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    Alanna Avalone

    3.0 (2 reviews)
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    Mortgage services

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    Phil Ganz - Next Wave Mortgage

    Phil Ganz - Next Wave Mortgage

    (60 reviews)

    I couldn't be happier with the experience I had working with Phil Ganz on my DSCR loan for my…read moreAirbnb property! I needed a cash-out refinance on an investment property and Phil made the entire process incredibly smooth, fast, and stress-free. From the very first call, Phil demonstrated deep expertise in DSCR loans, investment property financing, and short-term rental mortgages. He walked me through exactly how the debt service coverage ratio would qualify the property based on its Airbnb income instead of my personal W-2s -- something most traditional lenders won't touch. His knowledge of non-QM lending and cash-out refinance options for real estate investors was exactly what I needed. Phil handled every detail with professionalism and transparency. The application was simple, the communication was constant, and he pushed the file through closing well ahead of schedule. I was able to pull significant equity out of my Airbnb while keeping my personal debt-to-income ratio completely out of the picture. If you're a real estate investor looking for a DSCR loan, Airbnb financing, investment property cash-out refinance, or any non-QM mortgage solution, Phil Ganz is the mortgage broker you want on your side. He's responsive, knowledgeable, and truly delivers results. I've already referred two other investor friends and will continue to do so. Thank you, Phil -- you made a complicated process feel effortless! Highly recommend to anyone needing DSCR loans or investment property financing. 10/10!

    I've worked with Phil multiple times over the course of 7 years and can't recommend him highly…read moreenough. He's a trusted advisor who makes the mortgage process clear and manageable. Phil takes the time to walk through all the options, helps you make informed decisions, and is incredibly responsive and easy to work with. He's flexible, reliable, and always available when you need him -- truly a partner you can count on during an important financial decision!

    Alanna Avalone - mortgagelenders - Updated May 2026

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