šŸ“˜ Autographed Collector's Edition – Direct from the Author - CRE Book

What if your next commercial real estate deal could change your life—but no one ever taught you how to make it happen?

The Commercial Real Estate Playbook: Lessons From the Fieldis your behind-the-scenes guide to the strategies, mistakes, and mindset shifts that truly matter in today’s CRE world. Written by veteran broker and financing expert Bill Rapp, this book shares the real-world lessons he learned over a decade in the trenches—now available as an exclusive signed copy straight from the author.

Inside this special edition, you’ll discover:

āœ… What separates winning deals from disasters

āœ… How to confidently transition from residential to commercial real estate

āœ… The psychology of reading people and closing with confidence

āœ… Financing tips and creative capital strategies across all asset classes

āœ… How to build a team, scale your business, and lead through uncertain times

Whether you're an investor, broker, small business owner, or just breaking into the commercial space, this no-fluff guide delivers the real talk—and real tools—you won’t find in a classroom.

Start building your CRE legacy with insights that actually work—and get your hands on a personally autographed copy today.

šŸ” Autographed Collector's Edition – Direct from the Author - Residential Book

Buying your first home doesn’t have to be overwhelming—especially when you have a proven, step-by-step roadmap signed by the expert himself.

The Smart Guide to Buying Your First Home

is your friendly, no-nonsense companion through every stage of the homebuying process. Written by trusted
mortgage broker and real estate advisor Bill J. Rapp Jr.

, this autographed copy


offers not just practical advice, but peace of mind—straight from someone who’s helped hundreds of families navigate their first purchase.

Inside this signed special edition, you’ll
learn:

Ā·         🧠 How credit scores
impact your loan—and how to fix yours fast

Ā·         šŸ¦What lenders really want to see and how to get pre-approved like a pro

Ā·         šŸ’øBudgeting truths, hidden fees, and the myth of ā€œ$0 downā€

Ā·         šŸ› ļøThe importance of building a dream team—agent, lender, and inspector

Ā·         šŸ“What to expect during inspections, appraisals, and closing, plšŸ‡ŗšŸ‡ø Bonus content for VA borrowers, including how to get your COE and maximize your benefits

Every chapter includes clear action steps, checklists, and insider tips to help you stay organized, informed, and
empowered.

Whether you're buying solo, with a partner, or
for your growing family, this personally signed copy

is more than just a how-to guide—it’s your coach, mentor, and trusted friend for the journey ahead.

Order now to get a signed edition shipped directly from the author—and take the first confident step toward homeownership.

The Commercial Real Estate Playbook: Lessons From the Field:

"Blueprints for Success in Commercial Deals, Lending & Leadership"


What if your next commercial real estate deal could change your life—but no one ever taught you how to make it happen?

In
The Commercial Real Estate Playbook: Lessons From the Field, seasoned broker and finance expert
Bill Rapp
pulls back the curtain on the real-world strategies, pitfalls, and breakthrough moments that shaped his career—and the careers of countless clients and professionals he’s served.

From structuring your first deal and building your personal brand, to overcoming financing roadblocks and surviving market downturns, this no-fluff guide is packed with firsthand stories, actionable insights, and field-tested tools to help you thrive in today’s complex CRE landscape.

Whether you're an aspiring broker, active investor, small business owner, or someone looking to understand the lending side of real estate, this book offers a front-row seat to lessons that aren’t taught in classrooms—but can make or break your success.

Inside you’ll discover:

What separates successful deals from failed onesHow to transition from residential to commercial with confidenceThe art of reading people and closing like a proSmart financing tactics for every asset class—from retail to multifamilyHow to scale your business, lead a team, and future-proof your career

If you're ready to stop guessing and start building a legacy in commercial real estate, this playbook will be your trusted guide.

The Smart Guide to Buying Your First Home!

"From Credit Scores to Closing Day"


Buying your first home doesn’t have to be overwhelming — not when you have a proven roadmap in your hands.The Smart Guide to Buying Your First Home


is a friendly, practical, and down-to-earth companion for anyone ready to turn the dream of homeownership into a reality. Whether you're just starting to think about buying, already browsing listings, or preparing to make an offer, this guide breaks it all down — step-by-step — in language that makes sense.Written by seasoned mortgage broker and real estate advisor
Bill J Rapp Jr, this guide covers everything you need to know, including:

How your credit score affects your mortgage (and how to fix it fast)What lenders arereallylooking for — and how to get pre-approved like a proBudgeting tips, hidden costs, and why ā€œ$0 downā€ doesn’t mean ā€œfreeā€How to build your dream team and search with strategyThe real-deal guide to inspections, appraisals, and closing dayBonus insights forveterans using VA loans— including how to get your COE, debunking common VA myths, and planning for future moves or refinancing

Plus, you’ll find action steps, checklists, and practical tips in every chapter — making it easy to stay organized, empowered, and confident throughout the process.Whether you’re buying solo, with a partner, or as a growing family, this book will help you make smart decisions and avoid costly mistakes.


It’s more than a how-to manual — it’s a trusted guide, mentor, and coach all in one.Homeownership is a journey — not a race. Let’s take that first step together. šŸ”

ABOUT AUTHOR

Bill Rapp


Bill Rapp is a seasoned commercial real estate broker and finance expert with over a decade of experience helping clients navigate complex property transactions and capital solutions. Based in Houston, Texas, Bill specializes in investment sales, acquisitions, and commercial financing strategies tailored to meet the needs of investors, developers, and business owners. He brings a
unique blend of market insight, negotiation skills, and financial acumen to every deal, consistently delivering value and growth opportunities for his clients. With a deep knowledge of the Houston and Greater Texas markets, Bill
is committed to building long-term relationships and helping clients make smart, strategic decisions in today’s ever-evolving real estate landscape. When
he’s not closing deals or analyzing the next big opportunity, Bill enjoys time with family, outdoor adventures, and giving back to the local community through mentorship and service.If you’d like, I can help write or edit these based on
the book content we’ve built so far.

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šŸ’¼ Mortgage Tips for 1099 Real Estate Professionals šŸ“Š

🧾 How Real Estate Agents Use 1099s to Qualify for Mortgages šŸ”

May 23, 2025•2 min read

🧾 How Real Estate Agents Use 1099s to Qualify for Mortgages šŸ”

šŸ’¼ Mortgage Tips for 1099 Real Estate Professionals šŸ“Š


🧾 How Real Estate Professionals Can Use 1099s for Mortgage Approval

If you're a real estate agent or broker earning commission income, you've probably run into challenges when trying to qualify for a mortgage. Traditional W-2 income is easy for lenders to verify, but 1099 income? That’s a different story. However, with the right strategy and documentation, 1099 income can absolutely be used to secure mortgage approval.

Here’s how real estate professionals can leverage 1099s to buy or refinance a home.


šŸ“Œ What Is 1099 Income?

Form 1099-MISC or 1099-NEC is issued to independent contractors, freelancers, and self-employed professionals—including real estate agents. It summarizes the total earnings from commissions and non-employee compensation over the year. Lenders view this type of income differently than salaried income, often requiring more documentation to verify stability and consistency.


šŸ¦ Can You Qualify for a Mortgage with 1099 Income?

Yes—here’s how:
Mortgage lenders look for consistent and verifiable income. If you’ve been self-employed as a real estate professional for at least 2 years, your 1099 income can be used to qualify for most mortgage products, including conventional, FHA, and bank statement loans.


šŸ“ Key Documents You’ll Need

To strengthen your mortgage application as a 1099 earner, gather the following:

  • Two years of 1099 forms

  • Two years of personal and business tax returns (with all schedules)

  • Year-to-date profit & loss (P&L) statement

  • Bank statements (to verify income deposits)

Lenders want to ensure your income is stable and likely to continue. If you've only been in business for 1 year, alternative documentation options may still be available through bank statement or non-QM loans.


šŸ’” Bank Statement & Non-QM Options

Many real estate professionals benefit from bank statement loans, which use 12 to 24 months of business or personal bank deposits to calculate income—no tax returns required. This is especially useful if you write off a lot of business expenses and show low net income on paper.


šŸ›  Pro Tips to Strengthen Your Approval Odds

  • Separate your business and personal accounts to clearly show income.

  • Minimize write-offs in the years leading up to your home purchase if planning to use tax returns.

  • Keep your records organized and up to date—a solid P&L can make a big difference.

  • Partner with a mortgage broker who understands self-employed income and has access to flexible programs.


šŸŽÆ Final Thoughts

Real estate agents help others buy homes every day—why should qualifying for your own mortgage be harder? With strategic preparation and the right loan product, your 1099 income can open doors to homeownership or refinancing. Whether you’re looking to buy your dream home or cash-out refi for a new investment, a knowledgeable mortgage broker can guide you through the process.


https://www.billrapponline.com/

https://findamortgagebroker.com/Profile/WilliamRappJr28883

https://billrapp.commloan.com/

https://billrapponline.com/financingfuturescre-houston-katy

https://houstoncommercialmortgage.com/

https://author.billrapponline.com

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https://veteransvideo.billrapponline.com/

https://mortgageviking.billrapponline.com/

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https://renovationvideo.billrapponline.com

https://medallionfunds.com/bill-rapp/

https://www.amazon.com/dp/B0F32Z5BH2


Ā© 2023-2024 Bill Rapp, Medallion Funds LLC, Director of Capital Advisory


mortgage for real estate agents1099 income mortgage approvalbank statement mortgageself-employed mortgage loanscommission income home loanmortgage broker for 1099
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Bill Rapp - Commercial & Residential Mortgage Broker

Whether you're a first-time homebuyer, a seasoned investor, or a business owner with ambitious plans, securing the right financing is crucial. At Medallion Funds, we take the guesswork out of mortgages, offering a comprehensive suite of residential and commercial loan options to fit your unique needs. Looking for Your Dream Home? We understand the excitement and challenges of navigating the residential real estate market. Our experienced mortgage brokers will guide you through every step, from pre-qualification to closing. We offer a variety of loan programs to suit your financial situation, including: • Fixed-rate mortgages: Offering stability with predictable monthly payments. • Adjustable-rate mortgages (ARMs): Providing competitive rates for a set period. • FHA loans: Making homeownership accessible with lower down payments. • VA loans: Rewarding veterans with attractive rates and flexible terms. Investing in Your Business Future? Growth often requires capital, and we can help you unlock the potential of your commercial property. Our brokers specialize in a wide range of commercial loan options, including: • Purchase loans: Financing the acquisition of new buildings or land. • Construction loans: Facilitating the development of your project. • Refinance loans: Restructuring your existing mortgage for better terms. • SBA loans: Providing access to government-backed financing for qualified businesses. The Medallion Funds Difference: We go beyond simply finding a loan. We take the time to understand your goals and develop a personalized strategy. Here's what sets us apart: • Expertise: Our brokers have a deep understanding of both residential and commercial lending. • Competitive Rates: We leverage our strong lender relationships to secure the best possible terms. • Streamlined Process: We handle the paperwork, keeping you informed every step of the way. • Exceptional Service: We're committed to providing you with a positive and stress-free experience. Ready to Take the First Step? Contact Medallion Funds today for a free consultation. Let's discuss your financing needs and help you achieve your dreams!

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