Simplified "No Tax Return" Mortgage Solutions For the Self-Employed And 1099 Borrower.

We offer both "No Tax Return" and "No Income Verification" mortgage products in most states for the self-employed, 1099 contractor, real estate/DSCR investor, retired individuals and asset only borrowers.  Qualify with gross bank statement deposits, 1 year 1099, or P & L only options for various business owned operations, independent contractor and "free lancers".

Available for purchase & cash out refinance for residential 1-4 units, condo, condo tel, multi family and commercial property types.  Options available for primary, vacation home and investment property. Please call for the latest product updates. Credit scores allowed at 600+. Not all options available in all states with all products.

Request Your Free Rate Quote Today!

$150,000 - $5,000,000+ Loan Amounts. Up to $100 million for commercial property types. 
We Provide A No Obligation/No cost Consultation And A Written Rate Quote BEFORE You Apply. 

What makes us the right choice to be your partner for these loan products?

1. We offer the most comprehensive Alternative Income options for the self employed, 1099 contractors, real estate investors, high net worth individuals, retired folks and "stated income" borrowers. We offer in house products as well as product offerings from over 80 wholesale partners.

2. With our products you can qualify off gross business revenue, asset accounts or utilize our true No Income/ No employment document products without needing a tax return or w-2's. Regardless of your scenario, we will have the right solution.

3. You will be consulting with the most knowledgeable and professional team of loan officers for this product type. In minutes you will recognize our product knowledge, experience and sincere desire to locate the very best solution for your mortgage need and with the best terms and low rates.

  • 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 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 - (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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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!