We are a nationwide leader providing No Tax Return Mortgages for self employed, 1099, W-2, investors, and retired borrowers.

We specialize in three types of low doc mortgage options with NO tax returns required:

1. True "No Income - No Employment - No Tax Return" Loan for self employed, w-2, investors and retired borrowers. Income and Employment are not listed or verified. Available for purchase and cash out refinance of Primary, Vacation and Investment property for SFR 1-4 units, Condo, Investment Condo Tel, Commercial & Multi Family Units. Loan amounts $150,000 to $3 million with FICO Scores as low as 640.  Income and Employment not shown on application and not verified.  Loan amounts and product type options will vary. Please call for latest updates. 

2.  Bank Statement Gross Revenue Qualifier for the self employed and 1099 borrower using business revenue deposits. This is our best option for self employed and 1099 borrowers.  No Tax returns! Available for purchase and cash out refinance of Primary, Vacation and Investment property for SFR, Condo, Condo Tel and Multi Family. Credit scores as low as 600 allowed.  Loan amounts $150,000 to $3+ million

3. Asset Only Qualifier for self employed, w-2 and retired borrowers. Asset Only and Asset Depletion loans only require asset documents. No Income, No Employment, No tax returns.  Available for purchase and cash out refinance of Primary, Vacation and Investment property. Loan amounts $250,000 to $2+ million

We offer these products in most states and they are available for purchase, refinance and cash out refinance transactions for primary, vacation home and investment property.  SFR, Condo, Condo Tel and Multi Family Unit.

  • Please review our menu tab headings for specific details on our mortgage products. If at any point you want some direction simply call or email us and we can jump in with support. Or, you can complete the form on this page, or the form on the other pages, and we will contact you asap. Remember, you will receive a call or email back from your mortgage team – Heather Denaro, Karl Wenzel or John Peisner. We are ready to help!

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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 your purchase or 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 applicaiton. 

We are ready to help!

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Our Process

Consultation & Rate Quote

Call or Apply Online. A licensed loan officer will answer questions, discuss product options, then provide a written rate quote for your review. 

Processing and Approval

Your loan officer and your assigned personal Op's team will guide you through the application and approval stages.

Docs and Funding

Your Loan Officer and Op's team will secure the final approval and set a date for closing. Go over closing docs and finalize closing!