Complex scenario desk
Complex income, DSCR, self-employed, foreign national, or a deal that simply does not fit a cookie-cutter box. Tell us the details below and get a real answer from Benji Gecy within 24 hours, not an auto-generated decline.
Submitting a scenario is not a loan application. Your available programs, pricing, property eligibility, and underwriting result depend on your complete financial picture, the property, and current guidelines.
Step one
Fill out the form below with as much detail as you have. Property address, target purchase price, estimated rent or income, and what has made this deal tricky so far all help us get you a useful answer faster.
Submitting a scenario is not a loan application and does not affect your credit. A member of the Beaufort Lending team reviews every submission personally — no automated approvals or declines.
What happens next
Every submission is read by a person. Here is what the next 24 hours look like.
Benji or a member of the team looks at your actual scenario rather than a generic rate sheet.
A call, text, or email with either a workable structure or the specific questions we still need answered.
If the scenario does not fit right now, we say so and point you toward what might work instead.
Why a scenario, not an application
Submitting a scenario lets a real person look at the facts of your deal before any formal application happens, so you find out what is realistic before you commit to anything.
Online applications are built for a W-2 borrower buying a primary residence. If your situation involves rental income, self-employment, an LLC, or a non-warrantable condo, a form with fixed dropdowns often produces a generic and inaccurate decline.
DSCR financing can be qualified on the property's rental income rather than personal tax returns. Property type, reserves, credit, and program rules all need review.
Business owners whose tax returns understate cash flow may have documentation paths that a standard application never asks about.
Borrowers without traditional US credit or a Social Security number are not automatically ineligible, though documentation and down payment requirements differ.
Non-warrantable condos, unusual property types, and deals another lender already turned down are worth a second look before you assume the answer is no.
Prefer to talk first?
If typing the details into a form feels like more work than describing them, call or text instead. You will reach a person, not a queue.
Common questions
Any loan situation you are not sure fits a standard box — a DSCR rental purchase, self-employed income, an LLC-vested buyer, a non-warrantable condo, or a deal another lender already turned down. If you are unsure whether it qualifies, submit it anyway and let us tell you.
No. Submitting a scenario is not a credit application and does not trigger a credit pull. We review the numbers you provide, not your credit file.
Within 24 hours in almost every case. Complex scenarios occasionally need a follow-up question or two before we can give you a useful answer.
We will tell you directly rather than leave you guessing, and point you toward what is likely to work instead. Not every scenario is a fit, and we would rather you know that in 24 hours than after a formal application.
A real answer, either way
Send us the details above, or reach out directly. Either way you will hear from a person who has looked at your actual numbers.
Benji Gecy, NMLS #302188 · Beaufort Lending, NMLS #1703543 · Equal Housing Lender
