David A. Krebs

About David A. Krebs

He had $7M in the bank and was still denied.That’s the kind of borrower I help every day.I’m David A. Krebs, Principal Broker at DAK Mortgage, specializing in high-net-worth, foreign national, and self-employed borrowers who don’t fit the bank’s “perfect box”, yet still deserve fast, seamless closings.Who I Serve • High-Net-Worth Buyers – Jumbo, Super Jumbo, and Asset Depletion loans for luxury residential & investment properties. • Foreign Nationals – Funding without U.S. credit, tax returns, or residency, including non-warrantable condos and cross-collateral structures. • Self-Employed Professionals – Bank statement, 1099, and P&L-based income solutions when tax returns don’t tell the full story.Why Clients Come to Me • Denied by private bank, institutional lender, or credit union. • Complex income streams, high DTI, or reliance on rental income. • Need for CPA letters, asset-based lending, or bridge financing.Loan Programs I Structure • DSCR & No-Ratio Mortgages • Asset Depletion & CPA-Letter Loans • Foreign National Programs (including DSCR + bridge) • Super Jumbo & Non-Warrantable Condo Financing • Commercial Bridge, Mixed-Use, and Investor PortfoliosProven Results • $8.2M non‑warrantable condo (Longboat Key) – Closed after two banks declined. • $7.25M purchase (Malibu, CA) – – W2 borrower seeking highest leverage; beat out another broker & two major banks to deliver superior terms & close. • $6.6M high‑DTI purchase (Palm Beach) – Departing residence unsold; closed after private bank declined. • $5.75M self-employed jumbo (Pinecrest, 65% LTV) – Closed in under three weeks. • $4.96M super‑jumbo purchase (Laguna Beach, 80% LTV) – Closed in 15 business days after client was capped by bank.Metrics That Matter: • 95%+ approval rate on non-traditional loans. • Average close time: under 21 days for complex jumbo/non-QM deals.Let’s ConnectIf your loan doesn’t fit the bank’s box, it might just need a better structure. Let’s talk through it. Book a call: calendly.com/davidakrebs Free guide: davidakrebs.com/download-your-free-guide See what our clients say:[https://share.google/XUvKea4kVnM3hwivZ]

Experience

1. Principal Broker in Miami (Nmls

   Dak Mortgage Nmls 1922428

   Apr 2017 — Present · Miami, FL, US

   I lead complex loan structuring for residential, investment, and commercial properties in Florida and select U.S. luxury markets. I work directly with borrowers, real estate agents, and wealth advisors to design financing strategies that close - fast.Specialties: • High-Net-Worth Lending (Asset Depletion, Super Jumbo) • Foreign National & CPA-Letter Programs • Self-Employed Borrower Solutions (Bank Statement, 1099, P&L) • DSCR & No-Ratio Products • Commercial Bridge & Investor Portfolio FinancingI lead every deal from consultation to closing, building custom strategies around income type, credit profile, and property type. Whether it’s bank statements, CPA letters, cross-collateral, or asset-based lending, I structure loans that actually get funded. Loan Programs I Structure: • DSCR & No-Ratio Loans • Bank Statement, 1099, and P&L-Based Income Programs • Foreign National & CPA-Letter Financing • Super Jumbo & Non-Warrantable Condo Solutions • Commercial Bridge, Mixed-Use, and Investor Portfolios Recent Closings Include: • $8.2M Longboat Key non-warrantable condo (75% LTV) → Closed after two bank declines. • $7.25M Malibu purchase (80% LTV) → W-2 borrower seeking highest leverage; beat another broker & two major banks. • $6.6M high-DTI investor purchase Palm Beach (65% LTV) → Departing residence unsold; closed after private bank declined. • $5.75M Pinecrest self-employed jumbo (65% LTV) → Closed in under three weeks. • $4.96M Laguna Beach super-jumbo (80% LTV) → Only one appraisal; closed in 15 business days. Why Clients Choose DAK: • Personalized strategy from day one • Fast closings and deal-specific guidance for luxury properties in Miami, South Florida, and select U.S. coastal markets. • Deep knowledge of non-traditional loan products • 20+ years in lending across residential, commercial, and private markets See verified client reviews: https://share.google/XUvKea4kVnM3hwivZ

Education

• Mars Hill University

  Bachelors of Science, Business Administration

  1997 — 1999

Skills

• Valuation
• Leadership
• Distressed Debt
• Mortgage Lending
• Underwriting
• Financial Analysis
• Mortgage Underwriting
• Credit Risk
• Investments
• Real Estate
• Negotiation
• Structured Finance
• Due Diligence
• Credit
• Commercial Real Estate
• Investment Properties
• Asset Managment
• Loan Servicing
• Surveillance
• Financial Structuring
• Loan Origination
• Loan Modifications
• Portfolio Management
• Loans
• Cmbs
• Loss Mitigation
• Loan Structuring
• Commercial Mortgages
• Credit Rating
• Credit Analysis
• Finance
• Reo
• Asset Management