My name is Josh Mettle. I’m one of the co-creators and founders of NEO Home Loans.
I’m a serial entrepreneur, which basically means I have a severe case of ADHD and am completely unemployable. Honestly, if I came to work for any of you, you’d probably fire me within the first day.
Why I Care About This Problem
I’ve never liked paying taxes. I was told the IRS isn’t your enemy, but I can’t say I think of them as a friend either. In fact, on the back of my laptop, I have a sticker that says No IRS. It’s my daily reminder to get up, work hard, and not pay a penny more in taxes than I absolutely have to.
Every year, I file over 30 tax returns. Between real estate, mortgage, private lending, and insurance, my finances are… let’s just say, complicated. If you stacked all my returns, they’d be about the size of a Shetland pony. And unless you scored 1550 on the SAT, good luck figuring them out.
My bank accounts don’t look much better. They resemble a drunk guy bouncing around a pinball machine, money flying everywhere. I can’t stand letting money sit in an account earning 1% when credit card companies are charging 22%. Like Robert Kiyosaki taught me, put dollars to work.
The Entrepreneur’s Struggle with Mortgages
Now, let’s play a game. Imagine you’re a mortgage underwriter. Your job is risk mitigation, approving safe loans and declining risky ones.
You come into the office with your caramel macchiato, open my loan application, and see:
- A mountain of confusing tax returns
- Bank statements that don’t add up
- A college dropout with a C+ GPA
Would you approve my loan? Of course not. And that’s exactly what happened to me, again and again.
Even though I had a strong net worth and plenty of cash flow, traditional underwriters declined me for primary residences, investment properties, and even for pulling equity from real estate I already owned. My financial picture made sense to me, but not to the W-2 world of underwriting.
So, what do entrepreneurs do when we hit walls like that? We create solutions.
Why We Started NEO’s Entrepreneur Loan Programs
We realized this wasn’t just my problem, it’s a huge problem. Consider these stats:
- 82% of businesses fail due to cash flow issues
- 29% of startups fail simply because they run out of money
- 90% of small business owners say a lack of capital holds them back
- 3 in 10 may not survive the next 3 months without additional funding
The entrepreneur journey is feast or famine. One year you’re on top of the world, the next you’re fighting to keep the lights on. And without access to liquidity, opportunities vanish, competitors move faster, and stress skyrockets.
Traditional banks can’t help because of regulations like the Dodd-Frank Act (2010), which made it illegal to make loans without proving ability to repay. That sounds great in theory, but in practice, it left entrepreneurs stuck.
That’s why we built entrepreneur home loan programs and capital lines of credit designed specifically for self-employed borrowers.
How Our Programs Work
Here’s what makes them different:
- No tax returns required – qualify with bank statements or income from investment properties
- High leverage – access up to 90–95% of your property’s value with loan amounts up to $750,000
- Fast approvals – we cut out the endless “financial escapades” and give you quick decisions
- Flexible use – invest, expand, renovate, eliminate debt, or simply create cushion for the feast-or-famine cycle
We even offer renovation loans based on the future value of your home. That means if banks told you “no” because you wanted to renovate, we can qualify you based on what the home will be worth after improvements.
Why Homeowner Entrepreneurs Have an Advantage
Since 1991, U.S. real estate has appreciated by more than 300% on average. For many entrepreneurs, that means a significant amount of wealth is tied up in their homes and investment properties.
The challenge is accessing that equity. Traditional banks often make it difficult or even impossible without forcing you into outdated underwriting requirements or selling off valuable assets.
That’s exactly where our programs come in. We help homeowner entrepreneurs unlock the equity they’ve built so they can put it to work for their businesses, pay down debt, or seize new opportunities.
What You Can Do with Access to Capital
When you free up the equity in your home or investment property, you can:
- Open a new location or launch a product
- Acquire or renovate properties
- Eliminate high-interest debt
- Smooth out business cycles
- Scale faster with confidence
Why Choose NEO
NEO Home Loans was founded by entrepreneurs, for entrepreneurs. We understand how your financials work because we’ve lived it.
While traditional banks stop at W-2 income and tax returns, we dig deeper to understand the real financial picture, your assets, cash flow, and business strategy. Our mission is to help you access capital quickly, strategically, and without the pain of outdated banking systems.
So, if you’ve ever been told “no” by a bank, NEO says yes.
Ready to explore how much capital you could unlock? Schedule a call with our team or fill out the form below to qualify in minutes!
