Build Lasting Wealth Through Real Estate— One Home at a Time.
“I’m Paul Jang, a Mortgage Loan Originator with NEXA Lending and the creator of 10 Homes Legacy. My mission is to help families use real estate and smart financing to build lasting wealth—one home at a time. The strategy is simple: buy a primary home, acquire rental properties when the numbers make sense, use the equity in those properties to help acquire more, and steadily pay down the portfolio. The goal isn’t to get rich quick—it’s to build a durable real estate portfolio that can create financial stability and be passed down to the next generation.”
Paul Jang
Mortgage Loan Originator · NMLS # 2789212
Meeting You Where You Are To Reach 10 Houses
As a loan officer, my goal is to guide you step-by-step through customized financing vehicles that align with your exact current stage.
Your 1st Home
Stop paying rent. Use low-down-payment FHA (3.5% down), Down Payment Assistance (DPA), or FHA 203k renovation loans to get your foot in the door.
- FHA with 3.5% down
- FHA 203k fixer-upper rehab
- Down Payment Assistance grants
DSCR Rentals
Qualify solely based on the property's rental income. No personal tax returns, no W-2 limitations, no DTI roadblocks. Acquire doors while the numbers make sense.
- No tax returns or W-2s required
- Close in personal or LLC entity
- No limit on financed properties
Equity Utilization
Already own property? Turn accumulated equity into liquid buying power without refinancing your low first mortgage via stand-alone HELOCs or cash-out refi.
- Stand-alone 2nd lien HELOC
- Cash-Out Refinancing
- Fund down payment for next door
Paydown & Legacy
The finish line isn't maxing out debt—it's paying down mortgages with tenant cash flow until you own a durable, freedom-generating portfolio to pass down.
- Snowball / avalanche paydown
- 6-month reserves per door
- Tax-advantaged estate transfer
The Accelerator — BRRRR & Fix-and-Flip
Want to compress the timeline? Buy distressed, Rehab, Rent, Refinance out your capital with DSCR, and Repeat. This hands-on track is only for investors who actively want to accelerate the process and accept more execution risk.
Ask Paul about the AcceleratorPrimary Loan Programs
As an independent loan originator at NEXA Lending, Paul Jang shops 200+ wholesale lenders to match the ideal rate and structure for your profile.
FHA Purchase Loan
Low 3.5% down payment with flexible credit underwriting. Excellent for purchasing single family homes or house-hacking 2-4 unit multi-family properties.
FHA 203(k) Rehab Loan
Roll the cost of home purchase AND necessary repairs/updates into a single mortgage. Qualify based on the future completed After-Repair Value (ARV).
FHA Down Payment Assistance (DPA)
Grants and forgivable second liens covering required down payments and closing fees. Step into homeownership without exhausting savings.
Conventional Mortgages
Best for borrowers with strong credit scores and larger down payments (5% - 20%+). Cancellable private mortgage insurance and competitive rates.
DSCR Rental Property Loans
Qualify solely based on rental income covering the monthly mortgage. No tax return or employment check required. Close in an LLC entity.
HELOC & DSCR Refi
Access home equity via 2nd-lien HELOC to keep your 1st low mortgage rate intact. Re-invest proceeds as down payments on subsequent rental acquisitions.
"I don't just sell mortgages. I structure the balance sheets that allow everyday families to build a generational legacy."
A Practical Strategy for Durable Family Wealth
Too much real estate advice on the internet focuses on reckless leverage or get-rich-quick shortcuts. 10 Homes Legacy is built on the opposite premise: sensible math, prudent financing, and steady execution over time.
Prudent Numbers First
We acquire properties only when the rental numbers make sense and produce positive cash flow to absorb market fluctuations.
Smart Equity Recycling
Instead of saving another 10 years for a down payment, we use responsible HELOCs and equity refinancing to fund subsequent rental doors.
Systematic Debt Paydown
The ultimate finish line isn't maxing out debt—it's paying down mortgages with tenant cash flow so you own a multi-million-dollar portfolio free and clear.
Get Your Personalized Mortgage & 10-Home Plan
Fill out the quick 60-second assessment below. Paul Jang will review your scenario and connect directly with customized financing options.
See Your Mortgage & Legacy Options
Whether buying your 1st home, accessing equity, or scaling rental properties with DSCR, Paul Jang personally structures your financing. No obligation.