A direct lender founded on one idea: real income doesn't always look like a W-2, and your financing shouldn't require pretending it does.
AmeriFirst Capital was founded by Rajiv "RJ" Vora, who has spent more than 15 years in mortgage lending, including time at American Financial Network, before starting AmeriFirst to build the lender he wished existed for his own investor and self-employed clients.
Too many good borrowers — real estate investors, business owners, commissioned professionals — were getting turned away by lenders built only for W-2 employees. RJ built AmeriFirst as a direct retail lender specializing in DSCR and Non-QM financing, while still offering the full range of Conventional, FHA, VA, USDA and Jumbo programs for borrowers who want a standard path.
The result is a lender that underwrites around how you actually get paid — not around a form that was never built with you in mind.
In-house underwriting, no broker delays.
We tell you what actually qualifies, early.
Cash flow and bank statements over rigid formulas.
With borrowers and the agents who refer them.
Conventional, FHA, VA, USDA & Jumbo — NMLS #1518537
Business-purpose loans — individual MLO licensing not required in:
DSCR loans are business-purpose, non-consumer transactions. Individual MLO licensing exemptions vary by state and are subject to change; company-level registration or licensing may still apply. This is not legal guidance — confirm current requirements for your state before relying on this list.