Compensation
Income that moves.
Contract, bonus, commission, 1099, business, asset and property-cash-flow qualification.
Athlete lending →Easy for homeowners.
Smart for investors.
Strategic lending for financial lives that do not fit in a checkbox.
RedZone structures real-estate financing for professional athletes, investors, private clients, business owners and Texas homeowners—with partner-level involvement from first look through closing.
Hands-onMortgage strategy
NationwideQualifying investor financing
Partner-ledDirect strategy and execution
Who we serve
Choose the real scenario01Primary practiceProfessional athletesComplex compensation, privacy, mobility and long-term wealth strategy.02Primary practiceReal-estate investorsNationwide DSCR, Non-QM, bridge, construction and portfolio capital.03Primary practicePrivate clientsJumbo, asset-based qualification, HELOCs and strategic liquidity.04Primary practiceHELOC & equityHigh-limit lines, fixed seconds and cash-out comparisons built around the first mortgage.
Finance the decision, not the product
The file is only simple when the life behind it is simple.
Contract income. Multiple businesses. Managed taxable income. A portfolio of properties. A first mortgage worth preserving. A construction budget with moving parts.
RedZone maps the whole situation, chooses the right lender lane and tells the truth about the tradeoffs before transaction pressure makes every decision more expensive.
Portfolio
Capital that repeats.
DSCR, rental, bridge, renovation, construction and portfolio strategies built around the next deal too.
Investor lending →Liquidity
Equity with a purpose.
Jumbo, asset-based lending, high-limit HELOCs and second liens designed around the balance sheet.
Private clients →Capital stack
Property plus sponsor.
Commercial, multifamily, mixed-use, SBA, construction, bridge and private-credit options.
Commercial capital →The RedZone standard
Fast is useful. Fast and wrong is just an efficient disaster.
We pressure-test the plan before the lender, appraisal, title company or closing calendar gets a vote.
- 01Map the whole transaction
Borrower, entities, income, assets, property, purpose, timing and jurisdiction.
- 02Compare the real tradeoffs
Cash, payment, leverage, liquidity, recourse, prepayment, risk and exit.
- 03Choose the lender lane
Residential, jumbo, Non-QM, investor, SBA, bank, bridge or private credit.
- 04Stay on the field
Direct communication and accountable execution through closing.
Clear boundaries build trust
Three financing lanes. No jurisdictional guessing games.
Texas residential
Consumer-purpose residential mortgages for owner-occupied Texas properties, including the complete conventional, FHA, VA, USDA, jumbo, equity and assistance library.
Explore Texas home loans →Nationwide investment
Business-purpose DSCR and Non-QM financing for qualifying investment properties. Programs, terms and eligibility vary by lender and jurisdiction.
Explore investor lending →Eligible commercial
Commercial capital for eligible properties nationwide, subject to licensing, lender and jurisdiction review. Nevada commercial property is blocked through this website.
Explore commercial financing →Build the authority engine
Answers, calculators and real decision tools.
Product depth01
Dedicated guides for every meaningful financing lane
Each guide explains audience, use cases, qualification structure, benefits, limitations, documentation and related options.
Browse the product library ↗Decision tools02
Calculate before the sales pitch starts
Model a mortgage payment, refinance break-even and DSCR using clearly labeled educational assumptions.
Open calculators ↗Process clarity03
Know what happens before the pressure starts
Understand qualification, documentation, appraisal, underwriting and closing before the transaction calendar starts making decisions for you.
Learn the process ↗The people behind the plan
Experience that stays in the room.
RedZone is led by partners Mike Jungen and Austin Rafiee. The standard is direct answers, visible ownership and long-term relationships—not treating people like file numbers.
Meet RedZone →
Mike JungenPartner · NMLS #398838
Austin RafieePartner · Lending strategy and execution
Mortgage strategy · Partner-led execution
State, property and purpose first