Heating Up Your Pipeline This Summer

As summer approaches, many real estate investors and clients begin revisiting goals and exploring new opportunities. For brokers, June may be a key time to reconnect, re-engage, and keep conversations moving.

At Emporium TPO, having access to a range of lending solutions may help you stay prepared for a variety of client scenarios.

Lending Solutions to Keep in Mind

DSCR Options for Investors

Debt Service Coverage Ratio (DSCR) programs focus on property cash flow rather than personal income, which may be relevant for certain investment scenarios, including properties used for short-term rentals.

DSCR solutions may:

• Consider rental income when evaluating the property
• Support investment-focused financing approaches
• Provide additional options for clients building or expanding portfolios
• Be applicable to a range of property use cases, including short-term rental scenarios

Alt Doc for Non-Traditional Income

For self-employed clients or those with unique income structures, alternative documentation options may provide additional paths to explore.

Alt Doc programs may include:

• Bank statement options
• 1099 income scenarios
• Profit and loss documentation

Full Doc Options with Empower & Elevate

Full Doc solutions, including programs like Empower and Elevate, may be considered for clients with standard income documentation.

Full Doc documentation may include:

• Paystubs dated within 30 days of application
• W-2 forms
• Written Verification of Employment (WVOE)
• Third-party Verification of Business for self-employed clients (typically 24 months)

Keeping Momentum Going

Staying connected may make a difference this time of year. Reaching out to past clients, revisiting prior scenarios, and connecting with your Account Executive for additional information may help keep your pipeline active.

At Emporium TPO, we’re focused on providing solutions designed to align with a range of client needs—because every piece of your pipeline matters.

                                                                                                           *Restrictions May Apply