The Tricky File

yvettemisek
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New podcast for the Non QM mortgage industry. We talk about unconventional scenarios and how we can structure them to get them funded. 

  1. 5d ago

    What Happens in Vegas? Mortgage Pros, Deals & Gilligan's Island

    Host Yvette Misek recaps Fifth Street Capital’s NAMB trip to Las Vegas, highlighting networking wins, memorable team moments (including a Bellagio dinner and Gilligan’s Island costumes), and a $200 slot surprise. The episode covers mortgage topics discussed at the show—DSCR investor loans, foreign national financing, bank‑statement programs, and cannabis-related lending—plus follow-up strategies, prospecting tips, and a post-convention challenge to reconnect with five contacts.

  2. Oct 7

    Where the Loans Are Hiding: Mine Your Database for Deals

    Season 2 of The Tricky File shows loan officers how to stop waiting for "I need a mortgage" leads and start uncovering business inside their own databases. Focus on five groups — investors, self‑employed borrowers, cash buyers, homeowners with equity, and old declines — and start conversations that reveal hidden financing opportunities. Learn to become the resource referral partners call before offers are written, use targeted outreach (realtors, CPAs, property managers), and complete the episode homework: pull 25 contacts and listen to discover one unexpected loan opportunity.

  3. Sep 30

    Stop Waiting — Find Loans When Rates Rise

    Yvette Misek explains how loan officers can source purchase and refinance business when interest rates are high by targeting real estate investors, self-employed borrowers, property managers, CPAs, declined files, and their own database. She offers practical prospecting questions, product-education tips (DSCR, seconds, bank-statement options), and a five-file challenge to start uncovering fundable, nontraditional loans.

  4. Sep 18

    The Fed Hiked Rates — Now What for Mortgages?

    The Fed raised its benchmark rate by 25 basis points, but mortgage rates don’t move in lockstep. In this episode Yvette Misek breaks down what the decision means for borrowers, investors, and loan officers, and covers DSCR seconds, bank‑statement programs, non‑QM options, and strategies to help clients act — or wait — wisely. Learn practical talking points to use with hesitant buyers, ways investors can access cash without disturbing low‑rate first mortgages, and how to find and solve the tricky files hidden in your database.

  5. Sep 16

    Turn Bookings into Borrowing: Qualifying Airbnb Income with Non-QM

    Episode 18 of The Tricky File explains how non-QM lenders can use short-term rental and Airbnb income to qualify borrowers when traditional lenders won’t. Yvette Misek covers required documentation—platform statements, occupancy and ADR, expense records—and why market support and licensing matter. The episode includes a real case study of an Airbnb investor, practical tips on seasoning, DSCR hybrids, and packaging strategies to demonstrate sustainable cash flow. Listeners learn actionable steps to turn STR bookings into financing power.

  6. Sep 9

    Newly Self-Employed? How to Buy a Home Before Two Years

    Host Yvette Misek breaks down Episode 17 on non‑QM solutions for borrowers with less than two years of self‑employment. Learn the real challenges underwriters face, the documentation that works (bank statements, contracts, CPA letters), and how strong reserves and clear packaging can compensate for short business history. The episode includes a case study of a new consultant who closed in 34 days using 12 months of business deposits, signed client contracts, a CPA letter, prior W‑2 history, and significant liquidity. Yvette shares practical tips on reserves, lender selection, and creating a clean, persuasive file. Whether your client just left a W‑2 job or launched a new LLC, this episode shows how the right documentation and strategy can keep the door open and help new entrepreneurs become homeowners.

  7. Sep 2

    Fresh Starts Funded: Non‑QM Strategies for Career Changers

    Episode 16 of The Tricky File with Yvette Misek explains how non‑QM lenders evaluate recent employment gaps and career changes, and how brokers can document stability to get files approved. Includes compensating factors to highlight (reserves, offer letters, credit, down payment), a real case study of a successful career transition, and practical tips on verification and documentation. Actionable guidance to help clients move from a fresh start to a funded home and how to submit files for consideration.

  8. Aug 26

    Seasonal Income Secrets: Approving Cyclical Earners

    Episode 15 of The Tricky File explains how to qualify borrowers with seasonal or variable income — from tourism and agriculture to commission and construction — by averaging earnings, using bank-statement analysis, and securing CPA support. Host Yvette Misek shares documentation strategies, trend analysis, reserves, a real case study, and practical tips for presenting cyclical earnings to non‑QM lenders so you can get these files approved and closed.

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About

New podcast for the Non QM mortgage industry. We talk about unconventional scenarios and how we can structure them to get them funded. 

Information

  • Creator
    yvettemisek
  • Years Active
    2026
  • Episodes
    22
  • Rating
    Clean
  • Copyright
    © Copyright 2026 All rights reserved.
  • Show Website
    The Tricky File