{"id":435,"date":"2026-07-27T16:36:12","date_gmt":"2026-07-27T20:36:12","guid":{"rendered":"https:\/\/structure.virtualgx.com\/?page_id=435"},"modified":"2026-09-14T11:01:57","modified_gmt":"2026-09-14T15:01:57","slug":"situations-reelles","status":"publish","type":"page","link":"https:\/\/structure.virtualgx.com\/fr\/real-situations\/","title":{"rendered":"Situations r\u00e9elles"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"435\" class=\"elementor elementor-435\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a128044 e-con e-atomic-element e-flexbox-base e-a128044-232977b section \" data-id=\"a128044\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a128044\" data-e-type=\"e-flexbox\" data-id=\"a128044\">\n    <div class=\"elementor-element elementor-element-2d918cd e-con e-atomic-element e-flexbox-base sectionInterne e-2d918cd-7bd39be \" data-id=\"2d918cd\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"2d918cd\" data-e-type=\"e-flexbox\" data-id=\"2d918cd\">\n    <div class=\"elementor-element elementor-element-6cdc987 e-flex e-con-boxed e-con e-parent\" data-id=\"6cdc987\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aa21890 elementor-widget elementor-widget-image\" data-id=\"aa21890\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/structure.virtualgx.com\/wp-content\/uploads\/elementor\/thumbs\/19919-rr81whhc9p7jjyujsbx0ilt1dkjid42hgw85slj71s.webp\" title=\"19919\" alt=\"hypoth\u00e8que situations\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-797e51d e-flex e-con-boxed e-con e-parent\" data-id=\"797e51d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<h2 data-interaction-id=\"f1c473f\" class=\"sousTitre e-heading-base\" data-e-type=\"widget\" data-id=\"f1c473f\">The work in practice.<\/h2>\n\t\t\t\t<div class=\"elementor-element elementor-element-63d6641 elementor-widget__width-inherit elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"63d6641\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Mortgage work gets interesting when the situation does not fit the standard approach. The files below are examples of that kind of work, and what it actually looks like to work through them properly. If something here looks familiar, or if your situation feels more complex in ways you haven&#8217;t been able to get a straight answer on, it&#8217;s worth reaching out.<\/p><p class=\"p1\">The scenarios below are composites drawn from real files. Details have been changed to protect our clients; the situations, the decisions and the outcomes are real.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-b63471a e-con e-atomic-element e-flexbox-base e-b63471a-3ba046c section \" data-id=\"b63471a\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"b63471a\" data-e-type=\"e-flexbox\" data-id=\"b63471a\">\n    <div class=\"elementor-element elementor-element-aa4002a e-grid e-con-boxed e-con e-parent\" data-id=\"aa4002a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-61ebdb2 e-con-full e-flex e-con e-child\" data-id=\"61ebdb2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;],&quot;sticky_offset&quot;:150,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t\t<p class=\"miniTitre e-paragraph-base\" data-interaction-id=\"20a3844\" data-e-type=\"widget\" data-id=\"20a3844\">Client types<\/p>\n\t\t\t\t<div class=\"elementor-element elementor-element-6534bf8 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6534bf8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-619cdd3 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"619cdd3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#homebuyers\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">First-time homebuyers<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#homeowners\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Homeowners<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#professionals\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Self-employed professionals and business owners<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#real-estate\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Real estate investors<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#business-owners\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Business owners financing commercial property<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#life-event\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Clients experiencing a life-changing event <\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c415718 e-con-full e-flex e-con e-child\" data-id=\"c415718\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-be17de4 e-con e-atomic-element e-flexbox-base e-be17de4-57bc0ff section \" data-id=\"be17de4\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"be17de4\" id=\"homebuyers\" data-e-type=\"e-flexbox\" data-id=\"be17de4\">\n    <div class=\"elementor-element elementor-element-1fd6eba e-flex e-con-boxed e-con e-parent\" data-id=\"1fd6eba\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-011f8c8 e-con-full e-flex e-con e-child\" data-id=\"011f8c8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6cc6ad0 e-con-full e-flex e-con e-child\" data-id=\"6cc6ad0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<p class=\"miniTitre e-paragraph-base\" data-interaction-id=\"a030f15\" data-e-type=\"widget\" data-id=\"a030f15\">Client type<\/p>\n\t\t\t\t\t<h2 data-interaction-id=\"b21c0fc\" class=\"sousTitre e-b21c0fc-10c2940 e-heading-base\" data-e-type=\"widget\" data-id=\"b21c0fc\">First-time homebuyers<\/h2>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-841a968 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"841a968\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebfd368 elementor-grid-1 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-widget elementor-widget-loop-grid\" data-id=\"ebfd368\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;template_id&quot;:&quot;1207&quot;,&quot;columns&quot;:1,&quot;_skin&quot;:&quot;post&quot;,&quot;columns_tablet&quot;:&quot;2&quot;,&quot;columns_mobile&quot;:&quot;1&quot;,&quot;edit_handle_selector&quot;:&quot;[data-elementor-type=\\&quot;loop-item\\&quot;]&quot;,&quot;row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"loop-grid.post\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-loop-container elementor-grid\" role=\"list\">\n\t\t<style id=\"loop-1207\">.elementor-1207 .elementor-element.elementor-element-8ab549c{--display:flex;border-style:solid;--border-style:solid;border-width:5px 1px 1px 1px;--border-top-width:5px;--border-right-width:1px;--border-bottom-width:1px;--border-left-width:1px;border-color:var( --e-global-color-primary );--border-color:var( --e-global-color-primary );--padding-top:10%;--padding-bottom:10%;--padding-left:10%;--padding-right:10%;}.elementor-1207 .elementor-element.elementor-element-8ab549c:not(.elementor-motion-effects-element-type-background), .elementor-1207 .elementor-element.elementor-element-8ab549c > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-color:var( --e-global-color-7da0383 );}.elementor-1207 .elementor-element.elementor-element-640bfe1 .elementor-heading-title{font-family:\"Georgia\", Sans-serif;font-size:28px;font-weight:400;color:var( --e-global-color-secondary );}.elementor-1207 .elementor-element.elementor-element-640bfe1 .elementor-heading-title a:hover, .elementor-1207 .elementor-element.elementor-element-640bfe1 .elementor-heading-title a:focus{color:var( --e-global-color-secondary );}.elementor-1207 .elementor-element.elementor-element-640bfe1{width:var( --container-widget-width, 90% );max-width:90%;--container-widget-width:90%;--container-widget-flex-grow:0;}.elementor-1207 .elementor-element.elementor-element-74c0cdb{font-family:var( --e-global-typography-text-font-family ), Sans-serif;font-weight:var( --e-global-typography-text-font-weight );color:var( --e-global-color-text );width:var( --container-widget-width, 90% );max-width:90%;--container-widget-width:90%;--container-widget-flex-grow:0;}.elementor-1207 .elementor-element.elementor-element-0982712 .elementor-icon-wrapper{text-align:center;}.elementor-1207 .elementor-element.elementor-element-0982712.elementor-view-stacked .elementor-icon{background-color:var( --e-global-color-primary );}.elementor-1207 .elementor-element.elementor-element-0982712.elementor-view-framed .elementor-icon, .elementor-1207 .elementor-element.elementor-element-0982712.elementor-view-default .elementor-icon{color:var( --e-global-color-primary );border-color:var( --e-global-color-primary );}.elementor-1207 .elementor-element.elementor-element-0982712.elementor-view-framed .elementor-icon, .elementor-1207 .elementor-element.elementor-element-0982712.elementor-view-default .elementor-icon svg{fill:var( --e-global-color-primary );}.elementor-1207 .elementor-element.elementor-element-0982712.elementor-view-stacked .elementor-icon:hover{background-color:var( --e-global-color-primary );}.elementor-1207 .elementor-element.elementor-element-0982712.elementor-view-framed .elementor-icon:hover, .elementor-1207 .elementor-element.elementor-element-0982712.elementor-view-default .elementor-icon:hover{color:var( --e-global-color-primary );border-color:var( --e-global-color-primary );}.elementor-1207 .elementor-element.elementor-element-0982712.elementor-view-framed .elementor-icon:hover, .elementor-1207 .elementor-element.elementor-element-0982712.elementor-view-default .elementor-icon:hover svg{fill:var( --e-global-color-primary );}.elementor-1207 .elementor-element.elementor-element-0982712 .elementor-icon{font-size:30px;}.elementor-1207 .elementor-element.elementor-element-0982712 .elementor-icon svg{height:30px;}body:not(.rtl) .elementor-1207 .elementor-element.elementor-element-0982712{right:20px;}body.rtl .elementor-1207 .elementor-element.elementor-element-0982712{left:20px;}.elementor-1207 .elementor-element.elementor-element-0982712{bottom:20px;}<\/style>\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"1207\" class=\"elementor elementor-1207 e-loop-item e-loop-item-986 post-986 post type-post status-publish format-standard has-post-thumbnail hentry category-first-time-homebuyers\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-8ab549c e-flex e-con-boxed e-con e-parent\" data-id=\"8ab549c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" href=\"https:\/\/structure.virtualgx.com\/fr\/finding-the-house-that-fits-the-budget-not-just-the-qualification\/\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<h2 data-interaction-id=\"acaa6da\" class=\"miniTitre e-heading-base\" data-e-type=\"widget\" data-id=\"acaa6da\">Scenario no. 01<\/h2>\n\t\t\t\t<div class=\"elementor-element elementor-element-640bfe1 elementor-widget__width-initial elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"640bfe1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Finding the house that fits the budget, not just the qualification.<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74c0cdb elementor-widget__width-initial elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"74c0cdb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t\tA first-time buyer couple pre-approved at $750k by another broker, with a baby on\nthe way and a critical gap between qualification and actual cash flow.\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0982712 elementor-absolute elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"0982712\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fal fa-arrow-circle-right\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"1207\" class=\"elementor elementor-1207 e-loop-item e-loop-item-233 post-233 post type-post status-publish format-standard has-post-thumbnail hentry category-first-time-homebuyers\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-8ab549c e-flex e-con-boxed e-con e-parent\" data-id=\"8ab549c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" href=\"https:\/\/structure.virtualgx.com\/fr\/building-income-into-the-property-to-qualify-for-the-neighbourhood\/\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<h2 data-interaction-id=\"acaa6da\" class=\"miniTitre e-heading-base\" data-e-type=\"widget\" data-id=\"acaa6da\">Scenario no. 02<\/h2>\n\t\t\t\t<div class=\"elementor-element elementor-element-640bfe1 elementor-widget__width-initial elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"640bfe1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Building income into the property to qualify for the neighbourhood.<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74c0cdb elementor-widget__width-initial elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"74c0cdb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t\tA buyer with a fixed income trying to enter a neighbourhood above their qualifying\nrange. Solved through a Purchase Plus Improvements structure that added an\nincome suite.\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0982712 elementor-absolute elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"0982712\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fal fa-arrow-circle-right\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"1207\" class=\"elementor elementor-1207 e-loop-item e-loop-item-1013 post-1013 post type-post status-publish format-standard has-post-thumbnail hentry category-first-time-homebuyers\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-8ab549c e-flex e-con-boxed e-con e-parent\" data-id=\"8ab549c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" href=\"https:\/\/structure.virtualgx.com\/fr\/bringing-parents-into-the-conversation-as-co-signers\/\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<h2 data-interaction-id=\"acaa6da\" class=\"miniTitre e-heading-base\" data-e-type=\"widget\" data-id=\"acaa6da\">Scenario no. 03<\/h2>\n\t\t\t\t<div class=\"elementor-element elementor-element-640bfe1 elementor-widget__width-initial elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"640bfe1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Bringing parents into the conversation as co-signers.<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74c0cdb elementor-widget__width-initial elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"74c0cdb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t\tA couple with strong career trajectories but income below their target neighbourhood. We structured a co-signer arrangement with a clear timeline for removal. They bought the home they wanted and the co-signers were off the mortgage within a year.\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0982712 elementor-absolute elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"0982712\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fal fa-arrow-circle-right\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-cf2421f e-con e-atomic-element e-flexbox-base e-cf2421f-34d1f93 section \" data-id=\"cf2421f\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"cf2421f\" id=\"homeowners\" data-e-type=\"e-flexbox\" data-id=\"cf2421f\">\n    <div class=\"elementor-element elementor-element-b70727f e-flex e-con-boxed e-con e-parent\" data-id=\"b70727f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f886d24 e-con-full e-flex e-con e-child\" data-id=\"f886d24\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ce4fcaa e-con-full e-flex e-con e-child\" data-id=\"ce4fcaa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<p class=\"miniTitre e-paragraph-base\" data-interaction-id=\"ef8a135\" data-e-type=\"widget\" data-id=\"ef8a135\">Client type<\/p>\n\t\t\t\t\t<h2 data-interaction-id=\"f25e92d\" class=\"sousTitre e-f25e92d-ea1c633 e-heading-base\" data-e-type=\"widget\" data-id=\"f25e92d\">Homeowners<\/h2>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3621dec elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3621dec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aac90ae elementor-grid-1 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-widget elementor-widget-loop-grid\" data-id=\"aac90ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;template_id&quot;:&quot;1207&quot;,&quot;columns&quot;:1,&quot;_skin&quot;:&quot;post&quot;,&quot;columns_tablet&quot;:&quot;2&quot;,&quot;columns_mobile&quot;:&quot;1&quot;,&quot;edit_handle_selector&quot;:&quot;[data-elementor-type=\\&quot;loop-item\\&quot;]&quot;,&quot;row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"loop-grid.post\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-loop-container elementor-grid\" role=\"list\">\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"1207\" class=\"elementor elementor-1207 e-loop-item e-loop-item-1035 post-1035 post type-post status-publish format-standard has-post-thumbnail hentry category-homeowners\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-8ab549c e-flex e-con-boxed e-con e-parent\" data-id=\"8ab549c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" href=\"https:\/\/structure.virtualgx.com\/fr\/finishing-a-self-funded-buildwithout-a-construction-loan\/\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<h2 data-interaction-id=\"acaa6da\" class=\"miniTitre e-heading-base\" data-e-type=\"widget\" data-id=\"acaa6da\">Scenario no. 04<\/h2>\n\t\t\t\t<div class=\"elementor-element elementor-element-640bfe1 elementor-widget__width-initial elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"640bfe1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Finishing a self-funded build without a construction loan.<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74c0cdb elementor-widget__width-initial elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"74c0cdb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t\tA homeowner building his own primary residence ran short partway through. The\nconventional answer was an expensive private construction mortgage. The actual\nanswer was financing the land itself.\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0982712 elementor-absolute elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"0982712\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fal fa-arrow-circle-right\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-487a9b0 e-con e-atomic-element e-flexbox-base e-487a9b0-a2f4783 section \" data-id=\"487a9b0\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"487a9b0\" id=\"professionals\" data-e-type=\"e-flexbox\" data-id=\"487a9b0\">\n    <div class=\"elementor-element elementor-element-5690c03 e-flex e-con-boxed e-con e-parent\" data-id=\"5690c03\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-99f1a74 e-con-full e-flex e-con e-child\" data-id=\"99f1a74\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1087f36 e-con-full e-flex e-con e-child\" data-id=\"1087f36\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<p class=\"miniTitre e-paragraph-base\" data-interaction-id=\"28389ef\" data-e-type=\"widget\" data-id=\"28389ef\">Client type<\/p>\n\t\t\t\t\t<h2 data-interaction-id=\"4370f6b\" class=\"sousTitre e-4370f6b-91e29d3 e-heading-base\" data-e-type=\"widget\" data-id=\"4370f6b\">Self-employed professionals and business owners<\/h2>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9cb20b2 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"9cb20b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1d2c70 elementor-grid-1 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-widget elementor-widget-loop-grid\" data-id=\"c1d2c70\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;template_id&quot;:&quot;1207&quot;,&quot;columns&quot;:1,&quot;_skin&quot;:&quot;post&quot;,&quot;columns_tablet&quot;:&quot;2&quot;,&quot;columns_mobile&quot;:&quot;1&quot;,&quot;edit_handle_selector&quot;:&quot;[data-elementor-type=\\&quot;loop-item\\&quot;]&quot;,&quot;row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"loop-grid.post\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-loop-container elementor-grid\" role=\"list\">\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"1207\" class=\"elementor elementor-1207 e-loop-item e-loop-item-1056 post-1056 post type-post status-publish format-standard has-post-thumbnail hentry category-self-employed-professionals-and-business-owners\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-8ab549c e-flex e-con-boxed e-con e-parent\" data-id=\"8ab549c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" href=\"https:\/\/structure.virtualgx.com\/fr\/restructuring-income-to-qualify-for-a-secondary-property\/\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<h2 data-interaction-id=\"acaa6da\" class=\"miniTitre e-heading-base\" data-e-type=\"widget\" data-id=\"acaa6da\">Scenario no. 05<\/h2>\n\t\t\t\t<div class=\"elementor-element elementor-element-640bfe1 elementor-widget__width-initial elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"640bfe1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Restructuring income to qualify for a secondary property.<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74c0cdb elementor-widget__width-initial elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"74c0cdb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t\tA self-employed plumber whose income had been optimized for tax efficiency in a way that read as unstable to lenders. We made targeted adjustments before year end to qualify cleanly, and built a forward plan to support future borrowing.\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0982712 elementor-absolute elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"0982712\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fal fa-arrow-circle-right\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"1207\" class=\"elementor elementor-1207 e-loop-item e-loop-item-1081 post-1081 post type-post status-publish format-standard has-post-thumbnail hentry category-self-employed-professionals-and-business-owners\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-8ab549c e-flex e-con-boxed e-con e-parent\" data-id=\"8ab549c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" href=\"https:\/\/structure.virtualgx.com\/fr\/qualifying-a-corporation-funded-life-with-the-right-lender\/\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<h2 data-interaction-id=\"acaa6da\" class=\"miniTitre e-heading-base\" data-e-type=\"widget\" data-id=\"acaa6da\">Scenario no. 06<\/h2>\n\t\t\t\t<div class=\"elementor-element elementor-element-640bfe1 elementor-widget__width-initial elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"640bfe1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Qualifying a mortgage when personal income does not reflect actual earnings.<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74c0cdb elementor-widget__width-initial elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"74c0cdb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t\tAn incorporated business owner with strong corporate cash flow but modest\npersonal declared income. An alternative-lender placement structured as a stepping\nstone, with a planned move to conventional pricing later.\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0982712 elementor-absolute elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"0982712\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fal fa-arrow-circle-right\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-1948b07 e-con e-atomic-element e-flexbox-base e-1948b07-70cf940 section \" data-id=\"1948b07\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"1948b07\" id=\"real-estate\" data-e-type=\"e-flexbox\" data-id=\"1948b07\">\n    <div class=\"elementor-element elementor-element-6f04607 e-flex e-con-boxed e-con e-parent\" data-id=\"6f04607\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-fec4286 e-con-full e-flex e-con e-child\" data-id=\"fec4286\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-856cef1 e-con-full e-flex e-con e-child\" data-id=\"856cef1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<p class=\"miniTitre e-paragraph-base\" data-interaction-id=\"40485bc\" data-e-type=\"widget\" data-id=\"40485bc\">Client type<\/p>\n\t\t\t\t\t<h2 data-interaction-id=\"2cd5830\" class=\"sousTitre e-2cd5830-55b8006 e-heading-base\" data-e-type=\"widget\" data-id=\"2cd5830\">Real estate investors<\/h2>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fa85d7 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"8fa85d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dfb4b13 elementor-grid-1 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-widget elementor-widget-loop-grid\" data-id=\"dfb4b13\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;template_id&quot;:&quot;1207&quot;,&quot;columns&quot;:1,&quot;_skin&quot;:&quot;post&quot;,&quot;columns_tablet&quot;:&quot;2&quot;,&quot;columns_mobile&quot;:&quot;1&quot;,&quot;edit_handle_selector&quot;:&quot;[data-elementor-type=\\&quot;loop-item\\&quot;]&quot;,&quot;row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"loop-grid.post\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-loop-container elementor-grid\" role=\"list\">\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"1207\" class=\"elementor elementor-1207 e-loop-item e-loop-item-245 post-245 post type-post status-publish format-standard has-post-thumbnail hentry category-real-estate-investors\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-8ab549c e-flex e-con-boxed e-con e-parent\" data-id=\"8ab549c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" href=\"https:\/\/structure.virtualgx.com\/fr\/refinancing-a-six-unit-property-on-the-residential-side\/\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<h2 data-interaction-id=\"acaa6da\" class=\"miniTitre e-heading-base\" data-e-type=\"widget\" data-id=\"acaa6da\">Scenario no. 07<\/h2>\n\t\t\t\t<div class=\"elementor-element elementor-element-640bfe1 elementor-widget__width-initial elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"640bfe1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Refinancing a six-unit property with residential financing.<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74c0cdb elementor-widget__width-initial elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"74c0cdb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t\tA six unit rental property held in the borrower's personal name that every lender was treating as a commercial file. We placed it with a lender that writes six unit properties as residential mortgages, resulting in significantly better pricing and a qualification structure that worked with the borrower's full financial picture.\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0982712 elementor-absolute elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"0982712\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fal fa-arrow-circle-right\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-391d043 e-con e-atomic-element e-flexbox-base e-391d043-e02c374 section \" data-id=\"391d043\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"391d043\" id=\"business-owners\" data-e-type=\"e-flexbox\" data-id=\"391d043\">\n    <div class=\"elementor-element elementor-element-7dfca0c e-flex e-con-boxed e-con e-parent\" data-id=\"7dfca0c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-273bcd0 e-con-full e-flex e-con e-child\" data-id=\"273bcd0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8bc7782 e-con-full e-flex e-con e-child\" data-id=\"8bc7782\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<p class=\"miniTitre e-paragraph-base\" data-interaction-id=\"824248c\" data-e-type=\"widget\" data-id=\"824248c\">Client type<\/p>\n\t\t\t\t\t<h2 data-interaction-id=\"e71c5e3\" class=\"sousTitre e-e71c5e3-b97c15b e-heading-base\" data-e-type=\"widget\" data-id=\"e71c5e3\">Business owners financing commercial property<\/h2>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c5ff505 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"c5ff505\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36a1cdf elementor-grid-1 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-widget elementor-widget-loop-grid\" data-id=\"36a1cdf\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;template_id&quot;:&quot;1207&quot;,&quot;columns&quot;:1,&quot;_skin&quot;:&quot;post&quot;,&quot;columns_tablet&quot;:&quot;2&quot;,&quot;columns_mobile&quot;:&quot;1&quot;,&quot;edit_handle_selector&quot;:&quot;[data-elementor-type=\\&quot;loop-item\\&quot;]&quot;,&quot;row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"loop-grid.post\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-loop-container elementor-grid\" role=\"list\">\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"1207\" class=\"elementor elementor-1207 e-loop-item e-loop-item-247 post-247 post type-post status-publish format-standard has-post-thumbnail hentry category-business-owners-financing-commercial-property\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-8ab549c e-flex e-con-boxed e-con e-parent\" data-id=\"8ab549c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" href=\"https:\/\/structure.virtualgx.com\/fr\/buying-the-building-the-business-already-runs-out-of\/\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<h2 data-interaction-id=\"acaa6da\" class=\"miniTitre e-heading-base\" data-e-type=\"widget\" data-id=\"acaa6da\">Scenario no. 08<\/h2>\n\t\t\t\t<div class=\"elementor-element elementor-element-640bfe1 elementor-widget__width-initial elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"640bfe1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Buying the building the business already operates from.<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74c0cdb elementor-widget__width-initial elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"74c0cdb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t\tA business owner trying to buy the commercial property their company operated out of. Weeks of stalled conversations at their business bank produced nothing. We structured the commercial mortgage file properly, brought it to the right lenders, and closed it on time.\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0982712 elementor-absolute elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"0982712\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fal fa-arrow-circle-right\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-d425d1a e-con e-atomic-element e-flexbox-base e-d425d1a-158419b section \" data-id=\"d425d1a\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"d425d1a\" id=\"life-event\" data-e-type=\"e-flexbox\" data-id=\"d425d1a\">\n    <div class=\"elementor-element elementor-element-9322088 e-flex e-con-boxed e-con e-parent\" data-id=\"9322088\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-086a279 e-con-full e-flex e-con e-child\" data-id=\"086a279\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2d0daa6 e-con-full e-flex e-con e-child\" data-id=\"2d0daa6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<p class=\"miniTitre e-paragraph-base\" data-interaction-id=\"fbb229f\" data-e-type=\"widget\" data-id=\"fbb229f\">Client type<\/p>\n\t\t\t\t\t<h2 data-interaction-id=\"ff6ffc6\" class=\"sousTitre e-ff6ffc6-4b69d52 e-heading-base\" data-e-type=\"widget\" data-id=\"ff6ffc6\">Clients experiencing a life-changing event<\/h2>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-055b22d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"055b22d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44d1b84 elementor-grid-1 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-widget elementor-widget-loop-grid\" data-id=\"44d1b84\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;template_id&quot;:&quot;1207&quot;,&quot;columns&quot;:1,&quot;_skin&quot;:&quot;post&quot;,&quot;columns_tablet&quot;:&quot;2&quot;,&quot;columns_mobile&quot;:&quot;1&quot;,&quot;edit_handle_selector&quot;:&quot;[data-elementor-type=\\&quot;loop-item\\&quot;]&quot;,&quot;row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"loop-grid.post\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-loop-container elementor-grid\" role=\"list\">\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"1207\" class=\"elementor elementor-1207 e-loop-item e-loop-item-1144 post-1144 post type-post status-publish format-standard has-post-thumbnail hentry category-clients-experiencing-a-life-changing-event\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-8ab549c e-flex e-con-boxed e-con e-parent\" data-id=\"8ab549c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" href=\"https:\/\/structure.virtualgx.com\/fr\/restructuring-a-mortgage-during-divorce-settlement\/\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<h2 data-interaction-id=\"acaa6da\" class=\"miniTitre e-heading-base\" data-e-type=\"widget\" data-id=\"acaa6da\">Scenario no. 09<\/h2>\n\t\t\t\t<div class=\"elementor-element elementor-element-640bfe1 elementor-widget__width-initial elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"640bfe1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Restructuring a mortgage during divorce settlement.<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74c0cdb elementor-widget__width-initial elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"74c0cdb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t\tA client going through a divorce was told they needed a twenty percent down payment to buy out their former partner. We requalified them under an insured mortgage program designed specifically for separation and divorce. They kept the family home, settled the debt, and kept their kids in their school.\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0982712 elementor-absolute elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"0982712\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fal fa-arrow-circle-right\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"1207\" class=\"elementor elementor-1207 e-loop-item e-loop-item-1102 post-1102 post type-post status-publish format-standard has-post-thumbnail hentry category-clients-experiencing-a-life-changing-event\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-8ab549c e-flex e-con-boxed e-con e-parent\" data-id=\"8ab549c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" href=\"https:\/\/structure.virtualgx.com\/fr\/using-an-intergenerational-purchase-to-restructure-the-whole-picture\/\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<h2 data-interaction-id=\"acaa6da\" class=\"miniTitre e-heading-base\" data-e-type=\"widget\" data-id=\"acaa6da\">Scenario no. 10<\/h2>\n\t\t\t\t<div class=\"elementor-element elementor-element-640bfe1 elementor-widget__width-initial elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"640bfe1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Buying a family member&#8217;s home below market value using gifted equity.<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74c0cdb elementor-widget__width-initial elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"74c0cdb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t\tA buyer purchasing a family home below market value while carrying personal debt. We reframed the transaction as a gifted equity mortgage, used the equity to pay off the outstanding debt, and kept the family transfer clean.\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0982712 elementor-absolute elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"0982712\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fal fa-arrow-circle-right\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>The work in practice. Mortgage work gets interesting when the situation does not fit the standard approach. The files below are examples of that kind of work, and what it actually looks like to work through them properly. If something here looks familiar, or if your situation feels more complex in ways you haven&#8217;t been [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-435","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Real Mortgage Scenarios | Structure Mortgage<\/title>\n<meta name=\"description\" content=\"Ten real mortgage case studies covering first time buyers, self-employed clients, co-signers, divorce and commercial financing. Structure Mortgage, the work in practice.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Real Mortgage Scenarios | Structure Mortgage\" \/>\n<meta property=\"og:description\" content=\"Ten real mortgage case studies covering first time buyers, self-employed clients, co-signers, divorce and commercial financing. Structure Mortgage, the work in practice.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/structure.virtualgx.com\/fr\/situations-reelles\/\" \/>\n<meta property=\"og:site_name\" content=\"Structure Mortgage \/ Hypoth\u00e9caire\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-14T15:01:57+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/structure.virtualgx.com\/wp-content\/uploads\/elementor\/thumbs\/19919-rr81whhc9p7jjyujsbx0ilt1dkjid42hgw85slj71s.webp\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Estimation du temps de lecture\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/structure.virtualgx.com\\\/real-situations\\\/\",\"url\":\"https:\\\/\\\/structure.virtualgx.com\\\/real-situations\\\/\",\"name\":\"Real Mortgage Scenarios | Structure Mortgage\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/structure.virtualgx.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/structure.virtualgx.com\\\/real-situations\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/structure.virtualgx.com\\\/real-situations\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/structure.virtualgx.com\\\/wp-content\\\/uploads\\\/elementor\\\/thumbs\\\/19919-rr81whhc9p7jjyujsbx0ilt1dkjid42hgw85slj71s.webp\",\"datePublished\":\"2026-07-27T20:36:12+00:00\",\"dateModified\":\"2026-09-14T15:01:57+00:00\",\"description\":\"Ten real mortgage case studies covering first time buyers, self-employed clients, co-signers, divorce and commercial financing. 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