We Are A Mortgage Provider For Commercial Real Estate Utilizing Short Term Bridge Loans And Long Term Permanent Financing.

We specialize in offering no tax return, recourse and non recourse financing options for a wide range of commercial real estate types.  

Our products include DSCR (Debt Service Coverage Ratio) Financing, Bridge Loans (12-36 months), Asset/Valuation Only loans, And Hard/Private Money Loans secured to  commercial real estate property types. These financing options are avaiable with and with out pre-payment penalties. We do not offer "personal unsecured" loans. 
Fast 7-10 Day Funding Available on many of our options. We provide solutions for loan amounts of $500,000 - $100 Million.   Please complete our contact form for more information or to request a FAST rate quote estimate or letter of intent for your purchase or refinance scenario.

Bridge Loans & Hard Money Financing.
Our bridge loans are designed for short term, fast close investor purchase or cash out refinance. Loan terms of 12-36 months offered with pre payment penalty periods as short as zero to 3 months! No borrower income verified and no tax returns required.  

Asset Based & Asset Qualifier Lending
These financing products allow the borrower to qualify based on the value & equity of the collateral OR based on the borrowers liquid assets. No borrower income verified and no tax returns required.  

DSCR - Debt Service Coverage Ratio, Fix N Flip, & Construction

DSCR mortgage types allows the investor to qualify based on the property cash flow. No borrower income verified or documented and no tax returns required.  Offered for both short and long term financing solutions for purchase, refinance and cash out refinance transactions.  We have a wide range of unique options for new construction and experienced Fix N Flip investors. Each of these scenarios are unique. Please call us or complete our form with "details" and lets connect to fully understand your need. 


  • Loan Amounts Available from $500,000 to $100,000,000. 
  • Fast Fundings For Most Products
  • Construction & Fix N Flip
  • Fast Term Sheets, Rate Quotes & Pre Approvals
  • Purchase, Refinance & Cash Out Refinance
  • Residential Options for SFR -  Condo - Multi Family - Condo Tel
  • Commercial Options for Retail, Office, Warehouse, Restaurant, Mixed Use, Automotive, hospitality, restaurants/Bars, Light Industrial & Much More!  
  • Interest Only Available
  • No Tax Returns Required
  • Most Products  Available In All States 
  • Not All Products Available In All States
  • Call, email or complete our contact form to learn how we can provide the right solution!


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Why Choose Our Team

Your Outside The Box Team 

Alternative Income Mortgage Solutions
Karl Wenzel, Heather Denaro & John Peisner


We are a unique and specialized mortgage team employed by Barrett Financial Group. Our company is a USA domestic Mortgage Broker Company with more than 20 years of continuous operation.  Our mission statement is to guide our customers through the entire mortgage loan process.  We beleive that each customer should receive personalized attention to ensure their needs are met with full understanding of the loan process. Our team is empowered to acheive this by embracing our company slogan to "make it happen".  We are available for you 7 days a week to discuss your scenario!


Your "Outside The Box" Team members have  over 40 combined years of mortgage experience and have chosen to provide solutions to your unique  mortgage obstacles. We secure paths for approval for all borrower types including w-2,  self -employed, 1099 contractors, retired, and residential and commercial investors by offering one of the nations largest product menus for Low Doc & Alternative Income mortgage solutions. In most cases we do not require tax returns for these product types.  We want to hear about your mortgage goals for purchase and refinance for either residential or commercial properties. Please utilize our contact form and share your scenario details today.  

Diverse And Unique Product Menu.

Your team can provide a variety of loan products that you wont find available with most lenders. We do offer traditional full doc loans, including conforming, FHA and VA,  but we do specialize in providing hard to find products such as self employed "bank statement loans", "no tax return" loans, "stated or no income and no employment" loans, and "asset only" qualifying loans. We can offer these products, and other specialty loan products, in most states for both home owners and investors of residential and commerical property types.  We have developed a truly "one of a kind" product menu through our diverse in house lending products and through our expansive wholesale partners channels. All with flexible terms and low rates. 

Personal Service.

Your team of licensed Mortgage Loan Originators will guide you through your options, prepare you a written rate quote summary, and escort you from application to funding. Our level of communication, product knowledge and mortgage experience will clearly set us apart from our competition. We are available by phone or email seven days a week.

Give us a Call Today 480-405-6333

Apply Now!

Get Started Now




Ready For A Fast Start?
Request Your "No Obligation" Rate Quote And Fast Pre Approval Now!

1. Call Now - 480-405-6333  (or)

2. Email Us - jpeisner@barrettfinancial.com (or)

3. Submit Our Contact & Rate Quote Form Today!

Don't settle for anything less than what you deserve when it comes to your home mortgage experience. We are committed to providing you with professional and knowledgeable service levels from start to finish. We will provide you with a written rate quote BEFORE we ask to pull credit and complete an application. 

We are ready to help!

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