While a borrower’s lack of up-to-date personal financial information would negate or at least delay approval for an institutional mortgage, it should have no effect on the ability to obtain a loan from Arres.  Private mortgage lenders generally base their decisions on the asset used for collateral – the property.  If the property value is high enough and the income being generated from it is sufficient to pay the interest on the debt (if applicable), the borrower’s personal financial situation should not affect the private mortgage lender’s decision.