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.
Tour homes, compare your options, or evaluate a potential flip. Choose a fillable PDF or Excel workbook, then save a private copy for your conversation with Paul.
26Practical resourcesPDF + ExcelDownloadable toolsFreeNo signup required
For PDFs, download and open in a PDF reader that supports forms, or print a blank copy. For Excel files, open in Excel and edit the amber input cells. The flip analyzer contains an illustrative example: replace its figures with your property details and written quotes. The original collection is separate from the five new resources below. Keep completed files private.
Secure document upload
Ready to share your completed worksheet?
Request your secure ARIVE invitation from Paul's team. Choose an email option below, add your full name and email address, then send your request. Paul or his team will create and send your invitation. Upload private documents only through that secure link.
Request secure upload link
Email Paul for your ARIVE invitation
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Call Paul
Paul's direct number
856-503-9396
Dial this number from your phone, or open your device's calling app.
On a computer without a calling app, use your phone to dial the number above.
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.