Lupe Fonseca

DSCR and Non-QM loans, handled by a person — not a call center

I'm Lupe Fonseca, a loan officer with Vision One Mortgage in Tustin. I work with real estate investors and self-employed borrowers whose files don't fit the big-bank checklist — rental income, bank deposits, and real cash flow instead of tax returns.

My focus is DSCR investor loans: if the property's rental income covers the mortgage, you can qualify — no tax returns required, no W-2s, no personal income verification. I also run the full Non-QM shelf below for borrowers buying, refinancing, or pulling 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 (714) 222-8189. No hard credit pull to start.
• 2. Start your application — register and upload your documents securely through my application portal.
• 3. Close — typical Non-QM closes run 14–21 days; fix & flip and bridge portfolios close in days.