Case Studies

Real California Creator Closings

Eight closed loans, anonymized at the borrower's request. Real numbers — qualifying income, loan amount, doc list, timeline. Each one is a file a traditional bank would have declined.

M.K. — OnlyFans Creator

West Hollywood · April 2026 · Bank Statement Loan

$840K

Funded · 23-day close

Borrower Profile

27 years old, 4 years full-time on OnlyFans, LLC structure for privacy and tax. 740 FICO. First-time homebuyer.

Property

2-bed, 2-bath condo in West Hollywood. $1.05M purchase price. 20% down ($210K) → $840K loan.

Income Source

OnlyFans weekly payouts (Fenix International) → personal account
Throne/Amazon wishlist tip income → ~$1,800/mo
Occasional collab/custom content sales

Documentation

12 months personal bank statements
LLC formation docs
ID + credit pull
Reserves verification (6 months)

12-mo avg deposits: $24,800/mo · Personal account ratio: 100% · Qualifying income: $24,800/mo ($297K/yr) · Front-end ratio: 35% on $5,950 PITI · Approved for up to $840K loan.

Outcome: Declined by 2 traditional banks first (Schedule C showed $94K net after deductions — would've capped her at ~$365K). Bank statement loan unlocked her real qualifying income. Closed in 23 days at 7.875% on a 30-year fixed.

A.L. — YouTuber (Gaming)

Silver Lake · March 2026 · Bank Statement Loan + S-Corp W-2

$1.15M

Funded · 26-day close

Borrower Profile

31 years old, 850K subscriber gaming YouTube channel, 5 years full-time. S-Corp with W-2 salary + distributions. 770 FICO.

Property

3-bed, 2-bath Spanish bungalow in Silver Lake. $1.45M purchase. 20% down → $1.15M loan (just above conforming).

Income Source

AdSense + memberships → S-Corp account
Sponsorship deals via gaming agency
Merch line (Spreadshop) + small Patreon

Documentation

12 mo business bank statements
W-2 self-paid salary + pay stubs
S-Corp formation docs
Reserves verification (4 months)

W-2 salary: $8,000/mo (100% credited) + Business deposits avg: $28,500/mo × 60% expense ratio = $17,100/mo. Combined qualifying: $25,100/mo ($301K/yr) · Approved up to $1.18M loan.

Outcome: Traditional jumbo quote denied — his S-Corp tax return showed $145K of net income after retirement contributions + business deductions. Bank statement + W-2 combo unlocked true income. Closed at 7.625% on a 7/1 ARM (he plans to refi to conventional in 3 years).

J.R. — Twitch Streamer + Variety

Long Beach · February 2026 · 1-Year Self-Employed

$595K

Funded · 28-day close

Borrower Profile

26 years old, Twitch Partner streaming variety games. Only 14 months full-time (left W-2 dev job). 710 FICO. Wanted to buy before LA prices climbed further.

Property

2-bed condo in Long Beach. $700K purchase. 15% down ($105K) → $595K loan.

Income Source

Twitch monthly payout (subs + bits + ads)
StreamElements donations
Two seasonal sponsor deals

Documentation

12 months personal bank statements
LLC formation date (14 months prior)
First-year tax return (Schedule C)
Reserves (6 months — required for 1-yr SE)

12-mo avg deposits: $13,400/mo · Personal account: 100% · Qualifying income: $13,400/mo ($161K/yr) · 1-year SE add-on accepted (most lenders require 2 yrs) · Approved up to $595K.

Outcome: Five lenders had told him he needed to wait until month 24 of self-employment. CreatorHaus closed him at month 15 using the 1-year program. Rate: 8.125% on a 30-year fixed. He plans to refi to a standard 2-yr non-QM loan at month 26 to drop the rate.

D.T. — Business Podcaster (S-Corp)

Corona del Mar · January 2026 · P&L Loan

$2.24M

Funded · 21-day close

Borrower Profile

43 years old, runs a top-100 business podcast network (2 shows). S-Corp with monthly CPA-prepared P&L. 760 FICO. 8 years full-time podcasting.

Property

4-bed Corona del Mar single-family. $2.8M purchase. 20% down ($560K) → $2.24M jumbo loan.

Income Source

Direct sponsor reads (booked via agency)
Megaphone ad-network programmatic CPM
Patreon premium feed (3,800 subs)
Course launches (3/yr)

Documentation

CPA-prepared 12-month P&L (PTIN, EIN, signed)
CPA cover letter
S-Corp formation docs
Reserves (6 months)

12-mo P&L net income: $580,000 ($48,300/mo) · Used directly as qualifying income · Approved up to $2.24M jumbo (within program max of $3M).

Outcome: The fastest close of the quarter. Clean CPA P&L = minimal underwriter conditions. Closed at 7.375% on a 30-year fixed. He'd been quoted by a private bank at 8.5% with much higher closing costs — we beat both rate and total fees.

S.P. — TikTok + Brand Deals

Sacramento · December 2025 · Bank Statement Loan

$495K

Funded · 25-day close

Borrower Profile

23 years old, fashion/lifestyle TikTok creator (1.1M followers), 2 years full-time. Sole proprietor. 695 FICO. First home.

Property

3-bed townhouse in midtown Sacramento. $620K purchase. 20% down ($125K) → $495K loan.

Income Source

Brand deals (mostly through Whalar agency)
TikTok Shop affiliate commissions
Live gift withdrawals + Creator Fund
LTK affiliate income

Documentation

24 months personal bank statements
2 years of 1099s from agencies
Reserves (3 months)

24-mo avg deposits: $13,800/mo · Personal account: 100% · Qualifying income: $13,800/mo ($166K/yr) · Approved up to $495K (with PITI ratio under 40%).

Outcome: She used the 24-month program to smooth out a lumpy income pattern (one $42K viral-deal month vs. several $4K months). 24-month average produced a stronger result than 12-month would have. Closed at 8.0% on a 30-year fixed.

R.B. — Established Creator on Sabbatical

Palm Springs (Second Home) · November 2025 · Asset-Based Loan

$720K

Funded · 24-day close

Borrower Profile

35 years old, 10 years as a YouTube + podcast creator. Took 14 months off for personal reasons — recent bank statements wouldn't qualify. Significant brokerage savings. 750 FICO.

Property

3-bed mid-century in Palm Springs (second home). $900K purchase. 20% down ($180K) → $720K loan.

Income Source

None currently. Qualified entirely on assets.

Documentation

Brokerage account statements (2 months)
Rollover IRA statements
Crypto exchange statements (Coinbase, BTC/ETH)
ID + credit pull

Qualifying assets: $1.85M brokerage × 85% + $480K IRA × 70% + $135K crypto × 60% = $2.0M total qualifying assets / 84-month depletion = $23,800/mo qualifying income. Approved up to $720K with 25% down on the second home.

Outcome: No income docs at all. Pure asset-based qualifying. Closed at 8.25% on a 30-year fixed. He bought the desert house without disclosing his break from posting — and plans to keep it as his off-grid retreat for the next few years.

C.H. — Multi-Platform Influencer

Beverly Hills · October 2025 · Bank Statement (Business)

$2.0M

Funded · 31-day close

Borrower Profile

32 years old, lifestyle influencer with 850K IG + 1.4M TikTok + 220K YouTube. Agency-routed brand deals (CAA representation). LLC + S-Corp + business manager. 780 FICO.

Property

3-bed Beverly Hills Flats home (north of Wilshire). $2.5M purchase. 20% down ($500K) → $2.0M jumbo loan.

Income Source

Direct brand deals (Sephora, Skims, etc.)
Agency-routed campaigns (CAA Brand Partnerships)
Capsule fashion collection (quarterly drops)
YouTube AdSense + Instagram Reels Bonus
LTK affiliate revenue

Documentation

24 months business bank statements
Business manager letter
S-Corp + LLC structure docs
Reserves verification (12 months — strengthens jumbo)

24-mo business avg deposits: $67,000/mo × 60% expense ratio = $40,200/mo qualifying income ($482K/yr) · Approved up to $2.4M (took $2.0M to keep ratio conservative).

Outcome: Business manager handled all doc collection through our portal. 24-mo bank statement program absorbed the quarterly capsule launch lumps. Closed at 7.5% on a 30-year fixed. Refi plan: assess year-3 tax return for conventional eligibility.

B.S. — Adult Content Creator (Multi-Platform)

North Park, San Diego · September 2025 · Bank Statement Loan

$595K

Funded · 27-day close

Borrower Profile

29 years old, 6 years across cam + clip + premium subscription platforms (Chaturbate, ManyVids, OnlyFans). LLC for privacy. 710 FICO. Privacy was the #1 priority.

Property

2-bed bungalow in North Park, San Diego. $725K purchase. 18% down ($130K) → $595K loan. Vested in LLC.

Income Source

Chaturbate payouts (Paxum processor, weekly)
OnlyFans (Fenix International, weekly)
ManyVids + Clips4Sale (bi-weekly)
Custom content (direct CashApp + Stripe)

Documentation

12 months business bank statements
LLC formation + operating agreement
Source-of-funds memo for cash deposits
Reserves (4 months)

12-mo business deposits avg: $26,400/mo across all platforms × 60% expense ratio = $15,840/mo qualifying income ($190K/yr) · Approved up to $595K with title vesting in the LLC for additional public-records privacy.

Outcome: Loan file documented her income as "1099 self-employment platform income" — no platform brands appeared anywhere. Title vested in LLC for property-records privacy. Closed at 8.125% on a 30-year fixed. She specifically chose us after two LA mortgage brokers refused to take her file at all.

Important notes about these case studies

Borrower initials and identifying details have been changed at each client's request. Loan amounts, property prices, qualifying-income calculations, and program details are accurate to the actual closed transaction. Rates shown were market rates at the time of close — current rates differ and depend on your specific file.

These cases are illustrative. Your file will be evaluated on its own merits — credit, income documentation, property, reserves, and current market pricing. Past closings do not guarantee future results.

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