How Lendz Turned a Self-Employed Roadblock Into a Win
Case Study

Saving the Move:

How Lendz Turned a Self-Employed Roadblock Into a Win

November 4, 2025

Client: Lety Radulovich

Broker: Del Home Lending

About Del Home Lending

When a self-employed borrower’s loan fell apart just days before a cross-country move, broker Lety Radulovich turned to Lendz Financial for help. With the clock ticking, the Lendz team combined speed, clear communication, and deep non-QM expertise to rescue the deal - transforming a near disaster into a smooth, on-time closing.

The Challenge: A Loan on the Brink, Five Days from Closing

The borrower, a self-employed professional, was days away from closing and preparing for a cross-country move when their original lender discovered they couldn’t approve her loan. With just five days left before the scheduled closing - and the moving truck already booked - Lety needed a lender who could act fast and handle a complex self-employment income scenario.

The Solution: A Quick Pivot to the Lendz Bank Statement Program

Lety immediately reached out to her Lendz Account Executive, Salvador, who quickly identified that the borrower could qualify through the Lendz Bank Statement Program.

“Salvador is amazing; he leaves no stone unturned when looking for financing solutions,” Lety shared. “He was able to save this deal by quickly pivoting to business bank statements.”

Working closely with Account Manager Marla, the Lendz team restructured the file, reviewed the business statements, and guided Lety step-by-step through what was needed to get approval. Their communication was constant, their responsiveness unmatched, and their shared goal clear - getting this loan closed on time.

The Result: A Win for the Borrower - and for Lety

  • Closed on time, just five days after the previous lender’s deal collapsed
  • Borrower relocated cross-country without any delay or added expense
  • Seamless teamwork between Lety, Salvador, and Marla delivered speed, confidence, and constant communication
  • Two new client referrals from the same community, thanks to the borrower’s outstanding experience

This wasn’t just a saved deal - it was proof that speed, program knowledge, and partnership create lasting wins for brokers and their clients.

“Lendz Bank Statement Program is perfect. There were no issues once we moved the file to business bank statements,” Lety said. “Salvador and Account Manager Marla were fast, efficient, and great at communicating where the deal was and what was needed.”

Lety Radulovich
Branch Manager, Del Home Lending

No items found.

Keep reading

Bank Statements

Bank Statement Loan Requirements

You’ve probably worked with clients who have plenty of income coming in, but when it’s time to apply for financing, the numbers on their tax returns tell a completely different story.

October 28, 2025

Broker Tips
Bank Statements

What Are Bank Statement Loans?

Bank statement loans aren’t new, but most brokers still miss how powerful they are. When you know how to position them not just as a workaround but as a strategic tool, you stop chasing leads and start building long-term referral relationships.

October 21, 2025

Broker Tips
DSCR

Top DSCR Strategies Every Mortgage Broker Should Know

Anyone can quote a DSCR loan. The mortgage brokers who know how to leverage it are the ones investors call back, turning loan programs into long-term partnerships.

October 13, 2025

DSCR

DSCR Loan 101: Down Payments, Rates, And More

The real estate market has become one of the most active zones for rental property investments. From affordable home values to high rental demand, more investors are exploring long-term strategies in the region.

October 5, 2025

Broker Tips
DSCR

Why Loan Officers Who Master DSCR Loans Dominate the Real Estate Investor Market

Investors think differently than traditional borrowers. They want to know if a property cashflows, how quickly you can close, and whether you’ll be a partner in growing their portfolio. When you can answer those questions with confidence, you become the first call for serious investors.

September 30, 2025

Broker Tips
DPA

Down Payments & Non-QM Lending: What Brokers Need to Know

One of the most powerful levers you control is the down payment. The way you structure it impacts risk, approval speed, and pricing — and when managed effectively, it creates smoother approvals, faster closings, and stronger broker relationships.

September 24, 2025

Broker Tips

8 Email Subject Lines Mortgage Brokers Use That Get Borrowers to Respond

When your subject line is clear, urgent, and speaks directly to what the borrower cares about, you’re not just getting opens, but you’re getting replies.

September 10, 2025

Case Study

Securing a Closing Against the Clock with Expert Partnership

Zach Taylor, a broker at Loan Wolf Lending, encountered a high-pressure scenario. A promising deal for his borrower was in jeopardy after her original lender denied a bank statement loan due to its own specific internal guidelines, despite the file having a strong, completed appraisal.

August 28, 2025

P&L Only

What To Know About Profit And Loss Statements For A Loan Application

A profit and loss statement for a loan application can unlock financing for self‑employed borrowers who lack typical pay stubs.

July 30, 2025

Broker Tips

Why Real-Time Pricing Sets Top Mortgage Brokers Apart

When you look at what separates top producers from the rest, one habit stands out more than anything else. The best mortgage brokers use real time pricing to guide every conversation with their borrowers.

September 10, 2025

Broker Tips

Level Up Your Pre-Qual Game: Questions Top Brokers Ask (That Others Don’t)

Anyone can collect income, assets, and credit, but the brokers who consistently win are the ones who dig deeper, ask better questions, and uncover opportunities the borrower didn’t even know existed.

September 3, 2025

Case Study

Lendz Secures $1.4M New Construction Loan in 10 Days, Protecting $700K Escrow Deposit

In luxury real estate, timing can mean the difference between success and financial disaster. Mortgage Consultant Gaby Bermudez faced this exact scenario when her client’s $1.4M new construction loan hit unexpected delays.

August 28, 2025

Broker Tips

Top Mortgage Brokers Aren’t Waiting Weeks to Close, Neither Should You

The best closers don’t work harder; they work earlier. Every file they touch is front-loaded with the right documents, clear timelines, and no open questions. That means when the file hits underwriting, it moves instead of sitting in limbo while everyone waits for missing pieces.

August 20, 2025

Broker Tips

How Mortgage Brokers Can Filter Out 80% of Files That Won’t Fund

Every unqualified lead that hits your desk costs you comp, not just time. If you spend just 30 minutes chasing a no‑go, you just pushed areal file to tomorrow. The fix is simple: run a 5‑minute checklist on every new inbound.

August 13, 2025

Broker Tips

Why Mortgage Loan Officers Who Respond in Under 60 Minutes Close More Deals

In today’s hyper-competitive market, loan officer response time can make or break the deal. Responding to a mortgage inquiry within the first hour doesn’t just give you a head start- it gives you a significant conversion edge.

August 5, 2025

DSCR

How To Calculate DSCR In Real Estate For Mortgage Coverage

Understanding how to calculate the Debt Service Coverage Ratio (DSCR) in real estate helps investors and brokers assess the financial strength of an income-producing property. The Debt Service Coverage Ratio (DSCR) indicates whether a property generates sufficient cash flow to cover the cost of its loan.

June 23, 2025

DSCR

DSCR Loan Requirements: Are You Ready To Apply?

If you're a real estate investor searching for financing that moves fast and works around your income profile, a DSCR loan could be the right solution. At Lendz Financial, we help investors qualify based on rental income, not personal income. Hence, you can secure funding even if you don’t fit into traditional lending boxes.

June 16, 2025

DSCR

What Is DSCR In Real Estate?

When venturing into real estate investment or financing, understanding key financial metrics is essential. One of the most crucial measures is the Debt Service Coverage Ratio (DSCR), which helps assess a property's financial health. DSCR shows how much income a property generates relative to its debt obligations, guiding investors, lenders, and buyers in evaluating risk.

June 9, 2025

DSCR

DSCR Loan For Real Estate Investors

Real estate investment in the US presents a compelling opportunity, driven by the country's diverse markets, expanding population, and strong economic fundamentals. However, securing financing for investment properties can be challenging. One option that has gained popularity among real estate investors is the Debt Service Coverage Ratio (DSCR) loan.

June 2, 2025

Book
Broker Tips

10 Tips For Mortgage Brokers Looking to Generate More Business

Mortgage brokers can increase sales and grow their business by networking with industry professionals, implementing targeted advertising, creating referral incentives, offering educational seminars, maintaining a strong online presence, and using proactive outreach methods like cold calling and direct mail. Building trust through transparent communication, assembling an effective team, and staying informed about industry trends further solidify brokers' success and credibility.

March 26, 2025

Vedio game remote
Broker Tips

Plug and Play With Non-QM Loans: A Game-Changer for the Mortgage Industry

Non-qualified mortgage (non-QM) loans provide flexible financing options for borrowers who don't qualify for traditional loans, allowing mortgage brokers to reach more clients, increase profits through higher interest rates, and build lasting customer relationships, making non-QM loans essential for industry growth.

March 26, 2025

lendz and lendingpad
Partnership

Lendz and LendingPad Further Integration Through Wholesale Channel

On February 23, 2023, Lendz Financial announced a wholesale mortgage integration with LendingPad, aimed at simplifying and modernizing broker lending processes. The partnership leverages advanced technology to eliminate inefficiencies and provides user-friendly solutions with multilingual, US-based support.

March 26, 2025

Foreign National Loans
Foreign National

Foreign National Loans: Pros, Cons, and Ideal Clients

Foreign National loans are Non-QM mortgages tailored for non-U.S. citizens investing in U.S. properties. These loans offer simplified qualification, flexible documentation, and versatile property options. While rates are higher and down payments larger, they attract serious international investors. Brokers offering these loans can expand their client base and increase competitive advantage.

March 12, 2025

Proven Marketing Strategies
Broker Tips

Proven Marketing Strategies to Attract Non-QM Clients for Mortgage Brokers

To effectively market to non-QM clients, brokers should understand client needs, build trust, strengthen online presence, network strategically, host educational events, and consistently follow up. Using targeted communication and authentic engagement, brokers can attract and retain Non-QM clients by making them feel valued and understood.

March 12, 2025

Business man
Broker Tips

Mortgage Broker’s Guide to Non-QM Success: Seven Key Tips

Non-QM loans offer mortgage brokers growth opportunities by catering to self-employed and uniquely situated borrowers. Brokers succeed by understanding loan options, building lender relationships, mastering alternative documentation, educating clients, using technology, staying current on industry trends, and nurturing long-term client relationships.

March 12, 2025

News
Lendz

Why Lendz Is the Best Non-QM Lender for Mortgage Brokers in 2025

Non-QM loans from Lendz Financial offer brokers flexible financing solutions for clients with unique financial profiles. With efficient processes, industry expertise, advanced tools, and exceptional customer service, brokers can close more deals and expand their client base effectively.

March 12, 2025

BackgroundBackgroundSeven Key Tips