Former CFO on sabbatical with no W-2 income
A liquidity event and substantial retirement assets created capacity that an ordinary employment-income review did not capture.
Read the full case →Anonymized Texas mortgage files
Mortgage Case Studies for Advisors and CPAs
These cases show how the problem was framed, which documentation path was evaluated, and what a professional partner can recognize earlier. They are examples—not promises that another borrower will receive the same result.
Between jobs with military income, rentals, and assets
The review separated stable eligible income, retirement assets, rental properties, and the new primary-home tax treatment.
Read the full case →$1.2M Westlake purchase after three bank declines
An S-corporation owner’s write-offs reduced tax-return income. A 24-month bank-statement review used eligible business deposits and a documented expense analysis.
Understand the program →Four-property Austin short-term-rental portfolio
The investor wanted to scale beyond the point where personal tax-return income supported conventional execution. Property cash flow became the primary lens.
Understand DSCR →Departing residence contract terminated mid-purchase
The original sale proceeds and mortgage exclusion disappeared. A documented backup structure preserved another path to the new-home closing.
Review transition options →Have a file that does not fit a neat category?
Send the broad facts without client identity or documents. Adam will identify the first calculations and questions worth testing.
Send a client scenario →Reviewed by Adam Styer, NMLS #513013. Last updated August 30, 2026. Case facts are anonymized. Program eligibility, pricing, and outcomes vary; all loans require underwriting.