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NMLS#: 2526130 (Company) · 513013 (Adam Styer)
Adam Styer | Mortgage Solutions LP (NMLS #513013) is Austin's independent mortgage broker for complicated income — self-employed, 1099, jumbo, DSCR, the files banks decline. 40+ wholesale lenders, 24-hour pre-approvals, 1,000+ loans closed since 2017.
Deals Banks Said No To
Composite scenarios reflecting the kind of files I close every month. Names and exact numbers changed to protect client privacy.
$1.2M Westlake purchase — 3 banks declined
The file: S-corp owner, write-offs killed his tax-return income. Banks saw "low W-2 wages" and bounced him.
What I did: Switched him to a 24-month bank statement program. Counted real business deposits instead of taxable income.
Outcome: Closed in 21 days at a rate within 0.25% of conventional pricing. Seller never knew it was a Non-QM file.
4-property Austin STR portfolio — no personal income docs
The file: Investor wanted to scale to 4 short-term rentals. Conventional cap of 10 financed properties + tax-return income wasn't going to support it.
What I did: Used DSCR loans qualifying off projected rents — no W-2s, no tax returns. Held title in LLC vesting for asset protection.
Outcome: Three properties closed in 60 days. Fourth funded the month after. All STR-eligible.
$485K Pflugerville — switched mid-contract with 10 days to close
The file: Buyer's original lender pulled the appraisal late, hit underwriting snags, and threatened to push the closing date. Earnest money at risk.
What I did: Took the file, kept the appraisal transfer, ran a parallel desktop underwrite. Beat the original lender's rate by 0.375%.
Outcome: Closed on the contract date. Buyer saved roughly $90/mo on payment and kept their earnest money intact.
Loans Built for Every Situation
Whether you're buying your first home, refinancing, or making a complex real estate investment, we have loan programs designed for your specific needs.
Explore All ProgramsConventional Loans
Best rates for qualified borrowers. As low as 3% down with no PMI options available.
Learn More →FHA Loans
3.5% down payment options.
Learn More →VA Loans
Zero down for our heroes.
Learn More →Jumbo Loans
The 2026 Conforming Limit is $832,750; anything above requires a Jumbo solution.
Learn More →Non-QM Solutions
Specialized financing for self-employed and complex income profiles.
Learn More →DSCR Investor Loans
Qualify Texas rental properties primarily on property cash flow instead of personal income. LLC vesting, long-term rentals, and short-term rental scenarios may be available by program.
Learn More →Client Reviews — Real Austin Clients
"Adam and his team were very responsive, always available, and quick to answer my questions. They work quickly and get you as far as they can through the approval process."
Buda, TX • Purchase
"Adam was very knowledgeable and offered us a very competitive rate. He took the time to explain different rates, put it together in a nice overview and even recorded a short video explaining things."
Austin, TX • Purchase
"Adam's team helped us through the refinance process from beginning to end. They were very easy to work with and answered any and all questions in a timely and friendly manner."
Austin, TX • Refinance
"We couldn't have asked for a better experience. Adam made the entire process seamless and stress-free. His communication was outstanding and he always had our best interest at heart."
Austin, TX • Purchase
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Loan TypesFixed-Rate vs. Adjustable-Rate Mortgages: Which Is Right for You?
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Credit TipsHow to Improve Your Credit Score Before Applying for a Mortgage
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Buying in Austin? Read the complete guide: How to Buy a House in Austin TX →
Meet Adam Styer
Originally from Ohio (Go Bucks), Adam has called Austin home for over 16 years — and loved it so much his whole family followed him here. He's spent the last decade helping Austin families achieve the dream of homeownership through honest conversation, expert guidance, and a commitment to transparency.
As an independent mortgage broker, Adam shops multiple lenders to find you the best rate and terms. He's a proud husband to Britney Jo, dad to three amazing kids, and over 10 years sober. Faith, family, fitness, and finance drive everything he does.
Adam builds relationships — not just transactions. When he's not closing loans, you'll find him with his family, active in Austin's sober community, or staying sharp on market trends to give his clients an edge.
Learn More About AdamFor Realtor Partners
Close deals faster with a lender who gets it. 24-hour pre-approvals, proactive communication, and a proven track record with Austin agents.
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Austin Area Mortgage Lender
Adam Styer serves the entire Greater Austin metro. Click your city for local market insights and loan options specific to your area.
In Williamson County, Round Rock's Teravista and Forest Creek neighborhoods represent two very different loan conversations — new construction builder financing vs. established resale. An independent broker makes sure you know which strategy serves you before you sign a contract.
Round Rock
Round Rock ISD. Tech corridor. $350K–$550K.
Explore Round Rock →Leander
Crystal Falls. Bryson. Top-rated LISD schools.
Explore Leander →Cedar Park
Brushy Creek. Crossing at Carriage Hills. $350K–$550K.
Explore Cedar Park →Pflugerville
Blackhawk. Pfluger Crossing. Affordable starter homes.
Explore Pflugerville →Georgetown
Sun City. Wolf Ranch. Historic downtown. $350K–$650K.
Explore Georgetown →Kyle
Hays CISD. New builds and fast-growing neighborhoods from $280K.
Explore Kyle →San Marcos
Texas State University town. Entry and move-up options from $250K–$360K.
Explore San Marcos →Westlake
Eanes ISD. Jumbo loans. Luxury from $800K–$2M+.
Explore Westlake →Buda
Tesla corridor. Sunfield. Garlic Creek. $300K–$440K.
Explore Buda →Frequently Asked Questions
Yes. Self-employed Austin borrowers can qualify using bank statement loans (12 or 24 months of deposits), 1099-only programs, P&L loans, or asset depletion — tax returns may not need to be the primary income document. These non-QM programs underwrite actual cash flow, not the income your write-offs reduced. Adam matches each borrower to the right wholesale lender across 40+ programs.
A DSCR loan qualifies real estate investors on a property's rental income — not personal income. DSCR = gross rent ÷ PITIA. Most lenders prefer 1.0+, but no-ratio programs exist. Works for long-term, short-term (Airbnb/Vrbo), and small multifamily across Texas. Down payments start at 20–25%, no cap on properties owned, LLC vesting allowed.
Asset depletion uses liquid assets to create qualifying monthly income — for retirees, founders post-exit, and HNW borrowers without W‑2 income. Lenders divide eligible assets (after-tax investments and retirement accounts) by 60, 84, 120, 240, or 360 months. Freddie §5307.1 uses 240, Fannie uses 360. The right lender match changes qualifying income dramatically.
Complex-income borrowers — self-employed owners, K‑1 partners, S‑corp owners, investors, foreign nationals, and HNW individuals — can use bank statement, 1099-only, P&L only, asset depletion, DSCR, jumbo (above $832,750 in Travis County for 2026), and one-time-close construction. Adam compares 40+ wholesale lenders to maximize qualifying income per scenario.
Most pre-approvals are issued within one business day of a complete application. Bank statement, DSCR, and other non-QM loan timelines depend on program, property, appraisal, title, and documentation. Fast underwriting matters in Austin's purchase market — competitive offers often need rapid funding to win against cash buyers. Start your pre-approval here or call (512) 956-6010.
Ready to Talk Through Options?
Start with a low-pressure scenario review. No judgment, no guesswork, and no full application required to talk through real options.