The Notebook
Notes from a career of files since 2002.
No rate-bait, no recycled press releases. What actually closes in South Florida — condo warranting, self-employed income, investor math — written by the person who structures the loans.
August 13, 2026 Self-Employed Mortgage in South Florida: How to Buy Without Tax Returns Your CPA minimized your taxable income — then a bank quoted your mortgage off that number. A business-owning originator explains bank statement, 1099 and P&L loans for South Florida's self-employed. → August 13, 2026 Non-Warrantable Condo Loans in Fort Lauderdale: How Buyers Still Get Financed Litigation, low reserves, too many investors — Broward and Palm Beach condos fail Fannie and Freddie rules constantly. A Fort Lauderdale originator lending since 2002 explains what non-warrantable means and every financing path that still works. →