Real Estate and Mortgage Services by Ruben Akopyan

08/03/2025

🚨 Exciting Update for Real Estate Investors! 🚨
I’m now able to offer mortgages for investment properties in MOST states across the U.S.! 🏡📈

Whether you're building your portfolio or buying your first rental, I specialize in Non-QM (Non-Qualified Mortgage) loan solutions that go beyond traditional lending guidelines. Perfect for self-employed borrowers, entrepreneurs, or international investors.

✅ My specialties include:
🔹 DSCR (Debt-Service Coverage Ratio) – No income or job required, just rental income!
🔹 Bank Statement Loans – Qualify using 12 or 24 months of personal/business statements
🔹 Asset Depletion Loans – Use your assets instead of income to qualify
🔹 P&L Only – Use your CPA-prepared Profit & Loss statements
🔹 Foreign National Loans – No U.S. credit history required
🔹 1-Year 1099 / 1-Year W-2 – Great for contractors or newly-employed professionals

💼 If you’re an investor, self-employed, or have unique income scenarios, I can help structure a mortgage that fits your needs.

📲 DM me or comment below to get started. Let’s grow your portfolio the smart way!

05/22/2024

I'm thrilled to share that I've successfully closed another Non-QM loan! This particular mortgage was approved without the need for traditional tax verification. Instead, we utilized bank statements to verify income, securing a loan amount of $408,000 with 15% down payment (Purchase Price of $480,000)

Call the king of NON-QM!

🌟 What Are Non-QM Mortgages? 🌟

Non-QM mortgages offer flexible solutions for borrowers who might not meet the strict criteria of conventional loans. These loans are perfect for:

🔹 Self-employed individuals
🔹 Small business owners
🔹 Investors
🔹 Those with unique income sources

There are various types of Non-QM solutions available, including:

DSCR (Debt Service Coverage Ratio): This type of mortgage is aimed at real estate investors. Lending is based on the ratio of rental income to monthly loan payments, rather than the borrower's personal income. NO TAXES!

BANK Statements: This type of loan is suitable for self-employed individuals or entrepreneurs whose main income is not reflected in traditional tax returns. Bank statements are used to verify their ability to repay the loan. Personal, Business or BOTH! NO TAXES!

Asset Qualifier: Borrowers can use their assets, such as savings accounts, stocks, or bonds, as proof of their ability to repay the loan, without the need to demonstrate traditional income. NO TAXES!

Foreign National: This program is designed for non-residents or foreign investors wishing to purchase real estate in the country. Lending requirements may vary depending on the borrower's country of origin. NO TAXES!

1099 FORM: This type of loan is aimed at freelancers, contractors, or independent workers who receive income through Form 1099. This tax form is used to verify their income - NOT TAXES!

Business P&L: For business owners and entrepreneurs who can provide their company's profit and loss statement as proof of their financial stability. NO TAXES!

📞 Contact me today to explore your options!

Ruben Akopyan - 786-367-1344

Mortgage Loan Originator, NMLS #1972825 (Pioneer Mortgage Funding)

Real Estate Broker - Associate (United Realty Group)

Real Estate and Mortgage Services by Ruben Akopyan
https://www.mortgagebyruben.com
786-367-1344

Get low mortgage rates in seconds with a Florida Mortgage Broker. Use our FREE online pre-approval tool or our refinance rate checker.

04/27/2024

Are you ready to transform your vision into reality? Whether you're planning to rehabilitate an existing multi-unit property or embark on constructing new residential/rental buildings, I specialize in making big dreams happen. As a dedicated mortgage loan office with a focus on commercial and non-qm loans, I offer tailored financing solutions for projects ranging from $1 million to over $50 million for your next project

What I Offer:

Initial Financing: Jumpstart your project with the necessary funds to get off the ground. Ideal for developers and investors aiming to rehab or build from scratch.

Cash-Out Option: Once your project reaches completion, benefit from our cash-out options to continue expanding your portfolio or to start new projects.

Personalized Consultation: Each project is unique, and so is our approach. We discuss every case on an individual level to tailor the financing to your specific needs.

Experience Not Required: Don't let lack of experience stop you. We provide financing options for both seasoned developers and ambitious newcomers.

Ready to start your next project with the financial backing you need? Contact Ruben Akopyan to schedule your personal consultation today and take the first step towards bringing your project to life.



Contact Ruben Akopyan – (786)-367-1344), NMLS #1972825
Lic. Real Estate Broker – Associate and Lic. Mortgage Loan Originator
Pioneer Mortgage Funding, NMLS #1936558
United Realty Group

03/07/2024

Hi Facebook family!

Сегодня я хочу поделиться с вами важной информацией о различных видах нестандартных ипотечных кредитов, или так называемых non-QM ипотеках. Как лицензированный ипотечный кредитный специалист (NMLS #1972825), я здесь, чтобы помочь вам разобраться в этих программах и выбрать подходящий вариант для вашей уникальной ситуации.

Я специализируюсь на non-QM программах, которые могут предложить гибкие решения для тех, кто не соответствует стандартным требованиям кредитования.

1. DSCR (Debt Service Coverage Ratio): Этот тип ипотеки ориентирован на инвесторов в недвижимость. Кредитование основывается на соотношении доходов от аренды к ежемесячным платежам по кредиту, а не на личном доходе заемщика.

2. BANK Statements: Этот вид кредита подходит для самозанятых людей или предпринимателей, у которых основной доход не отражается в традиционной налоговой отчетности. Для подтверждения платежеспособности используются выписки с банковских счетов.

3. Asset Qualifier): Заемщики могут использовать свои активы, такие как сберегательные счета, акции или облигации, в качестве доказательства своей способности погасить кредит, без необходимости демонстрации традиционного дохода.

4. Foreign National: Эта программа предназначена для нерезидентов или иностранных инвесторов, желающих приобрести недвижимость в стране. Требования к кредитованию могут варьироваться в зависимости от страны происхождения заемщика.

5. 1099 FORM: Этот вид кредита ориентирован на фрилансеров, контрактников или независимых подрядчиков, которые получают доход по форме 1099. Для подтверждения дохода используется данная налоговая форма.

6. Business P&L: Для бизнесменов и предпринимателей, которые могут предоставить отчет о прибылях и убытках своей компании в качестве доказательства своей финансовой устойчивости.

Ruben Akopyan Real Estate and Mortgage Services by Ruben Akopyan

https://www.mortgagebyruben.com
786-367-1344

Get low mortgage rates in seconds with a Florida Mortgage Broker. Use our FREE online pre-approval tool or our refinance rate checker.

03/02/2024

09/03/2023

🏡 With years of expertise in the Floridian real estate market, I'm not just another Real Estate Broker Associate - I'm your gateway to your next home.

📑 Also, as licensed Mortgage Loan Officer in Florida, I specialize in tackling challenging mortgage cases. Whether you’re a foreign national, a freelancer with a 1099, or someone seeking discretion without revealing tax details, I’ve got tailored solutions for you.

Our Unique Mortgage Offerings:

📈 DSCR
🏦 Bank Statement Qualification
💼 1099 & P&L Approvals
🌎 Foreign National Approvals
💰 Asset Qualification
🌀 Mixed Loans.. and much more!
Don't let conventional loan requirements bog you down. With my dual expertise in real estate and mortgage lending, I'm uniquely positioned to assist you every step of the way.

Choose expertise. Choose discretion. Choose the best in Florida!

Contact me today and let's turn your real estate aspirations into reality! 🌴🏠🌊

Ruben Akopyan, NMLS #1972825
United Realty Group - Broker - Associate
Pioneer Mortgage Funding Inc. - Mortgage Loan Officer

CALL/TEXT/WHATS UP: 786-367-1344

https://www.mortgagebyruben.com

06/24/2023

https://mortgagebyruben.com/

Ruben Akopyan
Licensed Real Estate Broker-Associate (United Realty Group)

Mortgage Loan Originator, NMLS # 1972825
Pioneer Mortgage Funding Inc., NMLS # 1936558

05/22/2023

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