About- Portfolio loans – Non Bank, Self Employed , Non Conventional  in TEXAS

Our Story  – Monty Busch

This is my site. I have spent the last 17 years originating  residential and commercial mortgages. Most of that time   specializing  in  portfolio, non conventional – non QM,  investment property loans and private real estate loans (we own Urban Coyote FUNDING and DB Capital (non bank landlord loans).

I am an experienced investor myself having bought and sold over 25 homes in the last 17 years. I am also an active landlord currently holding up to 15 properties. Transactions for non conventional loans and investors can be far more complicated than the ordinary loan for the owner occupier who qualifies based on great credit and provable income.  Our  real world experience  or helping structure these loans will give me an edge in finding the best situation – the best loan  for my clients.


Your first choice is conventional (Fannie Mae or Freddie Mac), best rates – why? The Govt. insures the loan (or a portion). These are very rigid in underwriting and require certain Debt to income ratios, no recent bk, short sell, mortgage lates, etc…

Next, small banks and other non-bank portfolio loans (meaning , they hold the loans ). Underwriting puts more emphasis on the asset (does it cash flow -does the rent cover the mortgage and expenses- simple)

Third choice – our “in house” hard money, used mostly to acquire for fix and flip or for acquisition and rehab before converting to one of the above options.These loans are for investors only. 


How we make your loan and who is the lender? (see below)

We have relationships with various small banks, insurance companies and other non-bank funds and Portfolio Mortgage investors. 

Loan Reason (purchase,refinance, cash, other, why you need the loan…)
Your Loan details: (loan amount and property details):
Reason you may not qualify conventional :
explanation for any credit problems (BK, foreclosure, other …be specific)
do you know credit score:


NMLS #1819300
OFN Processing Services, LLC.
1795 NW Highway Dallas, Texas 75041
Monty Busch NMLS 305272 Loan originator


Call  or Apply online, maybe you have a quick scenario :