Not Every Borrower Fits the Same Box. We Have Options for That.

Whether you're self-employed, investing in real estate, rebuilding credit, or buying above the conforming limit, there's likely a program that works for your situation.

Three Platforms. One Common Thread.

The programs below are offered through Oaktree Funding Corp. (NMLS #71640), one of the country's leading Non-QM and agency lenders. David Scheuring works directly with Oaktree as a Business Development Manager in Eastern Pennsylvania — when you apply through this link, your file is handled by their licensed origination team from day one.

Four Program Categories. One Application.

Non-QM Loans — Bank statement qualification, asset depletion, and alternative income documentation for self-employed borrowers and those whose tax returns don't tell the full story.

Jumbo Loans — Loan amounts from just above the conforming limit up to $3.5 million, with fixed, adjustable, and interest-only structures available.

Investor Loans — DSCR and portfolio programs that qualify on the property's rental income, not your personal tax returns or employment history.

Agency Loans — Conventional, FHA, and VA programs for borrowers who fit traditional guidelines and want the most straightforward path to approval.

Not Sure Which Program Fits Your Situation?

Every borrower's situation is different. Some qualify easily on bank statements. Others need a DSCR structure based on rental income. Some are buying above the conforming limit and need a jumbo product. Others are first-time buyers who fit a standard FHA or VA program perfectly.

The right starting point is a short conversation. We'll look at your situation, identify which programs make sense, and connect you directly with Oaktree's licensed origination team to move forward.

Start With the Category That Fits You Best

Non-QM Loans

Bank statement and alternative income qualification for self-employed borrowers.

No W-2 required.

Investor Loans.

DSCR loans that qualify on rental income. No personal tax returns or employment verification needed.

Jumbo Loans

Loan amounts up to $3.5 million with fixed, adjustable, and interest-only structures available.

Agency Loans

Conventional, FHA, and VA programs for borrowers who fit traditional guidelines and want the most straightforward path to approval.

Ready to Find the Right Program?

Apply through this link and Oaktree's licensed originators will review your situation and match you to the right program from day one. No obligation. No pressure.

Office: Telford, PA

Call 484-537-7497

Site:

davidscheuring.com

Copyright 2026 . All rights reserved.

David Scheuring | 484-537-7497 | [email protected]

Frequently Asked Questions

Do I need a mortgage license to get started?

No. As a BDM you can complete up to 10 transactions without a license. After that, Oaktree pays for your NMLS originator license.

How does the recruiting income work?

When you recruit agents or loan officers into the program, you earn a percentage of every loan they close — across 7 tiers. The more people in your network, the more your income compounds.

What types of transactions qualify for the $500 fee?

Purchases, refinances, and home equity lines of credit (HELOCs) all qualify for the $500 BDM fee.

Does this program conform to RESPA regulations?

Yes. RESPA restricts payments to third parties for loan referrals — but as a W-2 employee of Oaktree, you're not a third party, you're being paid for services you perform as part of your job. This structure has been allowed for conventional loans for decades, and HUD extended similar allowances to FHA loans in December 2022. Everything is fully disclosed to the borrower.

Why should I become a RELO (Real Estate Loan Officer)?

As a RELO, you're a part-time licensed loan officer who can earn up to 50 basis points per loan — up to $2,500 — instead of the flat $500 BDM fee. Oaktree pays for your license after your first 10 funded loans as a BDM, so the path to RELO status costs you nothing out of pocket. Beyond the higher per-loan payout, RELOs also build revenue share income by referring other BDMs, RELOs, and LOs into the program.

What are the required activities to earn the fee as a Business Development Manager?

BDMs complete six tasks per loan: send the borrower the secure loan application link, help them upload documents through the borrower portal, email the processor to open the loan file, order the inspection, request the appraisal, and request the flood certification. Several of these steps are templated or partially automated to keep the process simple.

What Non-QM products does Oaktree provide funding for?

Oaktree offers a full suite of wholesale Non-QM products, including Non-Agency Advantage, Titanium Advantage, and Platinum Advantage for high-credit borrowers with flexible documentation needs; Cash Flow Advantage and Investor Advantage for real estate investors; Jumbo A+ ARM, Jumbo A+ Fixed, and Super Jumbo for high-balance financing; and HELOC and Equity Advantage products for borrowers looking to leverage home equity.