Adam Styer | HyperSmart Home Loans (NMLS #513013) is an Austin mortgage broker for complex scenarios—including self-employed, 1099, jumbo, DSCR, and asset-based qualification. Each file is reviewed against multiple available lender and program paths.
Deals Banks Said No To
Composite scenarios reflecting the kind of files I close every month. Names and exact numbers changed to protect client privacy.
$1.2M Westlake purchase — 3 banks declined
The file: S-corp owner, write-offs killed his tax-return income. Banks saw "low W-2 wages" and bounced him.
What I did: Switched him to a 24-month bank statement program. Counted real business deposits instead of taxable income.
Outcome: Closed at a rate within 0.25% of conventional pricing. Seller never knew it was a Non-QM file.
4-property Austin STR portfolio — no personal income docs
The file: Investor wanted to scale to 4 short-term rentals. Conventional cap of 10 financed properties + tax-return income wasn't going to support it.
What I did: Used DSCR loans qualifying off projected rents — no W-2s, no tax returns. Held title in LLC vesting for asset protection.
Outcome: Three properties closed in 60 days. Fourth funded the month after. All STR-eligible.
Loans Built for Every Situation
From files banks decline to a straightforward conventional purchase — with 40+ wholesale lenders, you get the program that fits your situation, not the one product a single bank can sell.
Explore All ProgramsConventional Loans
Traditional financing options for qualified borrowers, with down payment and mortgage-insurance requirements determined by the specific program.
Learn More →FHA Loans
3.5% down payment options.
Learn More →VA Loans
Zero down for our heroes.
Learn More →Jumbo Loans
The 2026 Conforming Limit is $832,750; anything above requires a Jumbo solution.
Learn More →Non-QM Solutions
Specialized financing for self-employed and complex income profiles.
Learn More →DSCR Investor Loans
Qualify Texas rental properties primarily on property cash flow instead of personal income. LLC vesting, long-term rentals, and short-term rental scenarios may be available by program.
Learn More →Ready to Get Started?
Send a short scenario for Adam to review, or start the secure application if you are ready to move forward.
Secure and confidential · No obligation · Adam personally reviews every submission
Client and Partner Reviews
"Adam and his team were very responsive, always available, and quick to answer my questions. They work quickly and get you as far as they can through the approval process."
Buda, TX • Purchase
"Adam was very knowledgeable and offered us a very competitive rate. He took the time to explain different rates, put it together in a nice overview and even recorded a short video explaining things."
Austin, TX • Purchase
"I've known Adam Styer for the past four years, and he has consistently proven to be one of the most knowledgeable, reliable, and supportive mortgage professionals I've worked with."
Google • Realtor Partner
"Adam is awesome - he works to understand your needs, presents multiple and often creative financing options to meet them, and supports you throughout the whole home purchase."
Google • Purchase
Know Your Numbers
Use our calculators to estimate your payment, determine how much house you can afford, or see if refinancing makes sense.
Explore CalculatorsPractical answers before you apply
Understand your income options, plan a build, or compare a loan offer.
How lenders review self-employed income
Understand the difference between business revenue and qualifying income, and the documentation a lender may review.
Read the income guide → Construction FinancingPlan the financing before you build
Explore how one-time-close construction financing works and what to gather about your lot, builder, and project budget.
Read the construction guide → Comparing Loan OffersCompare more than the interest rate
Make sense of points, lender fees, credits, and cash to close when reviewing two mortgage offers.
Read the comparison guide →
Meet Adam Styer
Originally from Ohio (Go Bucks), Adam has called Austin home for over 16 years — and loved it so much his whole family followed him here. He's spent the last decade helping Austin families achieve the dream of homeownership through honest conversation, expert guidance, and a commitment to transparency.
As an independent mortgage broker, Adam compares available lender, program, pricing, and structure options for each scenario. He's a proud husband to Britney Jo, dad to three amazing kids, and over 10 years sober. Faith, family, fitness, and finance drive everything he does.
He has also bought, sold, renovated, financed, and operated real estate himself — including long-term rentals, short-term rentals, flips, multifamily, and commercial ownership interests. Adam and Britney Jo personally operate Adobe Creek Ranch, an approximately 25-acre group rental near Fredericksburg. That firsthand experience helps him look beyond whether a loan can close to how the financing may work once real ownership begins.
Adam builds relationships — not just transactions. When he's not closing loans, you'll find him with his family, active in Austin's sober community, or staying sharp on market trends to give his clients an edge.
Read Adam's Ownership StoryFor Realtor Partners
Give complex deals a clearer path with upfront scenario review, proactive communication, and experience working alongside Austin-area agents.
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Based in Austin. Serving borrowers across Texas. Explore Austin-area communities →
Frequently Asked Questions
Yes. Self-employed Austin borrowers can qualify using bank statement loans (12 or 24 months of deposits), 1099-only programs, P&L loans, or asset depletion — tax returns may not need to be the primary income document. These non-QM programs underwrite actual cash flow, not the income your write-offs reduced. Adam matches each borrower to the right wholesale lender across 40+ programs.
A DSCR loan qualifies real estate investors on a property's rental income — not personal income. DSCR = gross rent ÷ PITIA. Most lenders prefer 1.0+, but no-ratio programs exist. Works for long-term, short-term (Airbnb/Vrbo), and small multifamily across Texas. Down payments start at 20–25%, no cap on properties owned, LLC vesting allowed.
Asset depletion uses liquid assets to create qualifying monthly income — for retirees, founders post-exit, and HNW borrowers without W‑2 income. Lenders divide eligible assets (after-tax investments and retirement accounts) by 60, 84, 120, 240, or 360 months. Freddie §5307.1 uses 240, Fannie uses 360. The right lender match changes qualifying income dramatically.
Complex-income borrowers — self-employed owners, K‑1 partners, S‑corp owners, investors, foreign nationals, and HNW individuals — can use bank statement, 1099-only, P&L only, asset depletion, DSCR, jumbo (above $832,750 in Travis County for 2026), and one-time-close construction. Adam compares 40+ wholesale lenders to maximize qualifying income per scenario.
Most pre-approvals are issued within one business day once your file is complete. Bank statement, DSCR, and other non-QM loan timelines depend on program, property, appraisal, title, and documentation. Fast underwriting matters in Austin's purchase market — competitive offers often need rapid funding to win against cash buyers. Send the short scenario or call (512) 956-6010.
Ready to Talk Through Options?
Send the short scenario first, book a call, or call directly. If the Secure Portal is the right next step, I will send you there with context.