Daniel Eguiguren

About

Daniel Eguiguren | NMLS #196437
Partner, Lending Spot
Licensed in Florida
English and Spanish

“I don’t want to waste anyone’s time, not the client’s time, not their money.”

Self Employed and Investor Mortgages in Miami

Daniel Eguiguren is a Partner and mortgage loan officer at Lending Spot, serving Miami Dade and Broward counties from the Pinecrest office. He works in English and Spanish. Much of his recent growth has come from self employed borrowers and real estate investors whose tax returns show lower income after business write offs.

For them he structures bank statement and profit and loss loans, plus DSCR loans that qualify on a property’s rental income, and he still closes conventional and FHA loans for salaried and first time buyers. With access to Lending Spot’s network of more than 100 lenders, he matches each borrower to a lender whose rules fit the file instead of stopping at the first no.

Key Expertise & Loan Programs

Self employed and alternative documentation

• Bank statement loans that qualify on business or personal deposits instead of tax returns
• Profit and loss (P&L) and CPA prepared statement loans for business owners

Investor financing

• DSCR loans (debt service coverage ratio) that qualify on the property’s rental income rather than personal income
• Duplex and small multifamily purchases, including living in one unit and renting the others

Traditional financing

• Conventional loans
• FHA loans
• Refinance
• HELOC to access home equity without replacing the first mortgage

Program availability and qualification depend on the borrower, the property and the individual lender’s guidelines. Not all applicants will qualify.

Who Daniel Works With

• Self employed borrowers and business owners whose tax returns show lower income after write offs
• Real estate investors adding rental properties
• First time buyers weighing a duplex they can live in and rent out
• Move up buyers who already own a home and want a larger one
• Clients referred by the accountants and CPAs he has worked with for more than 20 years

How Daniel Works

Most of Daniel’s clients come from accountants he has worked with for more than 20 years, and from past clients who send their friends and family. What keeps them coming back is the first conversation: he reviews the financials up front and tells the borrower plainly whether the loan can close.

When someone is not ready yet, he says so and builds a plan with them, whether that means how income gets documented, how much to set aside for the down payment, or which price range matches a payment they are comfortable with. He starts from the monthly payment the client wants and works back to the price, not the other way around.

What Clients and Agents Say About Daniel

Read all of Daniel’s client reviews on Google

Reviews are quoted from Google; “…” marks shortened text and punctuation is lightly edited. Each review reflects one person’s experience and is not a guarantee of approval, rate, terms or closing timeline.

Situations Daniel Sees Often

• Same borrower, different lender rules. A self employed professional wants to use business funds toward the down payment. One lender may not allow it, another may. Working across more than 100 lenders is what lets a file like this move to a lender whose rules fit.
• Tax returns or bank statements. A business owner who plans to buy in a couple of years usually has two ways to document income: a standard loan based on tax returns, or a bank statement loan, which typically calls for a larger down payment. Daniel explains early how each path works, so the borrower can plan ahead with their CPA.
• A duplex as the first home. A buyer who purchases a duplex, lives in one unit and rents the other can put that rent toward the mortgage, and the rental history may later help when qualifying for the next home, subject to lender guidelines.

Background

• Partner at Lending Spot, working alongside Diego A Londono and Xavier Perez
• More than 20 years in banking and mortgage lending, starting as a bank teller and personal banker
• Prior mortgage roles at Wells Fargo, PHH Mortgage, New Penn Financial, Caliber Home Loans and American Portfolio Mortgage
• More than $49 million in funded loans across 111 closings at Lending Spot between January 2025 and June 2026

Areas Served

Miami Dade County, including Miami, Hialeah and Homestead, and Broward County, Florida.

Licensing

Daniel Eguiguren, Partner
NMLS #196437
Lending Spot LLC, NMLS #2463121
Florida Mortgage Lender License #MLD2415
9655 S Dixie Hwy Suite 200, Pinecrest, FL 33156
Licensed in Florida
Verify NMLS #196437 on NMLS Consumer Access
Equal Housing Opportunity

Let’s Talk About Your Financing

• Call: (305) 321 8195
• Text or WhatsApp: (305) 459 8494
• Email: daniel@lendingspot.net
• Start an application with Daniel