The Businessman’s Mortgage Broker
Nolan Davis is an experienced mortgage broker specializing in complex income scenarios for business owners. He also works with W-2 professionals, first-time buyers, and high-net-worth borrowers seeking clear, well-structured financing.
Educational content only. We are not your lender until a formal application is submitted. Rates and approvals are not guaranteed.
NMLS #1835375
Licensed mortgage broker
Nearly a decade
Of mortgage experience
DC & Virginia
Washington, D.C. metro markets
Complex income
Self-employed specialist
Who this is for
If your income story is more complicated than a single W-2, you’re in the right place.
Self-employed borrowers
1099 contractors, freelancers, and sole proprietors whose tax returns understate real cash flow.
Business owners
Multi-entity operators, S-corp and LLC owners with complex K-1s, write-offs, and depreciation.
Jumbo loan buyers
Purchasing above $1M in DC, Arlington, McLean, Bethesda, or the surrounding metro area.
DC condo buyers
Navigating warrantability, HOA reserves, and building eligibility requirements unique to DC.
Featured mortgage insights
No insights published yet.
DC business owner FAQs
How do you verify income for self-employed borrowers?
We review tax returns, bank statements, business financials, and cash flow trends to build a reliable income picture. Starting early — ideally 60 to 90 days before making offers — helps avoid last-minute documentation issues.
Can I use business assets for a down payment?
In many cases, yes. We map out sourcing, transfer timing, and documentation requirements so funds are acceptable to lenders. Most lenders require a 60-day paper trail on down payment funds.
Are DC condos harder to finance?
They can be. Building financials, owner-occupancy ratios, and HOA reserves all influence eligibility. We help evaluate buildings before you commit so you don't discover a warrantability issue mid-contract.
What is a typical jumbo down payment in DC?
It varies by lender and borrower profile, but most jumbo buyers plan for 10% to 25% down. Bank statement programs often require 20% to 25%. We tailor options based on your liquidity and qualification path.
What if my tax returns show a loss?
This is common for business owners who write off aggressively. Bank statement programs, asset depletion models, and expanded addback approaches can all qualify you based on real cash flow rather than taxable income.
Ready to find out what you actually qualify for?
Stop guessing based on your tax returns. Get a clear picture of your real purchasing power with a confidential mortgage strategy review.