Medical Professional – Wealth Hack

Medical Professionals Program | $0 Down | Secure The Funding
Windsor Mortgage · Plains Commerce Bank · NMLS# 463950

You saved lives.
Now let's build
your wealth.

A program built exclusively for licensed medical professionals. Zero down payment. No PMI. Up to $2 million. And your student loans on income-based repayment don't count against you.

DM "WEALTH HACK" to start See the 5-Step Path ↓

Available for MD, DO, DDS, DMD, PharmD, DVM, DPM, CRNA. Florida primary residence. NPs, RNs, PAs are not eligible for this specific program.

Program Highlights — Version 1.2 · Effective 03.02.2026
$0
Down payment required at 100% LTV financing
$2M
Maximum loan amount at 720+ FICO
NONE
PMI required — even at 100% financing
680+
Minimum FICO for program eligibility
IBR
Student loans excluded from DTI for residents & fellows
150
Days — max gap between closing and employment start
Eligibility

Built for your specific
professional designation.

This is not a general healthcare program. It is specifically designed for the professional and financial profile of licensed medical doctors, dentists, pharmacists, veterinarians, and CRNAs — manually underwritten, no automated system.

✓
Doctor of Medicine
MD
✓
Doctor of Osteopathy
DO
✓
Doctor of Dental Surgery / Medicine
DDS / DMD
✓
Doctor of Pharmacy
PharmD
✓
Doctor of Veterinary Medicine
DVM / VMD
✓
Doctor of Podiatric Medicine
DPM
✓
Certified Registered Nurse Anesthetist
CRNA with DNAP or DNP
✓
Medical Residents & Fellows
With eligible degree above
✕
Not eligible for this program: Nurse Practitioners (NP), Registered Nurses (RN), Physician Assistants (PA), Chiropractors (DC), Optometrists (OD), Physical Therapists (DPT), Psychologists (PhD/PsyD), Dental Hygienists (RDH). This list is not exhaustive. Eligibility is based on specific degree and active licensure.
The Wealth Engine Path

From this loan to
zero tax bill in 5 steps.

This program is Step 0 of the Wealth Engine. Here is exactly what the next 3-5 years looks like for a medical professional who starts today versus one who keeps renting.

00
Step 0 — Today
Buy your primary home with $0 down
Use this program. Zero down. No PMI. Up to $2M in Florida. Student loans on IBR excluded if you're in residency. Employment contract accepted up to 150 days before your start date. The clock starts the moment you close.
This is where most medical professionals lose 3-7 years — waiting to save a down payment they don't actually need.
01
Step 1 — Years 1-3
Build equity through appreciation + payments
Miami home values have risen 291% over 15 years — double the national rate. A $600K home purchased today could carry $80K-$150K in accessible equity within 2-3 years. Your home is not just shelter. It is your first investment vehicle.
02
Step 2 — Year 2-3
Access equity through a HELOC
A Home Equity Line of Credit lets you borrow against your equity without selling your home. Current rates: 6-8%. At 80% LTV on a $600K home with $400K remaining, you have approximately $80K accessible. This becomes your down payment for Step 3.
03
Step 3 — Year 3
Buy an investment property via DSCR loan
The DSCR loan qualifies based on whether the rental income covers the mortgage payment — not your W-2. No DTI calculation. Closed directly through Secure The Funding. Core Wealth Engine clients receive $1,600 in closing credits on every DSCR property.
Your physician income actually makes this easier — not harder. You bring the equity. The property brings the qualification.
04
Step 4 — Year 3-4
Eliminate your tax bill through depreciation + cost segregation
Cost segregation study on a $250K-$600K property: $33K-$50K in Year 1 deductions. Combined with S-corporation structure, standard depreciation, and Real Estate Professional status — a household earning $200K-$400K can legally eliminate the majority or entirety of their federal tax liability.
Your colleagues earning $300K are paying $80K+ to the IRS annually. With this strategy in place, you could pay zero.
05
Step 5 — Ongoing
$1,000-$2,000+ more in your paycheck every month
Once deductions are documented, adjust your W-4 with your employer. The IRS stops over-withholding. That monthly cash — often $800 to $1,500 — goes into a dedicated account and funds the next down payment. The cycle is self-funding and compounds year over year until the tax bill hits zero.
Program Details

Built around how
you actually earn.

DTI
Debt-to-Income Flexibility
Up to 50% DTI at LTV ≤ 95%. Up to 45% DTI at LTV > 95% or on ARM products. Manual underwrite — no automated system limitations.
$SL
Student Loan Treatment
Residents and fellows qualifying on residency income can have IBR/deferred student loans excluded from DTI entirely. For all others, credit report payment amount applies.
CON
Employment Contract Income
Fully executed employment contract accepted as qualifying income. Start date up to 150 days after Note date. Guaranteed salary must cover at least 12 months.
LTV
LTV Options
680 FICO: 100% LTV up to $1.5M, or 95% LTV up to $2M. 720 FICO: 100% LTV up to $2M. Secondary financing not permitted at LTV > 90.01%.
ARM
Fixed & ARM Products
Fixed rate: 15, 20, 25, 30-year. ARM: 5/6, 7/6, 10/6 (minimum $350K loan). SOFR index. ARM products are assumable.
MAN
Full Manual Underwrite
No AUS findings. Your full picture is evaluated by a human underwriter. This is how complex, high-earning borrower profiles get approvals that automated systems deny.

"You spent 10 years learning to save lives. Let me spend 45 minutes showing you how to build wealth."

— Yemani Mason · Licensed Mortgage Lender · NMLS# 1467499

The program exists.
The path is ready.
The only step is yours.

DM "WEALTH HACK" on Instagram for an immediate response. Or book a free 25-minute call directly — we'll confirm eligibility, review the numbers, and show you exactly what the Wealth Engine path looks like for your situation.

Phone
(305) 433-7194
Instagram
@yemanimason
NMLS
MLO 1467499 · Company 2085021
Licensed In
Florida

Outside Florida?

We're expanding. Get on the list.

The Wealth Engine launched in Miami first. Atlanta is next. Houston follows. Join the national waitlist and be first when your city launches.

Secure The Funding LLC · NMLS# 2085021 · 18020 SW 83 Avenue, Palmetto Bay, FL 33157 · Equal Housing Lender

All loans subject to credit approval. Windsor Mortgage is a service provided by Plains Commerce Bank. NMLS# 463950. Program terms subject to change without notice. This is not a commitment to lend. Restrictions apply. This program is available only for MD, DO, DDS, DMD, PharmD, DVM, VMD, DPM, and CRNA designations. NPs, RNs, PAs, and other healthcare professionals not listed are ineligible. Florida primary residence only. Purchase and rate/term refinance only.

Yemani Mason · MLO NMLS# 1467499 · (305) 433-7194 · @yemanimason

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