Skynet Financial Co

Skynet Financial Co We take great pride in what we do.

We have been serving the state of California for over 20 years and it’s our specialty to help anyone we can get the loan they deserve.

09/02/2026

"You need 2 years of tax returns to get approved for a mortgage."

Not true. Not anymore, at least.

If you're self-employed, a business owner, or your tax returns don't reflect what you actually bring in (write-offs, we see you), there are loan programs built specifically around that. Bank statements. Asset-based qualifying. Real numbers instead of the number your accountant worked hard to minimize.

The "2 years of tax returns or nothing" rule is conventional lending. It's not the only lending.

Comment "MYTH" and I'll show you what actually gets looked at instead

08/27/2026

Happy Thursday! 🏡

Quick reminder for real estate investors: you don't need to show W2 income to qualify for a loan on your next rental property.

DSCR loans qualify based on the property's rental income, not your personal paycheck. If the numbers on the property work, that's what matters.

Great option for investors scaling a portfolio without jumping through traditional income verification hoops.

Comment "DSCR" below or DM me and I'll send you the details.

If you're a nurse, teacher, firefighter, or first responder, you've probably heard "you don't make enough" from a lender...
08/25/2026

If you're a nurse, teacher, firefighter, or first responder, you've probably heard "you don't make enough" from a lender at some point.

That's frustrating, especially when you show up every day doing work that actually matters.

Skynet Financial Co works with frontline workers who want to buy a home or refinance but keep running into roadblocks with traditional lenders. We look beyond the standard checklist and find loan programs that actually work for your income and situation.

No W2 required. No tax returns needed. Bad credit considered.

Comment "FRONTLINE" below and we'll reach out with your options.

📍 Serving California
🔗 skynet.financial

08/19/2026

Got denied by a big bank? That's not the end of the story.

Non-QM loans look at the full picture, not just a W2. Bank statements, rental income, assets counted differently... there's more than one way to qualify.

We've helped self-employed borrowers and investors close when traditional lenders said no.

Comment "OPTIONS" below and I'll walk you through what's possible for you.

08/10/2026

Self-employed and keep getting told no by your bank?

That's usually not a "you" problem, it's a documentation problem. Most banks want two years of tax returns showing a clean, high income. But if you write off a lot of expenses (like most self employed people do), your tax returns don't reflect what you actually make.

That's where bank statement loans come in. We look at your actual cash flow, 12-24 months of bank statements, instead of your tax returns. No W2, no pay stubs needed.

This works well for:

- Business owners

- Freelancers/contractors

- Real estate agents

- Anyone with irregular or 1099 income

Bad credit or a rocky financial history doesn't automatically disqualify you either, we look at the full picture.

If you've been turned away before because your tax returns "don't show enough income," let's talk. Comment "BANK" below or DM us and I'll send you the details.

07/28/2026

If you own rental properties, you already know the math matters more than your W2.

DSCR loans are built for real estate investors. Instead of qualifying based on your personal income, approval is based on whether the property's rental income covers the mortgage payment.

That means self-employed investors, people with multiple properties, and anyone whose tax returns don't tell the full story can still qualify.

Skynet Financial Co works with investors across California, Nevada, and Florida to structure DSCR loans that actually make sense for their portfolio.

07/15/2026

First time buying a home is already stressful enough without your lender making it harder.

A lot of first time buyers assume they need perfect credit, a W2, and 20% down to even have a conversation. That's not always true, especially in California where there are a lot more options than most people realize.

We work with buyers who are self-employed, have non-traditional income, or just haven't found a lender willing to actually look at their full financial picture.

If you've been told no, or haven't even started because you assumed you wouldn't qualify, it might be worth a conversation.

📍 Serving California
🔗 skynet.financial

Address

17842 Irvine Boulevard Suite B232
Tustin, CA
92780

Opening Hours

Monday 10am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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