Personalized Lending. Exceptional Service.
Helping homebuyers, homeowners, and real estate investors explore mortgage solutions through a broad network of wholesale lending partners.
A mortgage advisor who puts you first.
Whether you're buying your first home, refinancing, or building an investment portfolio — I guide you through every step with clarity and care.
Personalized Guidance
Every client's situation is different. I take the time to understand your goals and find the right loan for your needs.
Broad Lending Network
Access to a wide network of wholesale lending partners means more options and competitive terms for you.
Clear Communication
No jargon, no surprises. I keep you informed at every stage so you always know where your loan stands.
Purchase & Refinance
From first-time homebuyers to seasoned investors — I handle purchases, refinances, and everything in between.
One Point of Contact
You work directly with me from application to closing. No handoffs, no call centers, no confusion.
Investment Property Expertise
Deep experience with DSCR loans, rental property financing, and investor-focused mortgage solutions.
Mortgage Solutions for Every Goal
From first-time homebuyers to experienced investors — I have the right program for you.
How DSCR Loans Work
Debt Service Coverage Ratio loans qualify you on the property's income — not yours.
Property Generates Rent
The rental income from the property is the primary qualification factor — not your W-2 or tax returns.
We Calculate the DSCR
DSCR = Monthly Rent ÷ Monthly Debt Payment. A ratio of 1.0+ typically qualifies. Higher ratios unlock better rates.
No Personal Income Docs
No tax returns, no pay stubs, no employment verification. Just the property's financials.
Close in as Few as 14 Days
Streamlined underwriting means faster approvals and closings — so you never miss a deal.
The Boutique Difference
Atlantic Palms Financial is built on the belief that every client deserves personalized attention, honest guidance, and a mortgage experience that feels effortless — not overwhelming.
Get StartedBroad Lending Network
Access to a wide network of wholesale lending partners through NEXA Mortgage, LLC.
Competitive Wholesale Pricing
Broker access means better rates than most retail lenders can offer.
Full Spectrum of Programs
Purchase, refinance, VA, FHA, conventional, jumbo, and investor-focused loan products.
Concierge-Level Service
White-glove attention from first conversation to closing day — and beyond.
What Investors Say
"Kam closed my DSCR loan in 16 days when two other lenders had been stringing me along for 45. I've since done 3 more deals with him."
"I'm self-employed and couldn't qualify at a bank. Kam found me a bank statement program that worked perfectly. No tax returns, no hassle."
"As a fix-and-flip investor, speed is everything. Kam understands that. He's my go-to lender for every deal in Florida."
"Kam helped me structure a cash-out refi that funded two more acquisitions. He thinks like an investor, not just a loan officer."
Frequently Asked Questions
Everything investors need to know about DSCR and non-QM financing.
Have a different question?
Kam Eubanks
Mortgage Loan Originator | NMLS #1708368
I'm Kam Eubanks — a licensed Mortgage Loan Originator dedicated to helping clients navigate the mortgage process with confidence. Whether you're buying your first home, refinancing, or financing an investment property, I'm here to guide you every step of the way.
Through NEXA Mortgage, LLC, I have access to a broad network of wholesale lending partners — which means more options, competitive pricing, and the right program for your unique situation.
My commitment is simple: personalized service, clear communication, and a mortgage experience that puts your goals first.
DSCR Calculator
Enter your property's numbers and instantly see your estimated Debt Service Coverage Ratio — the key metric lenders use to qualify Florida investment properties.
DSCR ≥ 1.25 — Strong cash flow, best rates available
DSCR ≥ 1.0 — Meets minimum threshold for most programs
DSCR < 1.0 — Some lenders allow down to 0.75 — let's talk
DSCR Calculator
Estimate your Debt Service Coverage Ratio
Market rent or actual lease income
Principal + interest only
Enter 0 if none
Let's Find the Right Loan for You
Tell me about your goals and I'll help you explore the right mortgage options. No obligation, no pressure — just honest guidance.
Start Your Application
Ready to Get Started?
Let's find the right mortgage solution for your goals. No pressure — just straight answers.