DSCR Investor Loans
Rental property financing
Qualify on the investment property's rental income instead of your personal tax returns — built for real estate investors growing a portfolio in Southwest Florida.
Every Buyer Is Unique. Their Mortgage Solution Should Be Too
Buying a home? Refinancing? Investing in real estate? Or have a mortgage situation that other lenders can't figure out?
At 239 Home Loans, LLC, we believe finding the right mortgage shouldn't be the hardest part of your journey.
From Conventional, FHA, and VA loans to specialized financing for self-employed borrowers and real estate investors, we help you explore options that fit your needs — even when your situation doesn't fit the traditional mold.
I'm Aaron Tygart, also known as THE Florida Mortgage Pro. Based in Cape Coral, I'm proud to help borrowers throughout Southwest Florida and across the state.
Local Expertise. More Loan Options. Real Solutions.
We LOAN so you can OWN
Licensed Mortgage Professional · NMLS #2024422
- Non-QM
- Conventional
- FHA
- VA
- Construction
- Purchase
- Refinance
- Fix & Flip
Mortgage Specialties
Complex mortgage scenarios that don't fit traditional lending guidelines.
Investors, self-employed borrowers, and buyers other lenders turned down. If your file isn't a plain-vanilla scenario, this is where it gets solved.
Bank Statement Loans
For self-employed borrowers and business owners
For business owners, 1099 earners, and self-employed borrowers whose write-offs make tax returns tell an incomplete story.
Asset Utilization Loans
Financing using qualifying assets
Put eligible assets to work as qualifying income when traditional income documentation falls short of the picture.
Non-QM Loans
Alternative mortgage solutions
Flexible loan options for borrowers and files that do not fit inside conventional agency lending guidelines.
Rate Buydown Strategies
Explore lower payment options
We compare temporary and permanent buydowns side by side to see whether a lower monthly payment is within reach.
Difficult Loan Scenarios
When other lenders say no
Complex files, unusual income, unique property. I dig into the details and look for a path instead of a quick no.
Loan Programs
Financing options for buyers, homeowners and investors.
- Conventional
- Fixed and adjustable financing with flexible terms for well-qualified buyers.
- FHA
- Low down payment financing with more forgiving credit guidelines.
- VA
- Zero down payment financing for veterans and active-duty service members.
- Construction
- Financing to build on your lot or through a Southwest Florida builder.
- Non-QM
- Flexible mortgage solutions for unique income and property scenarios.
- Refinance
- Rate-and-term and cash-out options to restructure your mortgage.
THE Florida Mortgage Pro
About Aaron Tygart
I'm Aaron Tygart, Producing Branch Manager of 239 Home Loans, LLC, powered by New American Funding — located in Cape Coral and lending throughout Florida. I help homebuyers, homeowners, real estate investors, and self-employed borrowers find mortgage financing solutions.
While I offer Conventional, FHA, VA, Construction, Purchase, and Refinance loans, I'm especially known for handling complex mortgage scenarios that don't fit traditional lending guidelines.
I believe in finding solutions, communicating clearly, and helping buyers get to the closing table.
- DSCR
- Bank Statement
- Real estate investors
- Self-employed borrowers
- First-time home buyers
- Refinance
- Down payment assistance
Aaron Tygart · NMLS #2024422
Client Reviews
Rated 5.0 out of 5 by borrowers on Zillow and Experience.com.
Real reviews from real clients — homebuyers, homeowners and investors I've helped across Cape Coral, Fort Myers and all of Florida.
Areas Served
Local to the Gulf Coast, licensed across the state. If you're buying, building or investing in Florida, we can work together.
- Cape Coral
- North Fort Myers
- Lehigh Acres
- Bonita Springs
- Estero
- Naples
- Port Charlotte
- Punta Gorda
- Tampa
- Bradenton
- Fort Myers
- Miami
- Boca Raton
- Sarasota
- Fort Myers Beach
…and all throughoutFlorida
Start Your Application
Let's find the financing solution that fits your life.
Apply online in a few minutes, or call THE Florida Mortgage Pro directly — evenings and weekends included.