About Mark Neely: Nashville Mortgage Broker, DSCR and Bank Statement Loan Specialist

What I Specialize In

Most loan officers do one thing well. I built my practice around a few overlapping specialties that share a common thread: solving problems that single-lender shops can't solve well.

DSCR Loans for Real Estate Investors

DSCR (Debt Service Coverage Ratio) loans are one of my biggest specialties. We qualify the loan on the property's rental income, not your personal tax returns or W-2s. No employment verification. No DTI calculations. If the rent covers the payment, the deal works. I close hundreds of these for investors building portfolios, especially in Tennessee, Florida, Alabama, and Texas where rental demand is strong.

Bank Statement Loans for Self-Employed Borrowers

If you're a business owner, 1099 contractor, or entrepreneur whose tax returns don't show your real income, bank statement loans solve that. We use 12 or 24 months of bank deposits to qualify you. Available for primary residences, second homes, and investment properties.

First-Time Homebuyer Financing

Every state I'm licensed in has solid first-time buyer programs (THDA in Tennessee, AHFA in Alabama, Florida Housing in Florida, TDHCA and TSAHC in Texas) and I know how to stack them with FHA, USDA, VA, or conventional 97 to keep your cash to close as low as possible.

Relocations

A huge part of my volume is buyers moving from one state to another, especially into Tennessee, Florida, and Texas. We can pre-approve you remotely, coordinate with your home sale, handle bridge financing, and close fast so you can compete in markets where speed wins.

Real Estate Investors at Every Stage

From your first rental to your hundredth, we have lender programs that fit. Conventional investment loans, DSCR, portfolio loans, fix and flip, 2 to 4 unit, foreign national, and small commercial. Whatever the strategy, we can probably finance it.

Why a Broker Beats a Bank

A mortgage banker only sells their own bank's loan products. A mortgage broker shops your loan across many lenders. That's the basic difference, but here's why it actually matters:

• More loan programs: Bank statement, DSCR, foreign national, non-warrantable condo, jumbo with creative income, and other specialty programs that big banks often don't offer.
• More competitive pricing: Lenders compete for your file. That competition usually shows up in your rate.
• More flexibility on tough files: If one lender says no, we have other options. A single-lender shop has one answer and that's it.
• Faster turn times: Because we know which lenders are fast right now and which are bogged down, we route your file to the one that fits.

Per usual, the right loan with the right lender saves real money over the life of the mortgage. We do the shopping so you don't have to call ten different banks.

States I'm Licensed In

• Tennessee: Nashville, Franklin, Brentwood, Murfreesboro, Memphis, Knoxville, Chattanooga, and statewide.
• Alabama: Birmingham, Huntsville, Mobile, Montgomery, Auburn, and statewide.
• Florida: Miami, Tampa, Orlando, Jacksonville, the 30A corridor, and statewide.
• Texas: Dallas-Fort Worth, Houston, Austin, San Antonio, and statewide.

The Team

My loan partner Katie Edwards works every file with me. She's the reason borrowers get answers fast, documents move quickly, and nothing falls through the cracks. We work as a pair on every deal, which is why our closing times beat industry averages.