Real results from real clients. See how Louis Doherty has helped Florida families achieve their homeownership goals.
Young couple with credit score of 595 and limited savings. Previous lender denied their application citing low credit and insufficient down payment funds.
Structured FHA loan with 3.5% down payment using gift funds from family. Connected clients with Florida Housing down payment assistance program for additional $3,000 in closing cost help. Credit coaching to improve score from 595 to 605 in 30 days.
Closed in 38 days. Monthly payment: $1,875 (PITI). Clients now building equity instead of renting. Saved $8,375 in down payment through DPA and gift funds.
Self-employed entrepreneur purchasing canal-front estate. Complex income documentation (multiple LLCs). Needed fast closing to compete in luxury market.
Secured jumbo loan through portfolio lender with bank statement program (no tax returns required). Pre-approved in 72 hours with full underwriting. Coordinated with luxury property appraiser familiar with waterfront valuations.
Closed in 32 days. Rate: 6.125% (excellent for jumbo). Monthly payment: $10,125 (PITI). Client secured dream waterfront property with boat dock in competitive Las Olas market.
Real estate investor with 6 existing rental properties. High DTI from other mortgages. Wanted to add 7th property but couldn't qualify based on personal income.
DSCR (Debt Service Coverage Ratio) loan qualifying based on property's rental income, not personal income. No tax returns or employment verification required. Property's rent ($2,850/month) easily covered PITI payment ($2,225/month) for 1.28 DSCR ratio.
Closed in 26 days. Rental income: $2,850/month. Cash flow: $625/month positive after PITI. Client now owns 7 properties generating $19,000/month total rental income. Building wealth through real estate.
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