The Tricky File

Turn Deposits into Deals: Mastering Bank Statement Loans (2026)

Yvette Misek of 5th Street Capital breaks down bank statement loans in 2026—how lenders use 12 or 24 months of bank statements and an expense factor to qualify self‑employed borrowers when tax returns don’t tell the full story. She covers program basics (credit scores, LTVs, DTI), common red flags that kill files, a real case study that closed in 22 days, and actionable pro tips to clean statements, document large deposits, and shop lenders for better expense factors. Listen for practical steps to turn tricky, self‑employed files into funded deals and instructions for sending Yvette your own tricky files.

From Expo Floor to Closed Loans: Creative Fixes for Tough Mortgage Files

Welcome to the first episode of the Tricky File podcast with host Yvette Mieschek of Fifth Street Capital. This episode introduces the show's mission: helping mortgage professionals solve complicated, unusual, and last‑minute loan scenarios using creativity, experience, and the right investor structure. Yvette shares highlights from the California Mortgage Expo, talks through common tricky file types (DSCR, bank‑statement, ITIN, P&L, unique properties), and invites brokers and loan officers to submit challenging deals, connect at upcoming events like NAMB, and subscribe for more real‑world mortgage solutions.