Programs

FHA 203(k) Rehab

Roll the cost of home renovations directly into your FHA purchase mortgage.

VA Renovation

Zero-down rehab option for eligible military/veterans. Max $50k rehab.

Fannie Mae HomeStyle

Finance renovations into a conventional loan. Great for buyers with strong credit.

USDA Renovation

Zero-down rehab option for properties located in designated rural areas.

Second Home Options

Financing options for your vacation or part-time home.

Conventional Second Home

Requires a down payment. Must be a 1-unit property occupied by owner part of the year.

Non-QM (Alt-Doc)

Qualify using 12-months of Bank Statements, 1099s, or a 1-Year P&L instead of standard tax returns.

Investment Options

Select your investment strategy.

DSCR (Debt Service) 1-4 Unit

Long-term financing. Qualify based entirely on the property's rental cash flow.

Multi-Family (5-9 Units)

Commercial DSCR financing for 5 to 9 unit properties based entirely on property cash flow.

Conventional Investment

Standard full-doc investor loans. Down payment requirements vary.

Fix & Flip

Short-term bridge debt to acquire and rehab a property. Based on After Repair Value (ARV).

Refinance Strategy

How would you like to explore your options today?

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Browse Loan Products

Read about specific loan types (Cash-Out, HELOCs, Rate/Term) and run your own scenarios.

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Refinance Analyzer

Enter your current loan details to instantly see potential monthly savings and matched products.

Refinance Products

Select a goal to view available loan programs.

Lower Rate / Change Term

Drop your interest rate, remove mortgage insurance, or switch to a shorter term.

Cash-Out Refinance

Replace your current mortgage with a larger one to tap into your home's equity.

Home Equity (2nd Liens)

Access cash without touching the low interest rate on your primary mortgage.

Rate & Term Refinance

Conventional Refinance

Standard refinance for homeowners with good equity and strong credit.

FHA Streamline

Lower your FHA rate with minimal paperwork. No appraisal required.

VA IRRRL

Lower your VA rate quickly. No appraisal or income docs required.

Non-QM (Alt-Doc)

Refinance using Bank Statements or 1099s instead of tax returns.

Cash-Out Refinance

Conventional Cash-Out

Tap up to 80% of your home's equity. Great for debt consolidation.

FHA Cash-Out

Tap up to 80% of your equity with flexible credit requirements.

VA Cash-Out

Tap up to 90%-100% of your equity. Highest limits in the industry.

Jumbo Cash-Out

Extract significant equity from high-value luxury properties.

Home Equity & 2nd Liens

Standard HELOC / HELOAN

Access up to 85% of your home's total value without touching your 1st mortgage rate.

Alt-Doc 2nd Lien

Self-employed? Access equity using bank statements instead of tax returns.

Refinance Analyzer

Enter your details so we can calculate potential savings and product matches.

Notice: This analyzer is an educational tool. For an official Loan Estimate or a legally binding custom rate quote, please request a custom quote or apply online.
* Assumes a qualifying credit profile and standard LTV guidelines. Not a commitment to lend.

Recommended Strategies

Based on your inputs, here are the paths available to you.

Ready to take the next step?

Get a custom quote or start your pre-approval application today.

Apply Now →
Estimated Results
LEGAL DISCLAIMER: This calculator is provided strictly for educational and illustrative purposes. The information, calculations, and rate estimates are based on general industry guidelines to the best of our knowledge and do not constitute a Loan Estimate, an offer to lend, or a guarantee of specific terms. APR calculation includes an estimated proxy for standard closing costs and origination fees (2.5% or 1.5% + $1,500). All scenarios assume a qualifying credit profile.

Fix & Flip Financing

Perfect For:

Real estate investors seeking short-term (bridge) debt to acquire and rehab a property.

On Your Radar:

  • Instead of qualifying based on DTI, lenders look at the After Repair Value (ARV) of the property.
  • Lenders cap the loan using three calculations. Your maximum loan is strictly the lowest of the three caps.
Your Estimated Costs

Your loan is limited by the lowest of these three caps:

    Max Loan Amount ⓘThe lowest of the three calculations. This is the absolute maximum the lender will finance.
    Base Equity Required ⓘTotal Project Cost (Purchase + Rehab) minus the Max Loan Amount.
    Est. Loan & Broker Fees ⓘIncludes estimated origination, broker, processing, and underwriting fees.
    Est. Appraisal Fee$650
    Est. Title, Recording, Transfer Tax
    Total Est. Cash to Close
    LEGAL DISCLAIMER: This calculator is provided strictly for educational and illustrative purposes. The information, calculations, and rate estimates are based on general industry guidelines to the best of our knowledge and do not constitute a Loan Estimate, an offer to lend, or a guarantee of specific terms. Does not include required Builder's Risk/Vacant property insurance. Rehab funds are held in escrow and reimbursed via draws.
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    Request Rate Quote

    Receive a custom rate quote for your exact scenario.

    * This is a request for information and does not constitute an offer to lend or a lock of interest rate.

    Strategic Financing. Endless Options.

    Most lenders focus solely on the "approval"—treating a mortgage as a one-time transaction. That approach ignores the bigger picture: a client's long-term financial trajectory.

    A mortgage is a critical financial tool, not just a pile of paperwork. By partnering with a vast network of wholesale lenders and investors, Robertson Home Mortgage unlocks access to an incredibly diverse range of loan products. This extensive partnership network ensures that debt structuring becomes a strategic asset—creating more flexibility, more tailored solutions, and ultimately, more pathways to YES.

    Dan Robertson

    Dan Robertson

    STRATEGIST & FOUNDER

    Click to read bio
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    With over a decade of experience spanning credit unions, correspondent lending, and fintech startups, Dan brings a multifaceted perspective to every loan he structures. Dan’s career has been defined by his role as a builder. Most recently, he helped launch and scale the lending operations for a pioneering fintech startup—serving as the Qualifying Individual responsible for the firm’s lending architecture and investor-focused lien strategies. Now, as the founder of his firm, Dan applies that "from-the-ground-up" knowledge to his clients' portfolios. His background allows him to see beyond the paperwork, ensuring that your mortgage is structured as a precise tool that aligns with your specific financial goals.

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