Joshua Mettle

The problem isn't your business or the income on your tax returns. The problem is your talking to the wrong bank. Traditional banks were built for W-2 employees. So when you write off legitimate business expenses and use smart tax strategies, many traditional lenders make it look like you don't qualify. There are mortgage options designed specifically for self-employed business owners. DM "GUIDE" and I'll show you how entrepreneurs can qualify without the frustration of the traditional process. #SelfEmployed #Entrepreneur #Mortgage #BusinessOwner #NEOHomeLoans

82% of businesses fail because of cash flow problems—not because of bad ideas. If you're a business owner, the capital you need to grow, navigate slow seasons, or seize new opportunities may already be sitting in your home's equity. Let's explore whether you can put that equity to work for your business. Send me a message to learn more.

Most buyers meet the underwriter right before closing. Our clients meet them before they even start house hunting. Why? Because we'd rather uncover any issues upfront than surprise you a week before moving day. Getting pre-underwritten means more confidence, less stress, and a smoother path to your new home. Comment "APPROVED" below, and I'll send you the details on how to get fully pre-underwritten before you start shopping. 🏡

Why being self-employed makes it harder to buy a home? If you're self-employed, you've probably been told your tax returns don't make sense or you don't show enough income after deductions—even though your business is thriving. That's because most mortgage guidelines were built around W-2 income, not the way entrepreneurs actually build wealth. You reinvest in your business. You maximize deductions. That doesn't mean you shouldn't qualify for a mortgage. traditional banks don't understand entrepreneurs so we created the self-employed home loan. You don't need tax returns to qualify. You can qualify using bank statements, 1099 income, assets, or rental income instead of traditional tax return income calculations. You worked hard to build your business. You deserve financing that looks at your real financial strenght. 📩 DM "GUIDE" and we'll send you our Entrepreneur Home Loan Guide so you can explore your options.

Success doesn’t come from having the perfect plan. It comes from showing up, doing the work, and staying consistent, especially when it’s hard. That’s what Mastermind Summit is all about.

Frustrated that your tax write-offs are hurting your chances of buying a home? You're not imagining it. Traditional mortgage underwriting wasn't designed for entrepreneurs. That's why the Self-Employed Home Loan Program helps qualifying business owners get approved based on their real financial strength, not just what's on their tax return. Comment "SELF EMPLOYED" and see if you can get pre-approved in minutes.

Why investors like Grant Cardone use more debt, not less... Most people think all debt is bad. Successful real estate investors know that’s simply not true. The difference isn’t whether you have debt. It’s what that debt is attached to. When debt helps you acquire cash-flowing assets, it can become a tool for building long-term wealth. Comment INVEST if you’d like to learn how strategic financing can help you build wealth through real estate.

Why do six-figure doctors get declined for mortgages? 🤔 The answer has nothing to do with how much they earn. Comment "DOCTOR" below to see how much you can qualify for in minutes.

Biggest mortgage myth for self-employed borrowers: You don't have to use tax returns to qualify. Comment "SELF-EMPLOYED" and I'll let you know what mortgage options may be available for your situation.

You’re not hard to finance. Traditional mortgage guidelines weren’t designed for entrepreneurs, freelancers, and business owners. You may have more options than you think. Comment “APPROVED” and we’ll help you explore what’s possible.

Why do traditional banks treat self-employed borrowers like they're financially unstable even when they have millions in the bank?

Most people don't know you can get a loan even if you're self employed.

Thinking about remodeling your home but don't want to lose your low-rate first mortgage? Most renovation loans base your borrowing power on your home's current value. The NEO Renovation Loan looks at the future value of your home after the renovation is complete. ✅ Keep your existing first mortgage ✅ Borrow based on after-renovation value ✅ No draw fees ✅ No inspection hassles ✅ Get the flexibility to pay contractors directly If you've been putting off a renovation because financing felt complicated, this may be worth exploring. DM "RENO" to learn more.

You don’t have to move to get your dream home. Maybe you need more space. Maybe your kitchen needs a serious upgrade. But selling, buying, and moving can be expensive and disruptive. You can keep your current low-rate first mortgage and borrow based on your home’s after-renovation value. That means you can access cash for major improvements without paying off your current low mortgage. ✅ Borrow on after-renovation value ✅ Keep your current first mortgage ✅ Control the funds without traditional draw fees DM me “RENO” and I’ll send you the quick breakdown.

You can run a successful business, write off expenses legally, have strong cash flow... ...and still get declined by a bank. Not because you can’t afford the house. Because the system wasn’t built for entrepreneurs. Most self-employed borrowers aren’t being told the full story about their mortgage options. That’s why we created this post. Swipe through the myths, then decide for yourself. 📩 Comment “APPROVED” if you’d like a second opinion on your situation.

You can run a successful business, write off expenses legally, have strong cash flow... ...and still get declined by a bank. Not because you can’t afford the house. Because the system wasn’t built for entrepreneurs. Most self-employed borrowers aren’t being told the full story about their mortgage options. That’s why we created this post. Swipe through the myths, then decide for yourself. 📩 Comment “APPROVED” if you’d like a second opinion on your situation.

Most investors are focused on what happens this month. The wealthy are focused on what happens over the next 30 years. Here's what most people miss: Your mortgage payment stays the same. Your rent keeps going up. Over time, inflation quietly destroys the real value of your debt while increasing the income your property produces. EXAMPLE: 📈 Year 1: 87% of rent goes toward the mortgage 📈 Year 15: 49% of rent goes toward the mortgage 📈 Year 30: Just 27% of rent goes toward the mortgage That's why experienced investors think in decades, not days. To help you visualize this, we built a free Rent Erosion Calculator that shows exactly how inflation can impact your properties over 10, 15, 20, 25, and 30 years. Comment **WEALTH** and I'll send you free access to the calculator.

📣 Agents, read this before your next condo deal! Condo financing rules are changing, and most agents don't know it's coming. Here's what's happening: ✅ Fannie and Freddie are doing away with the "limited review" that made a lot of condo loans quick and easy. Now most condos require a FULL review. ✅ That means three things have to qualify, not one: your buyer, the appraisal, AND the HOA itself (budget, reserves, insurance, and any litigation). ✅ HOAs are the wild card. They can take up to two weeks just to hand over their budget, so a deal you thought was conventional can suddenly need a different program. It's not the buyer. It's the BUILDING. More condo buyers (and the agents who represent them) are going to get surprised mid-transaction. Buildings that closed fine a year ago may not clear today. Send me a message if you want the full breakdown of what's changing. Let's make sure none of your condo deals get caught off guard! 🏙️

After being turned down by multiple lenders, he thought the deal was dead. With earnest money already on the line, the fear wasn't just missing out on the house. It was losing money, losing time, and having to start the entire process over. The challenge? A mix of W-2 and 1099 income. Unfortunately, many lenders struggle with income that doesn't fit neatly into a standard box. Instead of finding a solution, they simply say no. Fortunately, a referral led him to our team before he gave up. We took the time to understand the full income picture, structured the file correctly, and helped get the loan approved. If you've been told your income is too complicated, don't assume you're the problem. Chances are, you're dealing with a lender who doesn't know how to properly structure a complex income file. Before you walk away from the home you want, get a second opinion. 📩 DM "SECOND OPINION" if another lender has told you no.