Tim Popp 
You’ve spent years building your business, putting in the hours and dealing with everything that comes with being your own boss. But when you try to get a mortgage at a traditional bank, your success can actually work against you because of how you handle your taxes. Traditional lenders focus on the bottom line of … Read more
When you’re self-employed, your bank account tells a story that your tax returns often hide. You might see six figures in annual deposits, yet your tax professional works hard to keep your taxable income as low as legally possible through deductions and depreciation. That’s great for your tax bill, but it creates problems when you … Read more
As a business owner, your tax returns show smart deductions and minimized liabilities, not your actual earning power. That’s great in April. It’s a problem when you need a mortgage. Bank statement loans fix this by letting you use your real cash flow to qualify. I’m Tim Popp, Branch Manager at West Capital Lending (NMLS … Read more
Being your own boss is the cornerstone of the American dream, but it often becomes a hurdle when you try to buy a home. If you have ever been told by a traditional bank that your “taxable income” is too low to qualify for a mortgage, you know exactly how frustrating the process can be. … Read more
Life happens, and sometimes that includes a bankruptcy filing that feels like a permanent roadblock to your investment goals. If you have been through a financial restructuring, you might think your days of building a real estate empire are over, or at least paused for a decade. I am here to tell you that is … Read more
The Reality of the California Self-Employed Market California has the largest economy in the United States, and a big chunk of that runs on people like you: the self-employed, the freelancers, and the business owners. Whether you’re a tech consultant in Silicon Valley, a creative director in Los Angeles, or a vineyard owner in Napa, … Read more
If you’ve spent decades building equity in your home, you’re probably sitting on your most valuable retirement asset. For homeowners along Atlantic Avenue and similar high-value neighborhoods, the home has gone from just a place to live to a real financial tool. You’ve worked hard to maintain your lifestyle, and your home can now provide … Read more
By Tim Popp, Branch Manager at West Capital Lending. NMLS #2a20007. Licensed in 36 states + DC. You have probably spent hours staring at spreadsheets, trying to make the numbers work on a property that is just on the edge of being a “great” deal. In today’s market, where every dollar of cash flow feels … Read more
You found the property. The architecture works, the square footage fits, the zip code is right. But when the price exceeds federal conforming limits, a conventional mortgage won’t cover it. That’s when you need a jumbo loan. I’m Tim Popp, Branch Manager at West Capital Lending (NMLS #2a20007). Licensed in 36 states and DC, I … Read more
If you’ve owned a home in Colorado for more than a few years, you’re probably sitting on a lot more equity than you realize. From Denver to Summit County, the Centennial State has seen massive appreciation that’s changed the financial picture for homeowners across the board. The question isn’t just what your home is worth … Read more
Tim Popp