Tommy Kwong - Sound Lending Team

Tommy Kwong - Sound Lending Team Tommy Kwong, NMLS # 2068426
Sound Lending Team, NMLS # 2451903
Licensed Mortgage Broker

I am a Licensed Mortgage Broker, and I work with a wide variety of wholesale lenders all across the US. Some called me a matchmaker because I search for the best mortgage product for my client based on their financial situation, and then connect them with lenders that offer them. I also gather paperwork from the borrower and pass it along to a mortgage lender for underwriting and approval. Working

with a mortgage broker can the client time and effort during the application process, and potentially a lot of money over the life of the loan. Moreover, most wholesale lenders work exclusively with mortgage brokers, providing borrowers access to loans that otherwise would not be available to them.

🚀 Real Client Quote: Short-Term Rental Cash-Out Refi in Graham, WA!Operating an Airbnb or VRBO and want to pull tax-free...
08/27/2026

🚀 Real Client Quote: Short-Term Rental Cash-Out Refi in Graham, WA!

Operating an Airbnb or VRBO and want to pull tax-free equity out of your property without jumping through traditional income hurdles? DSCR financing makes it simple.

Here is a look at a real quote for a client refinancing a short-term rental property in Graham, Washington, to unlock cash for their next investment: https://soundlendingteam.com/real-client-quote-08-27-26-dscr-loan/

🚀 Real Client Quote: Fix & Flip Purchase + Rehab Financing!Thinking about getting into real estate investing but don't h...
08/25/2026

🚀 Real Client Quote: Fix & Flip Purchase + Rehab Financing!

Thinking about getting into real estate investing but don't have a massive portfolio of past projects? You don't need years of experience to get aggressive leverage on a fix-and-flip property!

Here is a real quote breakdown for a client tackling a major transformation—even with zero prior experience:

See the full breakdown here: https://soundlendingteam.com/real-client-quote-08-25-26-fix-flip/

📩 Send me a DM to run the numbers
📧 Email: [email protected]
📞 Call/Text: 206-889-9495

🛠️ Self-Employed or Business Owner? Your Tax Returns Shouldn't Limit Your Buying Power!If you run your own business, wri...
08/25/2026

🛠️ Self-Employed or Business Owner? Your Tax Returns Shouldn't Limit Your Buying Power!

If you run your own business, write off major expenses, or have complex income streams, traditional mortgage underwriting can feel like a brick wall. That’s where our Bank Statement Loan Program steps in.

Instead of relying on tax returns, we evaluate your real cash flow using 12 to 24 months of personal or business bank statements—giving you the leverage you deserve.

📩 DM me today
📧 Email: [email protected]
📞 Call/Text: 206-889-9495

Here’s a real, competitive DSCR mortgage quote secured for a real estate investor purchasing a single-family rental prop...
08/24/2026

Here’s a real, competitive DSCR mortgage quote secured for a real estate investor purchasing a single-family rental property in Tacoma, Washington. Debt Service Coverage Ratio (DSCR) loans allow real estate investors to qualify for long-term financing based solely on the property’s rental income potential; no tax returns, W-2s, or personal income verification are required.

https://soundlendingteam.com/real-client-quote-08-24-26-dscr-loan/

JUST FUNDED! DSCR Refinance – Investment Property in Olalla, WA 🌲🏡From expensive short-term financing to long-term stab...
08/07/2026

JUST FUNDED! DSCR Refinance – Investment Property in Olalla, WA 🌲🏡

From expensive short-term financing to long-term stability!

Our investor bought this property back in December 2025 using a hard money loan, then took out a 2nd hard money loan to finance a full rehab/remodel. Once the transformation was complete, they came to us to lock in long-term debt.

The challenge? The property was still completely vacant!

No problem for DSCR loans. We were able to consolidate both high-interest hard money loans into a single 30-Year Fixed DSCR Loan using market rent potential — putting long-term cash flow protection in place before the first tenant even moved in.

Why DSCR is the ultimate exit strategy for BRRRR investors:
✅Refinance out of hard money loans seamlessly
✅No tenant or lease required at closing (appraisal uses market rent)
✅No personal income or tax returns required
✅Consolidate multiple short-term debts into 1 low 30-year fixed rate

Finished a flip or rehab and ready to lock in long-term financing? Let’s map out your exit strategy!

DM me or email [email protected]
206-889-9495

Looking to tap into home equity without losing that low primary mortgage rate? Fixed Second Mortgages might be your best...
08/02/2026

Looking to tap into home equity without losing that low primary mortgage rate? Fixed Second Mortgages might be your best solution! 📈🏡

Whether you need traditional Full Doc qualification or Bank Statement options for self-employed borrowers, we’ve got flexible second mortgage solutions tailored to fit your goals:

Loan Amounts: $75k up to $750k
Max CLTV: Up to 85%
Flexible Terms: 10, 15, 20, and 30-year fixed rates

Property Types: Primary, secondary, and investment properties

Stop waiting on rates to drop before accessing your equity. Reach out to the Sound Lending Team today to explore your options!

📲 Call/Text: 206-889-9495
💼 Tommy Kwong | NMLS # 2068426
🏢 Sound Lending Team, LLC | NMLS # 2451903

JUST FUNDED! DSCR Cash-Out Refi – Investment Property in Sequim, WAAnother DSCR deal in the books — this time for a sing...
07/31/2026

JUST FUNDED! DSCR Cash-Out Refi – Investment Property in Sequim, WA

Another DSCR deal in the books — this time for a single-family rental on the Olympic Peninsula! 🌲🏠

Here’s the cool part about this one: our client originally planned to do a straight rate-and-term refinance with zero cash out. But when the appraisal came back significantly higher than expected, and his qualifying interest rate was super competitive, we pivoted. We increased the loan amount on the spot, allowing him to walk away with extra cash at closing to reinvest!

Why DSCR loans make it so seamless:
✅Cash-out based on rental cash flow, not tax returns;
✅Zero personal income verification required;
✅Quick adjustments when appraisal upside creates extra equity;
✅Ideal for investors looking to scale or capitalize on opportunistic cash.

When the numbers work in your favor, you take advantage of them. That’s how smart investors keep their momentum going.

If you own rental property and want to see how much equity you could be leveraging, let’s connect!

📩 DM me or email [email protected]
📱 206-889-9495

No seasoning? No tenants? No problem—DSCR Cash out on your terms.
07/28/2026

No seasoning? No tenants? No problem—DSCR Cash out on your terms.

Achieve more with our current DSCR Loan Rates: 6.875%!Check out this incredible real client quote from July 24th, 2026! ...
07/25/2026

Achieve more with our current DSCR Loan Rates: 6.875%!

Check out this incredible real client quote from July 24th, 2026! For a DSCR Cash Out 30Yr Fixed loan on a Duplex Investment Home valued at $600,000, we secured a 6.875% interest rate with an APR of 7.150%. And the best part? Zero discount points. Ready to lock in a personalized quote for your next investment? Contact us at 206-889-9495 to discuss how we can help you scale your portfolio.

Address

158 SW 148th Street , #1173
Seattle, WA
98166

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