Kiri Suykry is a licensed California real estate broker and a Non-QM mortgage advisor. Find your next 2-4 unit investment property and finance it with DSCR, Bank Statement, Foreign National, P&L, or Asset Depletion loans — with the offer and the loan strategy in one conversation.
Most clients pick one or the other. Kiri does both — which means your property search and your financing strategy stop being two disconnected conversations.
🏠 Real EstateBuy, sell, and invest in Southern California — with a broker who understands the financing side of the deal because he writes the loans too.
💼 MortgageNon-QM (non-qualified mortgage) loans for self-employed borrowers, investors, foreign nationals, and asset-rich clients who don't fit the conventional W-2 box.
Duplexes, triplexes, and fourplexes are the most overlooked wealth-builder in real estate. You qualify with residential financing — but you get the cash flow of a small apartment building.
Live in one unit, rent the others. Tenants cover most or all of your mortgage.
Up to 4 units still qualifies for residential loans — lower rates, lower down payment.
Multiple rent checks from one mortgage. Real monthly income from day one.
Depreciation, deductible expenses, and 1031 exchange potential when you trade up.*
Raise rents, renovate units, improve management — you control the property's value.
Start with one fourplex. Stack a second, then a third — a generational-wealth foundation.
*Consult your CPA or tax advisor. Real estate investing involves risk.
You're a real-estate investor, a business owner, a self-employed pro, a foreign buyer, or asset-rich and income-light. Conventional lenders look at your tax returns and decline. Non-QM looks at the actual asset, cash flow, or deposits — and can approve.
Debt Service Coverage Ratio loans qualify on the property's rental income — not yours. No W-2, no tax returns, no employment verification.
Qualify on 12 or 24 months of personal or business bank statements. The lender uses deposits to calculate income — your tax returns never come into the conversation.
Buy US property without a Social Security number, US credit, or US tax returns. Qualify using foreign income documentation and a larger down payment.
Submit a CPA-prepared P&L statement instead of full tax returns. Faster, simpler, and the lender uses business cash flow to qualify you.
Qualify using liquid assets (savings, investments, retirement accounts) instead of monthly income. The lender amortizes your assets into a qualifying "income" figure.
Most clients don't know which product fits — that's Kiri's job. A 15-minute call narrows it down, and a quick scenario check tells you what you can realistically qualify for before you spend a dollar on appraisals.
Not a commitment to lend. All loans subject to credit and property approval; programs, terms, and conditions subject to change without notice. Not all applicants will qualify.
A job loss, a few late payments, a collection — and a good score is in the 500s before the year is out. In this short, Kiri walks through exactly how it happened to one client, and why a 500-something score is where the conversation starts, not where it ends. If a bank has already told you "no," this is the minute to watch.
Credit-challenged, self-employed, or investor? The Non-QM options above and a 15-minute call are usually the next step.
Start a Conversation →The preview image is served by this site; pressing play loads YouTube's privacy-enhanced player.
Most buyers juggle an agent who doesn't understand loans and a loan officer who has never seen the property. Kiri sees the whole deal.
Dual-licensed real estate broker and Non-QM mortgage advisor based in Huntington Beach, California. Kiri serves clients across Southern California — from first-time house hackers buying a 2-4 unit to seasoned investors and self-employed pros who need creative financing — in English and Cambodian / Khmer.
The difference is the dual license. Most agents send you off to a separate loan officer. Most loan officers don't know the property. Kiri does both — so your offer, your loan strategy, and your closing all stay in one conversation.
Whether it's a property, a loan, or both — get a personal response from Kiri within 24 hours.