Your income isn't a W-2. That's fine.
Business owners, freelancers and investors have more than one way to qualify. I'll walk you through the documentation and loan types that fit how you earn.
What clients say
“Had the pleasure to work with Stone Merton out of Jacksonville, Florida! Was a pleasure working with him. Very knowledgeable and didn’t treat me like just a customer. Stone treated my wife and I like a friend and made getting our first house a wonderful experience!”
“Our first time selling a home and moving into our forever dream home. Working with Stone had been one of the easiest and least challenging processes that I have ever gone through!! Stone was extremely attentive to my questions and needs. He would always reply quickly to any questions I had and would do everything within his power to make this a seamless process!! I highly recommend The Anchor Team for any of your real estate dealings!!”
“Great experience , long hours of support, sometimes after hours ,question's always answered, 7 days a week always there for me ! I would refer to all my friends.”
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What you get
Know what to gather
Self-employed documentation can feel heavy. I give you a clear list so you only collect what matters.
DSCR for investors
DSCR loans focus on the rental property's income, which can simplify the process for investors.
Grow a portfolio
Planning a second, third or tenth property? Let's talk structure before you offer.
Second homes too
Conventional options may fit second homes and some investment purchases.
What to expect
- Free consultation
- Choose the right documentation path
- Submit your file
- Close
Ready to talk numbers?
Start your application or book a free consultation to map your best path.
Not a commitment to lend. All loans are subject to credit approval and program guidelines.
Programs to look at
Educational overviews. Eligibility and availability vary by program, location and borrower.
Quick answers
What is a DSCR loan?
DSCR means debt service coverage ratio. It compares a rental property's income to its debt obligations, and these loans are for investment properties only.
I write off a lot of expenses. Can I still qualify?
It can affect how income is calculated on some loan types. That is exactly why we talk before you apply, so you know your options.
Can I use these for a primary home?
DSCR is for investment property. For a primary home, we'd look at other programs.
Local to the First Coast
Based in Middleburg, helping buyers across Jacksonville and Northeast Florida.
- Middleburg, FL
- Jacksonville, FL
- Orange Park, FL
- Fleming Island, FL
- Green Cove Springs, FL
- Clay County, FL
Area photography, credited below.
Not quite you?
First-time buyers
Buying a home for the first time is a lot. I'll break it into steps, answer every question and help you find programs that may fit, including down payment assistance.
VA buyers
VA loans are one of the most valuable benefits of military service. I'll help you understand it, get your eligibility documents and move toward your home.
Credit challenges
Your score is one number. I look at the whole picture, including manual underwriting where available, and build a plan that gets you from where you are to where you want to be.
Ready to talk numbers?
Start your application or book a free consultation to map your best path.
Ready to move forward?
Start your application online. It takes about 10 minutes.
Not sure where to start?
Book a free, no-obligation call. Bring your questions.
- Free, no-obligation consultation
- Takes about 10 minutes to start
- Or call (904) 844-1148
Not a commitment to lend. All loans are subject to credit approval and program guidelines.