Rental-property investors
DSCR financing, rent documentation, property cash flow and a thoughtful review of ownership and exit plans.
About Paul Singh
Your goals deserve
a clear mortgage plan.
Personal guidance for homebuyers, homeowners and investors. Specialized experience with DSCR and non-QM financing.
Since 2002Mortgage industry experience
One clear planBuilt around your situation
Paul Singh · Senior Mortgage Advisor · NMLS #406332
Meet your advisor
A personal approach
to a major decision.
A mortgage plan built around you.
I am Paul Singh, Senior Mortgage Advisor at Petra Cephas Inc. I have worked in the mortgage industry since 2002, helping homebuyers, homeowners and real estate investors make sense of their financing options. My approach starts with your goals, your income and the property you want to finance.
Specialized experience. Full-service guidance.
My specialty is DSCR rental-property financing and non-QM solutions for self-employed borrowers and other clients whose finances need a different documentation approach. I also help clients explore Conventional, FHA, VA, USDA and Jumbo financing, purchase and refinance options, and financing for primary homes, second homes and eligible investment properties.
Clear numbers and a practical next step.
A useful mortgage conversation goes beyond an interest rate. We discuss the payment, closing costs, cash needed, documentation, timing and tradeoffs. My goal is to give you clear explanations and responsive communication so you understand what is happening and what comes next. Approval and closing timing depend on the lender and the details of your transaction.
Where I can help
Expertise for the way you live and invest.
Self-employed borrowers
Bank statement, 1099, P&L and other available non-QM approaches, alongside traditional documentation.
Homebuyers & homeowners
Conventional, FHA, VA, USDA and Jumbo options; purchase, refinance, condo and home-equity discussions.
The details matter
Useful guidance,
before the pressure.
Guidance for investors and business owners.
For rental-property investors, we review the property, rent documentation, ownership structure and financing strategy. For self-employed clients, we explore whether traditional income documentation or an available bank statement, 1099, P&L or asset-based approach better fits the situation. Alternative documentation still requires a complete lender review.
A resource for Realtor partners.
I work with Realtors and other professional partners to identify financing questions early, coordinate next steps and help clients prepare. This resource center includes condo review questions, investor planning tools, buyer checklists and short educational courses. Resources are available without a referral requirement.
Start with a conversation.
Whether you are buying your first home, reviewing an existing mortgage or considering your next rental property, bring your questions. We will identify the information needed to explore your options and build a practical plan.
Where we work
Your property.
Your location.
Primary residences & second homes
New Jersey, New York, Pennsylvania, Connecticut, Texas and Florida, where licensed and authorized.
DSCR rental-property financing
Across the U.S., subject to state and lender availability. Tell Paul the property state and scenario to confirm options.
Free worksheet collection
A little preparation.
A more useful conversation.
Choose the worksheet that fits your next step. Download, fill it in and save a private copy for your conversation with Paul.
21Practical resourcesFillablePDF downloadsFreeNo signup required
Save the PDF to your device, open it in a PDF reader that supports forms, complete the fields, then save again. You can also print a blank copy. Keep financial and identity details out of public forms and regular email.
Secure document upload
Ready to share your completed worksheet?
Use the approved borrower portal provided by Paul's team. Request your secure upload invitation before sending completed worksheets, bank statements or identity documents. Please do not attach private documents to ordinary email.
Blank resources are public. Completed forms should be kept private. This page does not collect or store your documents.
Paul's mortgage learning center
Learn the parts that matter
for your next move.
Short, practical lessons for buyers, homeowners, investors and Realtor partners. Read at your own pace, work through an example and leave with better questions.
18Targeted mini-courses54Short written lessonsSelf-pacedLearn on your schedule
Free educational reading with practical exercises. These courses do not replace required homebuyer education, HUD-approved counseling or program-specific lender review.
You can mark a course complete. Only course-completion preferences are saved on this device; no financial details or worksheets are stored by this page.