Helping Real Estate
Investors
Build Wealth Through
Smart Financing
At Justus Sharp – NFM Lending, we provide personalized mortgage solutions for homebuyers, self-employed borrowers, and real estate investors. With flexible Non-QM, investment property, alternative income, and specialized loan programs, we help you navigate unique financing needs with clarity and confidence.
Investment Property Loans
Finance qualifying rental and investment properties with flexible loan solutions tailored to the property's income potential, your financial profile, and your long-term investment strategy.
Short-Term Rental Financing
Explore flexible financing options for qualifying Airbnb, vacation rental, and other short-term rental properties, designed to support income-producing investments and your long-term real estate goals.
Fast Loan Decisions
Move forward with confidence through a streamlined lending process, clear guidance, and responsive communication from an experienced mortgage professional.
24 Years of Mortgage Experience
Benefit from extensive mortgage lending experience and personalized guidance throughout your investment property financing journey, from application to closing.
Your Experienced Loan Specialist
At Justus Sharp – NFM Lending, we believe every borrower deserves a financing solution built around their unique goals. We specialize in Non-QM, investment property, alternative income, and flexible financing solutions designed for today's diverse borrowers and real estate investors.
From Bank Statement, ITIN, 1099 Income, Asset Utilization, and Asset Depletion Loans to Jumbo Non-QM, Second Home, Non-Warrantable Condo, and Fix & Flip / Bridge Loans, we provide options when traditional financing may not be the right fit.
Our goal is simple: clear guidance, flexible solutions, and financing that helps you move forward with confidence.
- 24 Years of Mortgage Experience
- Licensed in 47 States
- Investment Property Financing Specialist
Mortgage Guidance Built Around Your Goals
With Justus Sharp at NFM Lending, you get personalized mortgage guidance built around your unique financial goals. Specializing in Non-QM, investment property, and flexible financing solutions, Justus helps borrowers find the right path with clarity and confidence.
Whether you’re purchasing a home, refinancing, investing in real estate, or expanding your portfolio, Justus Sharp takes the time to understand your goals before recommending a financing solution. His expertise in Non-QM, investment property, alternative income, and specialized loan programs allows him to provide flexible options for a wide range of borrower needs.
Why Clients Choose Justus Sharp
Choosing the right mortgage professional means working with someone who understands that every borrower and every property is different. Justus Sharp focuses on providing clear information, responsive communication, and financing strategies designed around each client's individual circumstances.
24 Years Of Mortgage Expertise
Benefit from 24 years of mortgage industry experience and the knowledge that comes from helping clients navigate a wide range of financing scenarios.
Personalized Service
Justus Sharp takes the time to understand your financial objectives, property, timeline, and financing needs before helping you evaluate available loan options.
Broad Loan Program Expertise
Explore financing solutions including Conventional, FHA, VA, DSCR, Investor, and Jumbo loans, depending on your qualifications and property requirements.
Responsive Service
Justus Sharp is known for being highly attentive and responsive, keeping clients informed and helping make the mortgage process easier to understand.
Clear Communication
Receive straightforward explanations, regular communication, and honest guidance so you can make informed decisions throughout your mortgage journey.
Licensed In 47 States
Justus Sharp's licensing across 47 states allows him to provide mortgage expertise to clients in a wide range of markets while maintaining a personalized approach.
Putting Your Best Interests First
At NFM Lending, Joel Suurmeyer believes that mortgage financing should be built around each client's unique financial situation and goals. His approach goes beyond simply finding a loan program—it's about understanding where you are today, where you want to go, and helping you explore financing options that make sense for your needs.
From first-time homebuyers to experienced real estate investors, Joel provides personalized guidance throughout the lending process. Whether you're purchasing a primary residence, second home, or investment property, or exploring specialized financing such as DSCR, Non-QM, Bank Statement, Asset Utilization, ITIN, Jumbo, Fix & Flip, and Bridge Loans, he works to make the process clear, straightforward, and transparent.
Joel's commitment goes beyond closing a single loan. He focuses on building lasting relationships through trust, responsiveness, expertise, and personalized service. Whether you're purchasing your next property, refinancing, or growing your real estate portfolio, Joel is here to help you explore the right financing strategy for your goals.
Investor-First Approach
We provide personalized financing solutions designed around your financial needs, investment strategy, and long-term goals.
DSCR LOAN EXPERTISE
Access experienced guidance for DSCR, investor, rental property, and other investment-focused financing strategies.
PERSONALIZED GUIDANCE
Work with Justus Sharp to understand your financing options and identify solutions suited to your individual objectives.
Fast Loan Decisions
Move confidently when investment opportunities become available.
FLEXIBLE FINANCING OPTIONS
Access loan programs designed to support a variety of investment objectives.
LONG-TERM PARTNERSHIP
Whether you're financing one property or building a large portfolio,Justus Sharp is committed to helping you succeed.
Frequently Asked Questions
David specializes in a broad range of financing options, including Conventional, FHA, VA, DSCR, Investor, and Jumbo loans. Specific programs and terms depend on borrower qualifications, property type, location, and current program guidelines.
Yes. David provides DSCR financing for qualifying real estate investors, including investment property purchases, rental properties, refinances, cash-out refinances, portfolio loans, short-term rentals, Airbnb properties, and other eligible investment strategies.
DSCR loans generally focus on the income-producing property's cash flow and ability to support its debt obligations rather than relying exclusively on traditional personal income documentation. Qualification requirements vary by loan program, property, and borrower.
Yes. David offers expertise in FHA and VA loan programs for eligible borrowers. These programs can provide different financing structures depending on the borrower's circumstances, property, and applicable guidelines.
Yes. Jumbo loan financing is available for qualifying borrowers and properties that require loan amounts above applicable conforming limits. Eligibility, down payment requirements, credit standards, and other requirements vary by program.
Yes. David can help borrowers explore applicable rate-and-term refinance, cash-out refinance, and investment property refinance options based on their goals, property, and qualifications.
Yes. Investment property financing is an important part of David's mortgage expertise. He works with investors seeking financing for rental properties, short-term rentals, multiple properties, portfolio growth, and other qualifying investment opportunities.
David is licensed in 47 states, providing mortgage services across a broad portion of the United States. His listed service areas include Nevada, Indiana, Texas, New York, Ohio, Illinois, Georgia, North Carolina, and Pennsylvania.
David brings 24 years of mortgage industry experience to every client relationship. His experience includes working with a variety of residential and investment financing scenarios.
David is known for being attentive, highly responsive, and focused on his clients' best interests. He provides clear communication, honest guidance, and personalized financing strategies rather than taking a one-size-fits-all approach.
You can contact David Ross to discuss your home purchase, refinance, or investment financing goals. He can review your situation, explain available options, and help you determine which financing solutions may be appropriate for your needs.
START YOUR INVESTMENT FINANCING JOURNEY TODAY
Whether you're purchasing your first investment property, refinancing an existing rental, or expanding your real estate portfolio, Justus Sharp with NFM Lending is here to help you explore the right financing options. With a personalized approach and expertise in Non-QM and investment-focused lending, Justus provides clear, responsive guidance to help you make confident financing decisions
- Non-QM Financing
- Investment Property Loans
- Flexible Financing Solutions
- Fast & Responsive Service
Request Your Free Quote
Tell us about your investment property and financing goals. Justus Sharp with NFM Lending will review your scenario and help you understand the Non-QM and investment property loan options that may fit your needs.
No spam. No obligation. Just straightforward guidance from Justus Sharp.