Loans without the fences.
For the self-employed, real estate investors and homeowners who want cash without giving up a low rate. Qualify on how you actually earn, not on a bank's checklist.
- Self-employed? How to qualify with bank statements, not tax returns
- Investor? How to let the rent qualify you, even in an LLC
- Homeowner? How to get cash without touching your low first-mortgage rate
- Real examples with the math worked out
Get the free guide
Tell us where to send it. It downloads right away, and a copy of your request goes to Brad and Buddy.
Five pages. Every question answered.
Three programs, and a quick way to see which one fits you.
Bank statement loans, with an income example worked out.
DSCR investor loans and the simple rent test.
A fixed-rate second mortgage, plus the Texas homestead rules.
All three programs compared on one page.
This guide is for you if…
- Your tax returns make your income look smaller than it is
- You buy or own rental property
- You have equity and a low first-mortgage rate
- A bank told you no, or "not yet"
Local lenders who teach first
Brad Robbins and Buddy Michna are branch managers at Top Notch Mortgage, with offices in Austin and Taylor. They listen first, explain every option in plain English, and then recommend the loan that fits you, not the other way around.
Read the guide, then call or text either of them directly: Brad 512-269-5278 or Buddy 512-595-6220.
Before you download
Is the guide really free?
Yes. Download it instantly. Brad or Buddy may follow up to answer questions, and there is no obligation and no credit pull.
Do I need tax returns?
Not for Open Range Self-Employed or Open Range Rental. The guide explains what we use instead.
Will this cost more than a regular loan?
Open Range loans trade extra flexibility for pricing that is usually a bit higher. We always show you a standard option side by side when you qualify for one.
Program guidelines as of October 2026 and subject to change without notice. All loans subject to credit approval, underwriting, appraisal and property eligibility. Not all applicants will qualify. This is not a commitment to lend.
Grab the other two while you're here
Top Notch Build™ Borrower Guide
The plain-English guide to building a new home in Central Texas with one loan, one approval and one closing. Land, construction and your permanent mortgage, all wrapped together.
Get the free guide →
Top Notch Down Payment Assistance Guide
The plain-English guide to down payment assistance that works with FHA, USDA and HUD 184 home loans. You don't have to be a first-time buyer.
Get the free guide →