Free 24-Hour Scenario Review

Got Denied? Stuck on a Deal?
Send Me the Scenario.

Banks have boxes. Alberto has 100+ wholesale lenders. Send him whatever your bank turned down, capped your pre-approval on, or wouldn't even look at, and he'll tell you in 24 hours, any day of the week whether there's a real path forward, what it'll take, or whether you should stop chasing it. No credit pull. No obligation. No sales pitch.

Submit My Scenario Or call (808) 551-8045
No credit pull No obligation No cost NMLS #1956260
Why Submit

Three reasons borrowers send their scenarios to Alberto

Most lenders look at one underwriting box. Alberto looks at the whole market and tells you what's actually possible with your scenario.

Different overlays, different answer

A retail bank applies one set of overlays on top of FHA, VA, or conventional guidelines. The same scenario can pre-approve for tens of thousands more with a wholesale lender that fits your profile better.

TREC instructor knows the rules

Alberto teaches Texas real estate professionals for a living. He spends his days inside guideline language most LOs only skim, so he spots exceptions and program fits other people miss.

If it's a no, you'll know fast

Alberto would rather tell you straight that something isn't fundable than have you spin your wheels. If it's not a fit through his lenders, he'll usually know who specializes in it and point you that direction. Either way, you stop guessing.

How It Works

Three steps. Twenty-four hours. One straight answer.

1

Submit your scenario

Fill out the form below. Two minutes for the basics, a few more if you want to share full context. The more Alberto knows, the better the answer.

2

Alberto reviews within 24 hours

Personally, not a junior LO. He'll run your scenario against the wholesale market and figure out if there's a path forward and what it would take.

3

You get a clear answer

Yes, no, or "here's what we'd need to make it work." If it's a yes, you decide whether to move forward. No pressure, no auto-enrollment.

A note from Alberto

I built this page because most denied borrowers never find out why. The bank says no, the LO stops returning calls, and you're left thinking it's something wrong with you.

Usually, it isn't. It's the lender's overlay box — internal rules layered on top of FHA, VA, or conventional guidelines that have nothing to do with whether you actually qualify for the loan. A different lender, same program, can be a yes.

Send me what you've got. If there's a deal here, I'll find it. If there isn't, I'll tell you that too, fast, so you can stop spinning.

— Alberto
Alberto Moravia NMLS #1956260 · TREC Certified Instructor · San Antonio, TX
Scenario Submission

Tell Alberto what's going on

The basics first. Add more detail below if you want a deeper review — totally optional, but the more context the better. If your scenario got messy or the bank gave you the runaround, just type what happened. Alberto's seen worse.

Don't feel like typing? Text the scenario to (808) 551-8045
1 Contact
2 The scenario
3 The deal
4 Your financial picture
5 What happened
Your scenario goes to Alberto only. No lead aggregators, no third parties, no spam.

● You'll get an email confirmation and a personal review from Alberto within 24 hours

Scenario received

Alberto will personally review your scenario and respond by Saturday at 11:31 AM.

A confirmation email is on the way to your inbox. If your timeline is urgent, the fastest way to reach Alberto is by phone.

Call (808) 551-8045 Book a 10-min call
Scenarios Alberto Has Solved

Real situations, real solutions

Names and identifying details omitted. These describe the kinds of scenarios Alberto handles on a regular basis — the ones other lenders bounce because the file doesn't fit their box.

FHA

New FHA loan with a departing FHA still on title

The problem

Borrower relocating for work, current home financed with an FHA loan. Two lenders said no — "you can only have one FHA at a time." Borrower needed the second FHA to keep down payment manageable on the new primary.

The fix

Documented the 100-mile relocation exception under HUD 4000.1. Structured the file so the departing residence converted to a long-term rental with the right LTV and reserve documentation. Found a wholesale lender that doesn't add overlays beyond FHA's published guidelines.

Outcome: Second FHA loan approved. Closed within typical timeline. Departing home held as rental.

VA

VA approval after an automated underwriting denial

The problem

Veteran with strong residual income but a higher DTI ratio. AUS (DU/LP) refer-with-caution kicked the file out. Their original lender said "computer says no" and stopped there. Borrower thought VA was off the table.

The fix

Moved the file to a wholesale lender willing to manually underwrite VA. Built a manual underwriting case using residual income, length of employment, and on-time housing history as compensating factors per VA Lenders Handbook Chapter 4.

Outcome: VA loan approved through manual underwriting. Closed on the original target date.

VA · Builder

VA approved when the builder's preferred lender capped DTI

The problem

Buyer building a new home with a national production builder. The builder's captive lender ran a DTI overlay tighter than what VA itself allows and reduced the pre-approval — well below what the buyer needed for the home they were already under contract on.

The fix

Restructured the file with a wholesale VA lender that doesn't apply DTI overlays beyond VA guidelines. Documented residual income and used compensating factors to support the higher ratio. Coordinated with the builder to preserve the contract and as much of the incentive package as possible.

Outcome: VA loan closed at the price the buyer needed. Buyer kept the home and the builder relationship.

1031 Exchange

1031 exchange rescue — financing fell through near the deadline

The problem

Investor mid-1031 exchange. Original financing collapsed past day 40 of the 180-day window. If the replacement property didn't close on time, the entire exchange would unwind and trigger a substantial capital gains liability.

The fix

Identified a wholesale investor-product lender willing to underwrite on a compressed timeline. Used DSCR qualification on the property's projected rents instead of the borrower's full tax-return package, which sped the file through underwriting.

Outcome: Replacement property closed inside the 180-day window. 1031 exchange preserved.

DSCR

DSCR refi out of hard money — no seasoning required

The problem

Investor purchased and rehabbed a rental using hard money. Hard money rate was about to balloon. Most DSCR lenders require six to twelve months of "seasoning" before refinancing into a long-term product at the new ARV — too long to wait.

The fix

Sourced a wholesale DSCR lender that allows refinances at the new ARV with no seasoning when the file documents the rehab scope, source of funds, and rental performance. Packaged contractor invoices, bank records, and a current lease to support the appraisal and underwriting.

Outcome: Refinanced out of hard money at the new value, locked into a long-term DSCR rate before the balloon.

Multi-program

Higher pre-approval than the borrower's own bank

The problem

Borrower pre-approved by their long-time bank for one number, but the home they wanted required more. Same income, same credit, same federal loan program — bank's underwriting box just didn't stretch.

The fix

Same loan program, different lender. Shopped the scenario to a wholesale lender with looser overlays on the qualifying ratios. The federal guidelines themselves allowed the higher amount; the original bank's internal overlays didn't.

Outcome: Pre-approval came in well above the original bank's number. Borrower bought the home they actually wanted.

Scenarios above describe past situations Alberto has navigated for clients. Names, locations, and identifying details have been omitted or generalized. Actual loan approvals depend on borrower qualifications, property eligibility, market conditions, and lender requirements at time of application. Past closings do not guarantee future outcomes. All loans subject to credit approval and underwriting review. Equal Housing Lender. NMLS #1956260.

Frequently Asked

Common questions before you submit

Will this affect my credit score? ▼
No. The scenario review is just a conversation. Alberto will not pull your credit as part of the review. If, after the review, you decide to move forward with a formal pre-approval or application, that's when a credit pull would happen — and only with your direct authorization.
Do I have to work with Alberto after the review? ▼
No. The scenario review is genuinely free and there's no obligation. You can take Alberto's analysis to another lender if you want. The review tells you what's possible — what you do with that information is up to you.
What if my scenario is a long shot? ▼
Send it anyway. Alberto would rather tell you straight that something isn't fundable than have you spin your wheels for weeks. If the scenario isn't a fit for his lenders, he'll often know who specializes in it and refer you out.
What if I'm not in Texas? ▼
Alberto is licensed to originate mortgage loans in Texas. If your property is outside Texas, he can still review your scenario and, where useful, refer you to a broker licensed in your state. He won't waste your time pretending otherwise.
Does the 24-hour SLA include weekends? ▼
Yes. Submit on a Saturday afternoon and you'll hear back by Sunday afternoon. The clock starts when your submission lands.
What does "review" actually mean? ▼
A personal reply from Alberto — usually email, phone, or text depending on what you prefer — covering: whether the scenario looks fundable, which loan programs fit, ballpark on the qualifying ratios, what documentation he'd need to confirm, and any flags or path-forward steps. Not a Loan Estimate or formal pre-approval — those come later if you decide to move forward.
What does it cost? ▼
Nothing. The scenario review is free. If you eventually choose to fund a loan with Alberto, his compensation comes from the lender as part of standard wholesale broker fees, fully disclosed on the Loan Estimate per RESPA requirements.
Is my information private? ▼
Yes. Your scenario goes directly to Alberto's inbox. Specifically:
  • Not sold or shared with third-party lead aggregators, marketing lists, or other lenders
  • Not used for advertising retargeting outside of standard site analytics
  • Not pulled into a credit check unless you later authorize one in writing
  • Stored only as long as needed to review your scenario and follow up
If you decide not to move forward, just tell Alberto and your info comes off the active list. That's it.

Don't feel like typing it out?

Call Alberto direct. Ten minutes is usually enough to know if there's a deal worth chasing — or if the file's a dead end and you should stop spending time on it.

Call (808) 551-8045 Book a 10-Min Call

Or text (808) 551-8045  ·  email alberto@betothebroker.com