One missed guideline can blow up the whole loan.
Credit events, property type, loan size, reserves, DSCR, and prepay structure can all change the answer. I screen the full scenario, not just the headline numbers.
In the mortgage business since 2002
Real numbers. Real solutions. Real closings.
The quote I give you is the number that closes.
24 years in this business — processing, operations, sales management, executive leadership. I've seen every way a deal can fall apart, and I price yours so it doesn't. Lender, rate, payment, fees, reserves, prepay — in writing, before you risk a dollar on it.
Prefer to talk it through? Call me at (949) 822-8535
Se habla español
Investor Loan / DSCR Placement Specialist
Carlos Duenas
NMLS #888826 · West Capital LendingSince 2002In the mortgage business—24 years
4.98 / 5Average rating on Experience.com
123Client reviews
NMLS #888826Carlos Duenas · West Capital Lending
Placement over promises
Bogus quotes kill real deals.
Pretty quotes are a dime a dozen. Mine get tested first — property, borrower, leverage, reserves, DSCR, lender guidelines — so the number I give you is the number that closes.
If the costs are hidden, the rate is a distraction.
I show the rate, price, payment, fees, and structure together, so you compare the deal instead of chasing a number that never existed for your file.
A fast “no” is not the same as a final answer.
That is often where placement expertise starts. I know how to reframe a scenario, identify another lane, and keep the transaction moving when a standard answer fails.
Before I quote it
What I check on every deal.
01
Your future goals with the property
Hold long-term, scale, pull cash out, or sell down the road? Your plan for the property shapes the loan, the prepay, and the lender I pick today.
02
Type of usage (STR, LTR, mid-term, special use)
Short-term, long-term, mid-term, or special use — how it’s rented drives the income math, the docs, and which lenders will touch it.
03
ARV / current value
What it’s worth now and what it’s worth after the work. I price off real value — not a listing guess or a number the deal needs to hit.
04
DSCR ratios
Rent against the full payment — principal, interest, taxes, insurance, and HOA. Run at real numbers, because a ratio under 1.0 changes everything.
05
Seasoning
How long you’ve owned it and when the last loan closed. Seasoning can open a program — or quietly shut one before we start.
06
LLC / entity vesting
How title is held — in your name or the entity. I check vesting on every DSCR deal up front, so it never becomes a last-minute title problem.
07
Credit & credit events
Score plus history — lates, collections, bankruptcies, foreclosures, judgments. I get the full picture up front, because what’s on your credit decides the program, the pricing, and sometimes whether there’s a deal at all.
Run your deal through the same list — before someone else quotes it wrong.
Submit your scenario →More than one lane
Solutions built around the borrower.
DSCR is a core specialty, but not every goal calls for the same tool. I help investors, homeowners, and self-employed borrowers evaluate the right structure.
Investor & DSCR loans
Qualify around the property’s rental income and place the file with a lender that fits the actual scenario.
No FICO score required on qualifying DSCR options.- Purchases, refinances, and cash-out
- Programs for borrowers with no usable credit score
- SFR, 2–4 units, and varied investor profiles
HELOC & equity access
Tap available equity without defaulting to a one-size-fits-all first-mortgage refinance.
- HELOC and second-lien options
- Primary and investment use cases
- Structure compared against cash-out
Alternative income paths
Options for borrowers whose real financial picture is stronger than a standard income box suggests.
- Bank-statement programs
- Self-employed borrowers
- Scenario-specific non-QM solutions
A disciplined deal desk
Price it. Prove it. Then close it.
Get the facts
Property, value, rent, income, credit, liquidity, timing, and the real goal.
Match the lender
Screen the scenario against lender appetite and the guidelines that can make or break it.
Show the full quote
Rate, price, payment, fees, prepay structure, and required reserves—side by side.
Drive the close
Stay on the exceptions, conditions, and moving pieces until there is a real outcome.
What clients remember
What my clients say matters most.
“An Expert in his field… I would hire him away from West Capital in a second”
“relentless at performing regardless of temporary challenges… concluded a successful close”
“work really hard to get our deals done… persistent”
“given his all to ensure our refinance”
“very responsive… made the process… seamless”
About Carlos
In this business since 2002.
I’m Carlos Duenas, Branch Manager and VP at West Capital Lending. I’ve been in the mortgage business since 2002, and I didn’t come up through sales alone—I started in processing and operations, the rooms where a loan is actually built, documented, and closed. From there I moved into sales management and executive leadership. I’ve seen this business from every seat at the table.
That path is why this page leads with trust, transparency, and accurate pricing. When you’ve processed the file and run the operation, you know exactly where a quote can bend the truth—so mine don’t. You get the full picture in writing, and a straight answer when a deal doesn’t work.
Bachelor’s degree
Business Administration
Finance concentration · California State University, Fullerton
Master’s degree
Management and Leadership
Pepperdine University · Malibu, California
Today
Branch Manager / VP
West Capital Lending · NMLS #888826
Processing
Where a loan is built—documents, details, and the conditions that decide whether it closes.
Operations
The systems and people behind the closing table—and where deals quietly fall apart.
Sales management
Leading loan officers and holding the line on honest, accurate quoting.
Executive leadership
Running the desk today—the experience behind every number on this page.
Get a real read on the deal
Submit your scenario.
Tell me about your deal. This is the same intake behind every quote I run — fill in as much as you know and I'll take it from there. All I truly need: your name, how to reach you, the property address, and what you want to do.
- Contact — so I can send the quote back to you
- Property — address, type, and how it will be rented
- The numbers — value, loan amount, rent, credit, and vesting
Prefer to talk it through?(949) 822-8535
Prefer a direct email?cduenas@westcapitallending.com