Investor Cash Flow Loans

No personal income used to qualify

No limit on number of properties financed

No DTI restrictions

25% Minimum Down Payment

Must have housing history and own a primary home

No employment required on application

2 years seasoning FC, SS, BK, or DIL

Qualification based on property cash flow (rent equals mortgage, ratio of 1).

Loans up to $1.5 million

Credit scores starting at 640

Brian Kelly

Sr. Loan Officer
NMLS# 1783690
602.622.1145
Email Me
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Brian is amazing! We’ve actually used Brian twice now for refinancing. He really has his clients best interest at heart! I’d highly recommend him and have to numerous friends.

Jana P | Gilbert, AZ

My refi experience with Brian Kelly was great. It was easy and stress-free. Brian was very informative and made sure I understood every step in the process. Brian was very quick to respond to any questions or concerns. I would recommend him 10 out of 10 times.

Gabi M | Gilbert, AZ

Our experience with Brian was exceptional. This was our first time buying a home, and he made the process easy to understand and efficient. His communication was consistent and quick and he was able to complete the process much sooner than anticipated. He took the time to explain everything in detail and always answered any of our questions with accessible clarity. We cannot recommend his services enough!

Brian N | Gilbert, AZ

From the moment we contacted Brian to the funding going through he was by our side! Always ready, willing, and able to answer questions, provide guidance, and settle first time home buying fears. He made the process an enjoyable experience and without a doubt we will be using him to help buy our next home. He has become a friend through this whole thing and his presence is required at our house warming party. Forever thankful for getting us the best rate he could, and being human through the process. Thank you Brian!

Tyler M | Phoenix, AZ

While on the final steps of buying my new house. I called Brian to ask a few questions regarding my rate and payment. I was very pleased with his knowledge and explanation of rates. I decided to use Brian instead of my previous lender because he saved me money on rates and fees that were not offered by the other lender and explained to me in detail the difference of a mortgage lender and broker. I felt like I wasn’t being sold he was offering me a better deal regardless. I strongly recommend Brian Kelly he helped me in understanding the full process

Chase S | Phoenix, AZ

Brian has been great to work with, I have know Brian for many years. He is professional, knowledgeable and cares for the client. He provides a step by step guide so buyers can understand the loan process. I appreciate his attentiveness and the importance of making the home buying process smooth and easy for the client. I look forward to continuing to work together

Betty G | Gilbert, AZ

I have worked with Brian for my own personal loans and for my clients loans. As a Real Estate Agent I need a lender who I can trust to offer the best loans, experience and customer service. Brian exceeds all these needs and goes above and beyond for all his clients!

Ryan P | Phoenix, AZ

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