Capital strategy for those who build wealth differently.
DSCR portfolios. Ground-up construction. Commercial acquisitions. Bank-statement lending for entrepreneurs. MortgageMan Jay structures financing for investors and business owners whose success doesn't fit a W-2 — across 31+ states through Mpire Financial Group.
Financing that respects how you make money
Sophisticated capital solutions for portfolios, projects, and enterprises — matched to the right program, never forced into the wrong one.
DSCR Portfolio Lending
Qualify on the asset's income — your tax strategy stays yours.
- No personal income documentation
- Purchase, rate/term & cash-out
- Title in LLC or entity
- Long-term & short-term rentals
Fix & Flip
Asset-based acquisition and renovation capital, built for speed.
- Purchase plus rehab budget
- Expedited closings
- Structured renovation draws
- Exit to sale or DSCR refinance
New Construction
Ground-up financing for builders and developers.
- Spec & build-to-rent projects
- Land plus vertical construction
- Experienced & emerging builders
- Construction-to-permanent paths
Commercial
Income-producing property, financed with intention.
- Multifamily 5+ units
- Mixed-use, retail & office
- Acquisition & refinance
- Flexible deal structures
Entrepreneur Home Lending
Bank-statement and alternative documentation programs.
- 12–24 month bank statements
- 1099 & P&L programs
- Primary, second home & investment
Traditional Mortgages
Conventional, FHA & VA — handled with the same care.
- Purchase & refinance
- First-time buyers welcome
- Clear guidance, no jargon
Underwrite it before we speak
Pressure-test the deal in thirty seconds — payment and debt-service coverage, the way a lender sees it.
Estimates only. These calculators are for illustration and education. Results are not a quote, rate offer, pre-qualification, pre-approval, or commitment to lend. Actual rates, payments, leverage limits, and program terms vary based on credit, experience, property, appraised values, and market conditions, and are subject to change without notice. Fix & flip and construction figures assume maximum leverage of 75% of after-repair value and 85% of total project cost respectively; actual limits vary by lender and borrower profile, and appraisals determine final values. Fix & flip and construction loans are business-purpose loans. Program guidelines, including minimum DSCR requirements, vary by lender.
Tell me about the deal
A brief, confidential intake so our first conversation is a working session. No credit inquiry. No obligation.
Already know your deal? Start the file.
Complete a secure online application in about 15 minutes. Your information is encrypted and comes directly to me.
Begin ApplicationYou'll be taken to our secure loan application platform. Submitting an application authorizes a review of your credit and financial information as part of underwriting.
MortgageMan Jay
Most lenders see a self-employed borrower or a leveraged investor and reach for a rejection letter. I reach for a structure. My practice is devoted to real estate investors, entrepreneurs, and builders — people whose balance sheets tell a better story than their tax returns.
Through Mpire Financial Group LLC (NMLS 2108504) — an Orlando-based mortgage broker, lender, and correspondent lender licensed across 31+ states and territories — I place each transaction with the right capital partner for the deal, drawing on a deep network of investor-focused lenders.
Straight answers
What investors, builders, and business owners ask most.
Who offers DSCR loans for real estate investors in Florida?
MortgageMan Jay (James Gomez, NMLS #2020258) originates DSCR rental property loans through Mpire Financial Group LLC (NMLS #2108504), based in Orlando and licensed in Florida plus 31+ states and territories. DSCR loans qualify you on the property's rental income instead of tax returns, and title can be held in an LLC.
Can I get a mortgage if I'm self-employed and write off most of my income?
Yes. Bank statement programs use 12–24 months of business or personal bank deposits instead of tax returns; 1099 and P&L programs are also available. These are designed for entrepreneurs and business owners whose tax returns understate their real cash flow.
How much can I borrow for a fix & flip project?
Fix & flip financing typically covers the purchase price plus renovation budget, with total leverage up to about 75% of the property's after-repair value (ARV). Exact limits depend on experience, credit, and the specific lender's guidelines — run your numbers in the calculator above.
Do you finance ground-up construction — and does my land count toward the down payment?
Yes. Ground-up construction loans run up to roughly 85% of total project cost (land plus build), and if you already own the land free and clear, its value is typically credited toward the equity requirement — in many cases covering it entirely.
What states do you lend in?
Through Mpire Financial Group LLC: AL, AZ, AR, CA, CO, CT, DC, FL, GA, ID, IL, IN, KS, LA, MD, MI, MS, MT, NE, NJ, NM, NC, OH, OK, OR, PA, PR, SC, TN, TX, VA, and WI. Home base is Orlando, Florida.
How do I get started?
Call or text 321-217-0383, email [email protected], request a consultation above, or begin a secure application. No fee and no credit impact to have a conversation.
Reach me personally
No call centers. No hand-offs. Call, text, or write — I respond quickly.
Contact
189 S. Orange Ave, Suite 2020
Orlando, FL 32801