David Ross - NMLS 262463 - Cardinal Financial

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David Ross - NMLS 262463 - Cardinal Financial Cardinal Financial Company, Limited Partnership NMLS ID 66247

David Ross and his team offer the professional assistance you need for all your mortgage endeavors. Purchase or refinance, first-time home buyer or long-time investor, the David Ross Team seeks clients for life. With vast experience and thousands of closed loans, David Ross offers a high level of professionalism and a wealth of knowledge in Residential Lending.

Securing the right financing starts with knowing your options. Standard mortgages do not fit every buyer or investor, wh...
10/17/2026

Securing the right financing starts with knowing your options. Standard mortgages do not fit every buyer or investor, which is why we offer alternative solutions that look at your complete financial picture.

Here is a straightforward guide to the specialized loan programs we use to help clients across the country build wealth through real estate.

Bank Statement Loan: This program uses 12 to 24 months of personal or business bank deposits to calculate qualifying income instead of tax returns or W-2s. It is ideal for self-employed borrowers who write off expenses to minimize taxable income.

Asset Depletion Loan: This calculates a monthly income stream by dividing a borrower's eligible liquid assets by a set number of months (typically 60 to 84 months). We use this for retirees or high-net-worth individuals with significant savings but low traditional monthly income.

DSCR Loan: This qualifies the loan based entirely on the property's expected rental cash flow rather than your personal income. It is the preferred tool for real estate investors looking to scale their portfolios without personal income limits.

Full Doc Non-QM: This uses standard income documents like W-2s and tax returns, but allows for flexible guidelines outside of standard Fannie Mae or Freddie Mac rules, such as closing in an LLC.

Whether you are buying your first investment property or scaling a portfolio across multiple states, our team at David Ross Loans has more than two decades in real estate lending to find the right solution for you.

Review your borrowing capacity and connect with our team to discuss your real estate goals today.

Fall is a great time for a mortgage check-inIf you’re wondering what you should be doing with your mortgage right now, s...
09/22/2026

Fall is a great time for a mortgage check-in

If you’re wondering what you should be doing with your mortgage right now, start with your goals, not with trying to time the market.

Your budget, timeline, and future plans matter more than short-term predictions. Let’s build a mortgage strategy around what you’re trying to accomplish.

Today, we remember and honor the lives lost on September 11, 2001, and the courage of those who responded. We will never...
09/11/2026

Today, we remember and honor the lives lost on September 11, 2001, and the courage of those who responded. We will never forget.
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Buying a home with solar? Whether the panels are owned or leased can make a difference when qualifying for a mortgage.☀️...
09/11/2026

Buying a home with solar? Whether the panels are owned or leased can make a difference when qualifying for a mortgage.
☀️ Owned solar: The panels may contribute value to the property when supported by the appraisal and local market.
☀️ Leased solar: The monthly payment may need to be included in your debt-to-income (DTI) ratio, depending on the terms of the solar agreement and applicable loan guidelines.
Before making an offer on a home with solar, have your lender review the solar agreement. The ownership structure, payment terms, and financing arrangement can all affect your mortgage qualification.
Have questions about financing a home with solar? I can help you review the details before you make an offer.

Stop trying to qualify for investment properties using your personal income.If your tax returns make traditional financi...
09/07/2026

Stop trying to qualify for investment properties using your personal income.
If your tax returns make traditional financing difficult, a DSCR loan may give you another way to qualify.
With a Debt Service Coverage Ratio loan, qualification is primarily based on the investment property’s rental income compared with its required housing payment, rather than relying on your personal employment income or traditional debt-to-income ratio.
For real estate investors, DSCR financing can offer several advantages:
• No traditional personal-income qualification
• No W-2 or paystub income calculation
• Options for short-term and long-term rentals
• Ability to hold the investment property in an LLC with eligible programs
• Financing designed specifically for investment properties
This can be especially useful for investors who use depreciation and business deductions that reduce the qualifying income shown on their tax returns.
If you are buying or refinancing an investment property, I can help you compare DSCR, conventional, and other Non-QM options to determine which financing structure makes the most sense for your situation.
The goal is not just to qualify for the next property. It is to structure your financing so you can keep growing your portfolio.

Want to qualify using your personal income but still close your investment property in an LLC?Some Non-QM loan programs ...
09/06/2026

Want to qualify using your personal income but still close your investment property in an LLC?
Some Non-QM loan programs allow real estate investors to use traditional income documentation, such as W-2s, paystubs, or business tax returns, while still taking title to the property in an LLC.
That can be a useful option for investors who:
• Have strong documented income
• Want financing outside traditional agency guidelines
• Prefer to hold investment properties in an LLC
• Want more flexibility in how the loan is structured
Not every Non-QM program works the same way, so eligibility depends on the borrower, property, loan structure, and lender guidelines.
If you’re buying or refinancing an investment property, I can help compare a traditional conventional loan, DSCR loan, and full-doc Non-QM option to see which structure makes the most sense.

Paid cash for an investment property? You may not have to wait six months to access your equity.Fannie Mae’s Delayed Fin...
09/05/2026

Paid cash for an investment property? You may not have to wait six months to access your equity.
Fannie Mae’s Delayed Financing Exception may allow eligible cash buyers to refinance shortly after purchasing a property rather than waiting through the normal cash-out refinance seasoning period.
To qualify, the original purchase generally must have been an arm’s-length transaction, and the source of the funds used for the cash purchase must be documented.
The new loan amount is also subject to specific limits based on the original acquisition cost, closing costs, existing liens, and standard loan-to-value requirements.
Why investors use delayed financing:
• Make a stronger cash offer
• Close quickly
• Replenish capital after closing
• Put that capital to work on the next investment
If you recently purchased a property with cash, I can help determine whether delayed financing is available and how much equity you may be able to access.

09/04/2026

Long weekends are a good reminder to slow down, recharge, and enjoy time with the people who make home feel like home.

Wishing you a safe and relaxing Labor Day weekend!

Own rental properties but your tax returns make it hard to qualify for another mortgage?This is a common problem for rea...
09/03/2026

Own rental properties but your tax returns make it hard to qualify for another mortgage?
This is a common problem for real estate investors.
You may use depreciation and legitimate business deductions to reduce your taxable income. That can be great for tax planning—but it can also reduce the income a traditional mortgage lender is able to use when qualifying you.
That’s where a DSCR loan can help.
A Debt Service Coverage Ratio loan primarily qualifies the investment property based on its rental income compared with the property’s required housing payment, rather than using your personal employment income or traditional DTI calculation.
Depending on the program, DSCR financing can also offer investor-friendly features such as:
• No traditional personal-income qualification
• No W-2 or paystub income calculation
• Ability to close in an LLC
• Options for short-term and long-term rentals
• Financing for investors purchasing across multiple states
Your tax strategy shouldn’t necessarily stop you from growing your real estate portfolio.
If your tax returns are making conventional financing difficult, let’s see whether a DSCR loan makes more sense.

The myth I hear the most: "I probably don't qualify, so why bother asking."I've watched that assumption cost people a ho...
08/20/2026

The myth I hear the most: "I probably don't qualify, so why bother asking."

I've watched that assumption cost people a house they could have had. The only way to know your real number is to check.

Send me a message. Worst case, you learn where you stand. Best case, you're closer than you think.

Address

901 N Green Valley Pkwy, Suite 190
Henderson, NV
89074

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 7am - 6pm
Sunday 7am - 6pm

Telephone

+17024838122

Website

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