When conventional guidelines are not the whole file

Most files do not fail because the borrower cannot pay. They fail because the first program assumed W-2 income, a warrantable condo, and a primary residence — and the actual facts were different.

Palazzo Mortgages starts with occupancy, documentation, and the property. Conventional, FHA, bank statements, and DSCR are tools. The work is choosing the one that can clear underwriting before you waive a financing contingency.