Buy a Home in Niceville, Shalimar & Fort Walton Beach with Side Hustle Income
Banks Don’t Respect Your Creator Income—But Rob Benson Does
You’ve put in the work—posting, creating, building a side hustle. Maybe it’s TikTok, Instagram, YouTube, or a mix of everything. And yet, when you try to buy a home in Niceville, Shalimar, or Fort Walton Beach, the big banks look at you like you’re speaking another language.
“Two years of tax returns or it doesn’t count.”
That ends today. We found the guy who’s rewriting the rules: Rob Benson with Legacy Mutual Mortgage. He’s turning “sorry, can’t count that income” into “let’s get you the keys.”
This isn’t theory. This is the Influencer Loan—a one-of-a-kind program built for the modern economy.
Key Takeaways
✅ Use your side hustle or influencer income to buy a home.
✅ Only Legacy Mutual Mortgage offers this loan.
✅ 12 months of bank statements—no tax returns.
✅ Available for primary homes, second homes, and investments.
✅ Perfect for buyers in Niceville, Shalimar, and Fort Walton Beach.
What Is the Influencer Loan?
Rob Benson’s Influencer Loan is a proprietary mortgage program from Legacy Mutual Mortgage. It’s designed for buyers who have both standard W-2 income and documented side hustle income.
Program Snapshot:
Property Type: Primary, second home, or investment
Down Payment: 10% minimum
Credit Score: 620+
Income Requirements:
Standard W-2 income
Documented side hustle income (12 months of consistent bank deposits)
No tax returns required for side hustle income
In a market where every dollar matters, this program can be the difference between renting and owning.
Local Example: How It Works
Let’s say you live in Shalimar, work full-time at Eglin Air Force Base, and run a growing YouTube channel that’s pulling in $1,500 a month.
With a traditional lender? That income wouldn’t count for two years.
With Rob Benson’s Influencer Loan? Twelve months of bank deposits and you’re qualified.
This is exactly how buyers in Niceville, Shalimar, and Fort Walton Beach are turning their side hustle into homeownership.
Why Traditional Lenders Say “No”
The old system wasn’t built for today’s economy. Traditional lenders want:
Two years of tax returns for non-W-2 income
Profit-and-loss statements
CPA letters
If you’re making legit money as a creator or side hustler, they still won’t count it—because they’re stuck in 1998.
Rob Benson isn’t.
Rob Benson’s Unique Approach
Rob doesn’t just close loans—he opens doors for buyers who’ve been told “no” everywhere else. By combining your W-2 income with your documented side hustle deposits, he gets deals done that other lenders can’t even write.
If you’ve got the income, Rob’s got the program.
FAQ: Influencer Loan in Niceville, Shalimar & Fort Walton Beach
Can I buy a house in Shalimar if I make money on TikTok?
Yes. If you can document 12 months of deposits, Rob can help you use that income to qualify.
How do I prove my side hustle income in Fort Walton Beach?
Simple: 12 months of bank statements showing consistent deposits. No tax returns needed.
Is this loan available in Niceville?
Absolutely. Rob Benson and his team can help across the Emerald Coast.
What credit score do I need for the Influencer Loan?
620 or higher is required.
Checklist: What to Prepare
12 months of bank statements showing side hustle deposits
Proof of W-2 income
Credit score of 620+
Minimum 10% down payment
Conclusion: Your Income Is Real—It’s Time a Lender Treated It That Way
If you’re in Niceville, Shalimar, or Fort Walton Beach and ready to buy, your side hustle income should work for you—not against you. Rob Benson at Legacy Mutual Mortgage has the only loan program built for this moment.
Call or text Rob Benson at (850) 860-2090 or click here to text him and start the conversation today.
