The Mortgage Team Entrepreneurs Trust
Leahy Lending helps self-employed borrowers, business owners, and professionals secure the right financing — from first homes to luxury properties and real estate portfolios.
We Say Yes When Others Say No
For borrowers whose tax returns do not fully reflect current business cash flow
20+
Years of Experience
$1B+
In Loans Funded
2002
Serving Texas Clients Since
14
States Licensed
Leahy Lending, a DBA of Kyber Mortgage Corporation, has been serving Texas clients since 2002. Over $1 billion in loans funded reflects the company’s residential mortgage lending history.
"I had been turned down by three banks. Leahy Lending got me into my $1.4M home using bank statements."
— Michael R., Business Owner, Texas
20+
Years of Experience
$1B+
In Loans Funded
258+
Five-Star Reviews
14
States Licensed
21-Day
Close Target
Closing timelines vary by loan program, borrower documentation, property, appraisal, title, underwriting, lender, and other transaction conditions. A target is not a guarantee of closing within 21 days.
How Do You Earn Your Income?
We've built specialized solutions for every type of borrower. Select your situation to find the right path forward.
Self-Employed & Business Owners
Your tax returns don't tell your full story. Depending on the situation, a review may consider bank statements, a CPA-prepared profit and loss statement, or an asset-based approach.
W-2 Professionals
Commissioned employees and executives with RSUs often struggle with traditional lenders. We count RSU income, bonus income, and commission toward qualification.
Real Estate Investors
Our DSCR loans, 2nd lien cash-outs, and seller financing solutions are unmatched. Whether buying your first rental or growing a portfolio, we have the products.
You Built Your Business. We'll Finance Your Home.
Self-employed individuals are routinely declined by traditional lenders — not because they can't afford the home, but because their tax returns don't tell the full story. We've spent over two decades developing financing strategies for entrepreneurs, business owners, and self-employed professionals.
Financing Solutions Designed for You
View All ProgramsBank Statement Loans
A review of 12–24 months of bank statements may be worth considering when tax returns do not fully reflect current business cash flow.
Profit & Loss Loans
Use a CPA-prepared P&L statement to demonstrate your true income.
No Ratio Loans
Qualify based on assets, credit, and down payment — not income.
DSCR Investor Loans
Qualify using rental income from the property — ideal for investors.
Bridge Loans
Buy your next home first, then sell your current property on your timeline.
Spec Construction Lending
Ground-up construction financing for builders. Terms 9–24 months, rates from 9.5%–10.99% depending on credit and scenario.
Buy Before You Sell
One of the only lenders offering Buy Before You Sell up to $5M.
Construction Lending
Finance your custom dream home with flexible draw schedules.
RSU & Bonus Income
We count RSU income, bonus, and commission toward qualification.
Asset Only Program
Qualify based on assets — stocks, crypto, brokerage accounts. Up to $4M.
Seller Financing (MORE)
Don't drop your price — outsmart the market with our MORE platform.
Simple. Transparent. Tailored to You.
01
Consultation
A dedicated loan advisor reviews your financial profile, goals, and timeline to identify the best loan strategy.
02
Custom Strategy
We design a financing solution using the right loan product — bank statements, P&L, DSCR, or other non-traditional options.
03
Application & Approval
Our in-house processors and underwriters work quickly to move your file forward with minimal friction and maximum speed.
04
Close with Confidence
We target a close in as few as 21 days. You'll have a dedicated team communicating with you every step of the way.
What Our Clients Are Saying
"I had been turned down by three banks because of my business deductions. Leahy Lending got me into my $1.4M home using bank statements. They understood my situation immediately and never made me feel like a problem."
Michael R.
Business Owner, Texas
"As a real estate investor, I needed a lender who understood DSCR loans and could move fast. Leahy Lending closed my $2.1M investment property in 19 days. Absolutely exceptional service."
Jennifer L.
Real Estate Investor, Dallas TX
"My accountant maximizes every deduction possible, which meant my tax returns looked terrible on paper. Leahy Lending used my P&L statement and got me approved for my $950K home. Life-changing."
David C.
Consultant, Texas
Not Sure What You Qualify For?
Tell us about your situation and one of our senior mortgage advisors will review your profile and identify the best path to financing your next home — no obligation.
Your Tax Returns Shouldn't Define Your Dream Home.
Schedule a no-obligation consultation with one of our senior mortgage advisors. We'll review your financial profile and identify the best path forward.