Alternative Mortgage Solutions for Complex Transactions
Providing Alternative Mortgage Solutions Across Florida & California When Traditional Bank Guidelines Do Not Fit
Not every borrower fits inside a bank's box
Need Help?
Whether you are buying, refinancing, investing, or buying before selling, we review your full financial picture to identify the right lending path.
Tell us about your mortgage scenario
What Is Your Situation?
Bank declined your loan? Buying before selling? Self-employed? High DTI? Foreign national? Non-warrantable condo? We review the scenario first.
Meet The Team
David A. Krebs
David is a licensed Florida and California Mortgage Loan Originator who can navigate you through the process of finding the right loan for your needs. Pulling from his past experience as an underwriter, David knows what it takes to get you approved for a loan.
Having worked at banks and other financial institutions in the mortgage industry since 2004, David provides a holistic “behind-the-curtain” view of what lenders really look for when deciding whether to loan money.
“I’m not just a mortgage broker. I’m a problem solver. Whatever your scenario, I have a creative loan program to fit your exact needs.”
Karen Poy, Esq.
Karen has been a licensed Florida attorney since 2006. For 13 years, she worked at K&L Gates, where she was a Commercial Litigation partner. In 2019, she joined David to form DAK Mortgage and she oversees the details of all of their clients’ loan requests from start to finish.
Combining her litigation experience with her real estate expertise, Karen is a trusted advisor for all legal aspects of any property transaction, from simple to complex.
“I understand the importance of timely and accurate communication with clients, and I always put their interests first.”
Financing Paths for Scenarios that Banks Decline
Here to Help
When Standard Guidelines Do Not Fit
DAK Mortgage helps borrowers navigate income challenges, jumbo and super jumbo loan amounts, property-specific issues, and non-traditional financing needs.
Whether you need to purchase, refinance, or unlock equity, we help match your scenario to the right lending solution.
Success Stories
Real borrowers. Real lending challenges. These are deals we closed.
Loan Amount: $6,146,900.00
Loan Type: Super Jumbo
Our client wanted to purchase a new construction condominium in Longboat Key, FL at a St. Regis property for $8.2M. We obtained 75% LTV, which most banks can’t offer for super jumbo loans of this size.
Loan Amount: $5,800,000.00
Loan Type: Super Jumbo
Securing super jumbo financing with both a high loan amount and high loan-to-value can be challenging. For our client’s purchase of a new home in Malibu, CA, we structured an approval for nearly $6 million at 80% LTV despite wildfire exposure considerations.
Loan Amount: $4,960,000.00
Loan Type: Super Jumbo
Our client, a self-employed surgeon, was under contract to buy a $6.2M home in Laguna Beach, CA. His bank capped his loan amount at $3M. Our lender provided him with nearly $2M more at 80% LTV.
Loan Amount: $4,290,000.00
Loan Type: Super Jumbo
Our client, a CEO of a family-owned company, was under contract to purchase a $6.6M home in West Palm Beach, FL. His tax returns didn’t show sufficient income, so we used 12 months of his business bank statements instead.
Loan Amount: $3,737,500.00
Loan Type: Super Jumbo
Despite a low credit score, our client was approved on an exception basis for a super jumbo purchase in Miami, FL after a detailed review of strong bank statement cash flow and additional compensating strengths. The file was cleared to close in less than three weeks.
Loan Amount: $2,100,000.00
Loan Type: Foreign National
Our client, a foreign national from Venezuela, needed to refinance their investment property in the Jade Signature in Sunny Isles Beach, FL. Traditional lenders don’t lend to borrowers from countries perceived as risky. Our lender had the risk appetite to close the loan.
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Specialty Mortgage FAQ
DAK Mortgage helps self-employed borrowers, foreign nationals, investors, physicians, jumbo borrowers, and buyers of non-warrantable condos, often after a bank decline.
Non-QM loans may help when tax returns, write-offs, or income structure do not reflect a borrower’s ability to qualify under traditional guidelines.
Many lenders have narrow credit, income, or property rules. We review the full scenario, then match the file to a better-fit lending path.
Yes. We review DTI, reserves, property type, income structure, condo issues, and lender appetite to determine whether another loan path may fit.
In some cases, yes. We review your current mortgage, reserves, income, liabilities, and property plan to determine available options.
Yes. DAK Mortgage is licensed for eligible borrowers in Florida and California, including jumbo, Non-QM, foreign national, and investor scenarios. Consult our map to see where we can lend.
Possibly. We evaluate bank statements, assets, reserves, CPA support, and Non-QM options for self-employed borrowers.
Super-jumbo loans often require stronger reserves, lower LTVs, deeper property review, and more careful lender matching.
Super-jumbo loans typically involve loan amounts above $2.5 million and are used to finance high-value primary residences, second homes, and investment properties. They often require 12 to 24 months of reserves, lender-by-lender appetite review, and in some cases two independent appraisals. When banks cap loan amounts or decline based on property type, a specialty lender match may provide a path forward.
Qualification may involve tax returns, bank statements, P&Ls, asset depletion, CPA letters, or other Non-QM documentation options.
Yes, selected non-warrantable condo projects may be financeable, including projects with litigation, low reserves, or association issues.
Yes. Eligible foreign nationals, permanent residents, and visa holders may qualify through lender programs designed for international borrowers.
In some cases, yes. Bridge, DSCR, asset-based, or private lending options may be available depending on the property and exit strategy.
Physician mortgage programs may be available for eligible MD, DO, OMS, DPM, resident, and fellow borrowers, often with reduced down payment requirements and without private mortgage insurance. When standard physician programs do not fit due to income transitions, student debt, credit blemishes, or condo litigation, bridge, Non-QM, or jumbo alternatives may apply.
Possibly. No-ratio, asset-depletion, bank-statement, DSCR, or other Non-QM options may help when standard DTI calculations do not fit.
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DAK Mortgage is a licensed mortgage broker that can navigate you through the process of finding the right loan for your needs.