Why Ken
Kenneth Lee Schisler — principal of AltDoc Loans, a solo non-QM brokerage in Costa Mesa. California real estate broker, DRE #01429613. NMLS #328993; company NMLS #340925.
When you call, you reach the broker who structures the file, prices it, and closes it — not an intake desk, not a junior LO working a queue. Scenario questions get same-day answers because the person answering doesn't have to ask anyone else.
On a Prop 19 equalization file, that means both originations — the private-money bridge to the trust and the beneficiary's exit refinance — stay at one desk. The sequencing that preserves the parent-child exclusion is designed once, by the person executing both halves, instead of being negotiated between two lenders who each see half the picture.
Beneficiaries are routinely retirees, self-employed, or between W-2s at exactly the moment they need to qualify. The shelf runs the whole doc ladder: full documentation, bank statement, P&L and 1099 programs, asset utilization for income-light balance sheets, DSCR for investor heirs, closed-end seconds, and bridge. The structure gets matched to the borrower — never the other way around.
The bridge to a trust or estate is a different market than the exit refinance. Established private-lending relationships mean a fiduciary borrower with clear authority can move in days when the administration is on a clock.
Licensed California broker with MLS access: when a buyout is being priced, you get a fast, defensible read on fair market value — the number the equalization math and the gift-treatment analysis both depend on.
Checklists per scenario, documents requested once, status you don't have to chase. The goal on every file is the same: the client outcome is clean, and the file comes back to you without drama.
No compensation is paid to attorneys for referrals, and nothing here should be read as offering any. The value exchanged is the client outcome, and this desk complements your advice — it never gives legal or tax advice, and it never replaces counsel or the client's CPA.
Send the fact pattern — no client PII needed to quote. Same-day read on structure, timing, and whether it works.