Non-QM · Government · Complex Mortgage Financing
The mortgages no one
else will touch.
Self-employed, real estate investor, first-time buyer, foreign national, content creator — if a traditional bank said no, there is almost always a way to structure a yes. From zero-down government loans to the toughest non-QM files, I do it all.
4 States
Licensed in CO · CA · GA · TX
Decade+
In banking & mortgage lending
Every Loan
Non-QM, Conventional, FHA, VA & USDA
Why work with David Silva
A lender who structures deals, not just quotes rates.
Most loan officers only know how to run a W-2 borrower through an automated system. My career started in banking and expanded across roofing, software, and real estate investment — so I understand entrepreneurs, self-employed income, and portfolios from the inside. When the file is complicated, that is exactly when I do my best work.
Complex income
Income that makes sense
Bank statements, 1099s, P&L only, asset depletion — we qualify you on the income you actually earn, not just what fits a rigid box.
Investor focused
Built for portfolios
DSCR, no-income-verification investor loans, fix & flip and bridge financing to help you scale your real estate holdings.
Every scenario
The full lending shelf
Conventional, FHA, VA, USDA, jumbo and every non-QM product — if there is a path, I have access to it.
Loan Programs
The right loan for every situation
Government-backed, conventional, or complex non-QM — all under one roof.
Bank Statement Loans
Qualify on 12–24 months of deposits instead of tax returns. Ideal for the self-employed.
DSCR / Investor Loans
Qualify the property on its rental cash flow — no personal income docs required.
VA Loans — No Lender Fees
0% down, no PMI, and I waive my lender fees for those who served.
Conventional Loans
As little as 3% down with mortgage insurance that cancels over time.
More ways I help
Extra help for the buyers who deserve it
Because getting the keys shouldn’t depend on a perfect W-2 or a 20% down payment.
First-Time Buyers
Down payment covered
With grants and down payment assistance, I can often cover your entire minimum down payment.
First Responders & Teachers
Homes to Heroes
A 1% lender credit toward closing costs — my thank-you to those who serve at home.
Creators & Influencers
Approved on creator income
OnlyFans, social and 1099 income turned into a mortgage approval — discreetly.
Client Results · Verified on Google
Rated 5.0 by the clients I have helped
★★★★★
“The communication and willingness to walk me through the entire process made them great to work with.” — Wyatt C.
★★★★★
“So many options, quick to respond, and made moving into my home a smooth experience.” — Domonic D.
★★★★★
“I don’t usually write reviews unless they’re truly earned. From start to finish, the service was top-notch.” — Ken H.
Have a scenario a bank already declined?
That is my specialty. Let’s structure it. Call (303) 557-3846 or start your application today.