Coming Home —
My 203K Loan Story.
Commission income. 51% DTI. $222,500 purchase price. $12,500 in seller concessions. 53 days from offer to keys. This is what a 203K loan looks like in real life.
I Grew Up in Baton Rouge. Katrina Took Me Away. A 203K Brought Me Back.
Hurricane Katrina displaced my family to Mississippi in 2005. I built my career there and in Missouri — and spent years as a renter, even as a loan officer who knew exactly which programs could get me into a home.
In 2026 I finally used them. I found 705 Dawes Drive in Denham Springs — a property that needed work, had a detached structure, an in-ground pool, and the bones of something great. I submitted an offer. We negotiated $12,500 in seller concessions. And 53 days later I had keys.
Commission income. 51% DTI. One year in my current role. The exact file profile most lenders would have turned away. I closed it — and I'm documenting every step of the renovation so buyers can see what a 203K loan actually looks like from the inside.
"I am a borrower, a homeowner, an investor, and your loan officer. I am not selling you something I haven't done myself."
By the Numbers — The Actual File
What We're Building at Dawes Drive
This is a full renovation — not a cosmetic refresh. The 203K Limited financed the non-structural work. Here's what's in scope:
Because Most Buyers Don't Know This Is Possible.
I've told buyers about the 203K loan for years. I've explained the process, walked through the numbers, described the contractor bid requirements. But there's a difference between explaining a program and showing someone your actual closing disclosure.
Commission income qualifies. 51% DTI qualifies. One year in a role qualifies. A property with a detached structure and a pool qualifies. The buyers who need to hear this most are the ones who've already been told no — or who assume they can't qualify based on something someone said once.
Dawes Drive is proof. Follow along on TikTok for renovation updates, short-term rental launch content, and the full financial picture.
From Offer to Short-Term Rental
If I Can Do It — Let's Talk About What You Can Do.
Commission income. High DTI. A property that needed work. If your situation looks anything like mine did — don't assume you can't qualify. Apply with a soft pull and let me look at your actual file.
Everything you need to know about the program I used — Limited vs Standard, what qualifies, how draws work, and how fast it can close.
Learn More → What's NextOnce the rental is established the plan is a DSCR cash-out refi — no tax returns, qualifying on rental income alone. The investor's path to scaling.
Learn More → Your TurnZero credit impact. I'll look at your file and tell you exactly which program fits and what it takes to get to closing. Free, no obligation.
Apply Now →
