AUSTIN, TEXAS · servicing MOST STATESAustin’s Non-QM Mortgage Specialist for Complex Real Estate Financing
Sean Condon works with self-employed borrowers, real estate investors, business owners, and high-net-worth clients whose financial situations require more than a bank can offer. If you've been told your income is too complicated or your situation doesn't fit the box, that's exactly what Sean is here for.
FINANCING BUILT AROUND YOUR SITUATION, NOT A BANK’S CHECKLIST
Most lenders work from a checklist. Tax returns, W-2s, debt-to-income ratios calculated the same way for every borrower, regardless of how they actually earn or what they own. For a wide range of qualified, financially strong borrowers, that approach produces the wrong result.
Sean built Condon Capital Group around the gap between what a bank can do and what's actually possible. He works with self-employed borrowers whose tax returns understate their real income, investors who qualify through rental income rather than a paycheck, high-net-worth clients with substantial assets and minimal taxable income, and foreign nationals who need a lender that understands international documentation.
Headquartered in Austin and licensed across 44 states, Sean delivers the program depth of a national lender with the personal attention of someone who answers the phone.
“Their attention to detail and commitment to quality truly stood out. We’ve already recommended them to others.”
— Former CustomerWHAT WE OFFERFINANCING PROGRAMS BUILT FOR COMPLEXITY
Condon Capital Group specializes in transactions that fall outside the conventional lending playbook. From high-balance acquisitions to alternative income qualification, our lending suite is designed for borrowers whose financial profile demands more than a standard solution.
Featured Services:
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Financing above the conforming loan limit for primary residences, second homes, and investment properties. Available with bank statements, asset-based, and full-doc qualification.
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Bank statement loans, DSCR, asset depletion, P&L, and 1099 qualification for borrowers whose income doesn't show up on a W-2. Sean identifies the right program for your specific situation.
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U.S. real estate financing for international buyers and ITIN holders. No U.S. credit history or Social Security number required.
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Investment property financing with title held in an LLC or corporation, combining the legal and tax advantages of entity ownership with competitive financing terms.
Austin Roots · Licensed in 44 States
Sean's practice is based in Austin, and he knows the Texas market well. But his lender network and program access extend to borrowers and properties across 44 states. Whether you're financing in Austin, Houston, Dallas, San Antonio, or outside Texas entirely, Sean has the programs and relationships to get it done.
CLIENTELEWHO SEAN WORKS WITH
Sean's clients share one thing in common: their financial situation doesn't fit the standard mold. That includes those listed here —
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Your financial profile is complex by design. We structure financing that accounts for concentrated assets, multiple income streams, and the discretion your transactions require.
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Your business is your income, and most lenders don't know how to read it. We do. We work with founders and operators to build lending solutions around the full picture of what you've built.
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Whether you're scaling a portfolio or breaking ground on something new, we provide the capital flexibility and transaction speed that serious investors depend on.
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No U.S. credit history required. We specialize in cross-border acquisition financing for international buyers entering the American real estate market — with a process built for your situation, not against it.
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Bank statements. 1099s. Asset depletion. We work with the income you actually have, not the version a W-2 would tell. If your financial picture is non-traditional, you're exactly who we're built for.
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New city, compressed timeline, complex comp structure. We move quickly and structure financing around equity, RSUs, signing bonuses, and relocation packages — so your move stays on schedule.
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From residents to attending physicians, we offer loan programs designed around the realities of medical careers: deferred student debt, training income, and compensation structures that standard underwriting consistently misreads.