Hector Blanchet

Non-QM lending, straight from the president

I'm Hector Blanchet, president of Vision One Mortgage in Tustin. When you work with me, you're dealing with the person who runs the company — no handoffs, no call centers, no committee three states away. We built this company for the borrowers banks decline: real estate investors and self-employed earners whose real income shows up in rental cash flow and bank deposits, not on a tax return.

Our flagship is the DSCR investor loan: if the property's rental income covers the mortgage, you can qualify — no tax returns required, no W-2s, no personal income verification. The full Non-QM shelf below covers buying, refinancing, and cash-out across CA, AZ, TX, FL, and GA.

Programs I run

• DSCR Investor Loans — qualify on rental cash flow, not personal income
• Bank Statement Loans — 12–24 months of deposits for self-employed borrowers
• Airbnb & STR Loans — short-term rental income counts
• Rental Portfolio Loans — financing for growing portfolios
• Fix & Flip Loans — fast investor capital, closes in days
• Bridge & Hard Money — short-term speed when a deal can't wait
• Cash-Out Refinance — pull equity out of rentals or a primary home
• 1099 & Self-Employed — qualify on 1099 earnings

How it works

• 1. Check eligibility — use the form below or call me at (949) 253-3480. No hard credit pull to start.
• 2. Start your application — register and upload your documents securely through our application portal.
• 3. Close — typical Non-QM closes run 14–21 days; fix & flip and bridge portfolios close in days.