Bank-Statement (12 / 24-mo)
Schedule C or self-employed client with intentionally low net income. We average actual deposits across 12–24 months of statements — not the taxable income on the 1040.
Self-employedYou spend the year legitimately minimizing a business owner’s taxable income — then a retail lender reads that low AGI as “can’t afford the house.” That’s the write-down trap. We qualify your clients on 12–24 months of bank statements, P&L, K-1, or assets — no amended returns, no dropped deductions — so they keep your tax strategy and get the loan. No referral fees (AICPA + RESPA-clean), and one senior contact who picks up.
When a lender bounces your client over the low AGI you worked all year to create, the client calls you. Here’s what changes when the lender underwrites real cash flow instead.
Clients write income down to minimize taxes, then DTI underwriting reads that as “can’t afford it.” We qualify on bank statements, P&L, 1099s, assets, or K-1 / distributions — no amended returns, no dropped deductions.
When an LO tells your client “add back your deductions” or “amend two years of returns,” the client calls YOU and your tax planning looks like the problem. Refer to a lender who underwrites real cash flow and you stay the hero.
Under the AICPA Code (commissions and referral fees barred for attest clients, disclosure otherwise) and RESPA Section 8, a no-fee relationship keeps you clean. A trust signal, not a downgrade.
Cash-out for a tax bill, entity / LLC-titled property, 1031 timing, interest deductibility, debt-vs-liquidate — tax questions wearing a mortgage hat. We coordinate with you, not around you.
Multiple-entity owners, recently-self-employed, large-write-off Schedule C/E filers, K-1 partners, DSCR investor clients — exactly the files conventional desks decline, and exactly your roster.
At tax prep and year-end you hold the returns, the entity structure, and the liquidity reality before any lender does — the moment to flag a refi, a cash-out, or an entity purchase.
You write a business owner’s income down to minimize tax; a retail underwriter reads that low AGI and declines. These are the programs that qualify the same client on real cash flow or assets — so they keep your deductions and still close.
Schedule C or self-employed client with intentionally low net income. We average actual deposits across 12–24 months of statements — not the taxable income on the 1040.
Self-employedEstablished business owner whose CPA-prepared profit-and-loss statement tells a stronger story than the 1040. We qualify off the P&L instead of two years of write-down returns.
Business ownersContractor, commissioned, or gig professional whose gross 1099s far exceed post-write-off AGI. We use the 1099 income directly — no add-backs, no amended returns.
1099 · ContractorHigh-net-worth or recently-exited client who is asset-rich and W-2-poor. We convert verified liquid balances into qualifying income — no paystub required.
HNW · RetiredPartner or S-corp owner whose actual distributions outstrip the income that lands on the return. We qualify on what the entity actually pays them.
K-1 · S-corpReal-estate-investor client who’d blow up conventional DTI. We qualify on the property’s rent — no personal tax returns from the borrower at all.
Investor clientsClients holding property in an LLC or entity for liability or estate reasons. We close in the entity name instead of forcing title into the individual to satisfy an underwriter.
LLC · EstateSeveral K-1s, or under two years self-employed — the files auto-declined everywhere else. We pre-structure the income story before the application goes in.
Complex · <2yrHave a client who can’t qualify on their returns? Send us the scenario — we’ll tell you the path before you make the intro.
Every Fidelity loan runs on the Mortgage Hub portal. With your client’s consent, you get read-only visibility into the same milestone tracker your client and our underwriter see — so when a cash-out, an entity purchase, or a year-end liquidity move depends on the loan, you’re working from real status, not a forwarded email.
No referral fees. No volume quotas. No exclusivity. Just a lender that qualifies the clients you write down — and hands them back to you when the loan funds.
Below are real reviews from Fidelity clients whose profiles mirror a tax-advisory book — business owners, professional real estate investors, builders, and multi-property / 1031-exchange clients. Every quote is verbatim from a public review on Google or Zillow; click through to verify on the source.
Working with Robert Shamie was a dream. He and his team made the process of refinancing our mortgage so smooth and easy. And fast! He was an absolute professional and went above and beyond to make sure our loan went through.
As a real estate investor I have come across many professionals. One of the most important aspects in my line of business is funding. Robert Shamie’s professionalism and ability to obtain outstanding terms surpasses many others. I highly recommend Robert and team.
We’ve been in real estate for many years, having financed and refinanced dozens and dozens of properties. Robert Shamie and Fidelity Residential are among the best we’ve ever worked with — careful attention to detail, quick response times, patience in answering the many questions.
I have worked with Robert and Lindsy on many purchases and refinances over the last 15 years, and I always come back because of the competitive rates, efficient service and no-nonsense approach to getting the deals done. This time, we were in a multi-asset 1031 exchange and needed to close 2 properties in a narrow time frame. Robert provided excellent advice on how to structure the 1st purchase so that the 2nd would be able to close without any issues, and both deals were able to close early.
Robert, Lindsy and the entire team at Fidelity Residential went above and beyond. My wife and I are both business owners, which can make the home buying process more difficult. This was not the case. Robert and Lindsy told us exactly what they needed and the process was simple and straightforward. We will be doing business only with Fidelity Residential moving forward.
This is my second loan with Robert and I was very pleased. My loan situation is somewhat ‘out of the box,’ but Robert was able to provide a few scenarios to work with. We chose what best fit our needs, then Robert and Lindsy got it done.
A senior team member responds within one business day. We will not add you to a marketing list, and no thing of value flows to you for any referral.