Short Pump and Henrico County homebuyers face a real challenge that most mortgage articles never address honestly. When median home prices hover around $520,000–$527,000, as documented by Henrico County Real Estate Assessments, a significant share of purchase scenarios fall outside the rigid guidelines that govern conventional, FHA, VA, and USDA loans sold on the secondary market.
Self-employed borrowers, real estate investors, foreign nationals, buyers with recent credit events, and those purchasing non-warrantable condos or mixed-use properties often hear “no” from retail lenders who can only offer what Fannie Mae and Freddie Mac will buy. The 2026 FHFA conforming loan limit for Henrico County sits at $806,500 baseline — but the issue isn’t loan size. It’s documentation, property type, and borrower profile.
That’s where portfolio mortgage lenders change the game entirely. A portfolio lender keeps the loan on its own books rather than selling it to the secondary market, meaning it writes its own underwriting rules. The CFPB’s Ability-to-Repay and Qualified Mortgage Standards rule explains the regulatory distinction between agency-conforming Qualified Mortgages and the non-QM portfolio products that operate outside those constraints.
As an independent mortgage broker with access to 500+ wholesale lenders, Short Pump Mortgage shops portfolio products across dozens of investors simultaneously — matching each borrower’s specific scenario to the right program. This article covers seven proven strategies for leveraging portfolio mortgage lenders, from DSCR investor loans and bank statement programs to ITIN financing and credit event recovery, so Short Pump and Henrico County buyers who’ve been told “no” can finally hear “yes.”
Written by Duane Buziak, NMLS #1110647 | Coast2Coast Mortgage LLC NMLS #376205 | Short Pump Mortgage
1. Use a DSCR Loan to Qualify on Rental Income — Not Your Tax Returns
The Challenge It Solves
Real estate investors and landlords in Henrico County face a documentation wall that stops many deals cold. Conventional lenders require two years of tax returns, and because investors often write off significant expenses, their taxable income looks far lower than their actual cash flow. A property generating strong rental income gets denied because the tax returns don’t reflect the real financial picture. This is the most common barrier for investors building a rental portfolio in the Short Pump corridor.
The Strategy Explained
A DSCR loan — Debt-Service Coverage Ratio loan — qualifies the borrower based entirely on the property’s cash flow, not personal income documentation. The formula is straightforward: Net Operating Income divided by Total Debt Service. A DSCR of 1.0 means the property’s rental income exactly covers the mortgage payment. Most portfolio investors require a minimum DSCR of 1.0 to 1.25.
No W-2s. No tax returns. No personal income verification. The property qualifies itself. This is a genuine portfolio product that retail lenders like Rocket Mortgage and Movement Mortgage rarely offer with the same flexibility as a wholesale broker shopping multiple investors simultaneously.
Implementation Steps
1. Identify the target property and obtain a market rent analysis or existing lease agreement to document projected or actual rental income.
2. Calculate your DSCR: divide the monthly rental income by the proposed monthly mortgage payment (PITIA — principal, interest, taxes, insurance, and HOA if applicable). Confirm it meets the investor’s minimum threshold.
3. Request a NoTouch Credit Pull soft pull pre-qualification — a soft credit pull mortgage check that identifies your DSCR eligibility without triggering a hard inquiry on your credit file.
4. Submit to the portfolio investor through the wholesale channel, where multiple DSCR investors compete for the loan rather than accepting a single retail bank’s in-house pricing.
Pro Tips
Short-term rental income can sometimes be used with additional documentation, though policies vary by investor. If you’re purchasing near Short Pump Town Center or West Broad Village where furnished rentals command premium rates, ask specifically about STR-friendly DSCR programs. Also consider that DSCR loans are typically structured as non-owner-occupied investment products — your primary residence purchase requires a different program.
2. Qualify with Bank Statements Instead of W-2s or Tax Returns
The Challenge It Solves
Self-employed borrowers, freelancers, and business owners in the Short Pump corridor consistently run into the same wall: two years of tax returns that show aggressive write-offs, resulting in taxable income that doesn’t reflect actual cash flow. A business owner depositing $18,000 per month into their business account may show $60,000 in taxable income after deductions — not enough to qualify for a $527,000 purchase under agency guidelines. The income is real. The documentation method is the problem.
The Strategy Explained
A bank statement loan replaces tax returns with 12 or 24 months of personal or business bank statements. Portfolio investors analyze actual deposits rather than taxable income. Business bank statement programs typically apply an expense ratio — commonly around 50% for sole proprietors, though this varies by investor — to arrive at qualifying income. Personal bank statement programs may use a higher percentage of deposits.
Here is a representative example using real math. Note: This is a hypothetical illustration, not a rate guarantee or loan commitment.
Purchase price: $527,000. Down payment: 20% ($105,400). Loan amount: $421,600. Monthly business bank deposits averaged over 24 months: $18,000. Expense ratio applied at 50%: qualifying income equals $9,000 per month. At a hypothetical 7.5% rate on a 30-year term, the principal and interest payment is approximately $2,950 per month. DTI calculation: $2,950 divided by $9,000 equals 32.8% — well within typical portfolio DTI allowances. A borrower with this profile who was told “no” by a retail lender based on tax returns may qualify comfortably on a bank statement program.
Implementation Steps
1. Gather 12 or 24 months of complete bank statements — all pages, all accounts that will be used for income documentation. Consistency matters: large unexplained deposits can create underwriting questions.
2. Determine whether personal or business statements produce a better qualifying income figure. A broker shopping 500+ investors can run both scenarios simultaneously.
3. Start with a no hard inquiry mortgage pre-approval — the NoTouch Credit Pull soft pull pre-qualification — to confirm which bank statement program and investor fits your deposit history before any hard inquiry appears on your credit report.
4. Compare pricing across multiple portfolio investors through the wholesale channel, not just the single product offered by a retail bank’s in-house portfolio shelf.
Pro Tips
Separating business and personal accounts before applying significantly simplifies the documentation review. If your deposits are commingled, underwriters will ask for a CPA letter explaining the business income. Having clean, consistent statements going back 24 months produces the strongest qualifying income calculation.
3. Leverage ITIN and Foreign National Portfolio Programs
The Challenge It Solves
Borrowers without a Social Security Number — including U.S. residents who file taxes using an IRS-issued Individual Taxpayer Identification Number — and foreign nationals purchasing property near West Broad Village or Short Pump Town Center face a complete dead end at conventional agency channels. Fannie Mae and Freddie Mac require Social Security Numbers. This is not a credit issue or an income issue. It is a documentation category that agency guidelines simply do not accommodate.
The Strategy Explained
Portfolio lenders have developed dedicated ITIN and foreign national loan programs that operate entirely outside agency guidelines. ITIN borrowers are U.S. residents who file taxes with the IRS using an Individual Taxpayer Identification Number rather than a Social Security Number. These borrowers can document income, credit history, and assets — they simply lack the SSN that agency loans require.
Foreign national programs serve buyers who are not U.S. residents or citizens but wish to purchase property in Henrico County. These programs typically require larger down payments — commonly 25% to 30% — significant cash reserves, and alternative credit documentation such as foreign credit reports, bank references, or asset verification. Specific terms vary by portfolio investor, and a broker shopping multiple investors can identify the most competitive structure for each scenario.
Implementation Steps
1. Confirm your documentation category: ITIN borrower (U.S. resident, IRS tax filer with ITIN) versus foreign national (non-U.S. resident). The programs differ significantly in structure and requirements.
2. Assemble alternative credit documentation: foreign credit bureau reports, 12–24 months of bank statements, reference letters from financial institutions, and evidence of any U.S.-based credit accounts.
3. Prepare for a larger down payment requirement. Portfolio investors in these categories typically require 25%–30% down, which on a $520,000 Short Pump purchase means $130,000–$156,000 at closing.
4. Work with a broker who has active relationships with portfolio investors offering ITIN and foreign national products — not a retail bank that may offer only one in-house option at a single price point.
Pro Tips
Foreign national borrowers should document the source of funds carefully. Portfolio investors in this category scrutinize wire transfers and international fund movements closely. Having funds seasoned in a U.S. bank account for 60–90 days before application simplifies the underwriting review considerably.
4. Use Asset Depletion to Turn Savings into Qualifying Income
The Challenge It Solves
Retirees and high-net-worth buyers in Short Pump and Henrico County often face a counterintuitive problem: they have substantial wealth but limited monthly income on paper. A retiree with $1.2 million in investment accounts, a paid-off prior home, and no debt may be told they don’t qualify for a mortgage because their Social Security income alone doesn’t meet the DTI requirement. The wealth is real. The conventional income documentation framework simply doesn’t capture it.
The Strategy Explained
Asset depletion — also called asset dissipation — is a portfolio lending methodology that converts verified liquid assets into a qualifying monthly income figure. The formula divides eligible liquid assets by the remaining loan term in months. This is a genuine, verifiable underwriting approach used by portfolio investors for high-net-worth borrowers with asset-heavy, income-light profiles.
Here is a representative illustration. Note: This is a hypothetical example, not a loan commitment or approval guarantee.
A retiree holds $1,200,000 in verifiable liquid assets — brokerage accounts, savings, and CDs. The loan term is 30 years (360 months). Asset depletion income calculation: $1,200,000 divided by 360 equals $3,333 per month in qualifying income. Purchase price: $520,000. Down payment: 30% ($156,000). Loan amount: $364,000. That $3,333 monthly qualifying income, combined with any Social Security or pension income, may be sufficient to satisfy the portfolio investor’s DTI requirement for this loan size. The borrower never needs to draw down assets — the methodology simply uses assets to establish income eligibility.
Implementation Steps
1. Inventory all eligible liquid assets: checking, savings, brokerage accounts, CDs, and money market funds. Retirement accounts may be eligible at a reduced percentage depending on the investor’s guidelines and the borrower’s age.
2. Obtain current statements — typically two to three months — for all accounts to be used in the calculation. Assets must be verifiable and accessible.
3. Run the asset depletion calculation against the proposed loan amount to confirm the resulting qualifying income meets the portfolio investor’s minimum DTI threshold.
4. Explore non-QM loan programs through the wholesale channel, where multiple portfolio investors offer asset depletion with varying eligibility requirements and pricing.
Pro Tips
Asset depletion works best when combined with other income sources. If the retiree also receives Social Security, pension income, or investment distributions, those are added to the asset depletion figure — improving the qualifying income total and potentially unlocking better pricing tiers from portfolio investors.
5. Secure Financing on Non-Warrantable Condos and Unique Properties
The Challenge It Solves
Condo buyers in Henrico County and the Short Pump area sometimes discover late in the process that their chosen unit is “non-warrantable” — meaning Fannie Mae and Freddie Mac will not purchase the loan. This isn’t a borrower problem. The borrower may have excellent credit, strong income, and a 20% down payment. The condo project itself fails agency approval criteria, and conventional financing evaporates at the last minute. Portfolio lenders are the only viable path forward.
The Strategy Explained
According to the Fannie Mae Selling Guide condo project standards, a condo project becomes non-warrantable when it fails specific criteria: more than 35% of units owned by a single investor, the HOA is involved in active litigation, a high percentage of units are used as short-term rentals, or commercial space exceeds certain thresholds, among other factors. When any of these conditions exist, Fannie and Freddie won’t buy the loan — and most retail lenders won’t originate it.
Portfolio lenders finance non-warrantable condos at their own risk tolerance, setting their own project review standards. They typically charge a rate premium over warrantable condo pricing to reflect the additional risk. But for a buyer who has found the right unit in the right building, that rate premium is often preferable to walking away from the purchase entirely.
Implementation Steps
1. Identify the condo’s warrantability status early — ideally before making an offer. Request the HOA’s master insurance policy, current budget, and litigation status. A broker can run a preliminary project review against portfolio investor criteria.
2. Gather the condo project documents: HOA financials, owner-occupancy ratio, investor concentration data, and any pending litigation disclosure. Portfolio investors will require these for their own project approval process.
3. Request quotes from multiple portfolio investors through the wholesale channel. Non-warrantable condo pricing varies meaningfully across investors, and a broker shopping 500+ lenders can identify the most competitive rate for the specific project.
4. If the property is also a jumbo loan scenario — above the $806,500 FHFA 2026 conforming limit — confirm that the portfolio investor handles both the non-warrantable condo status and the jumbo loan size simultaneously.
Pro Tips
Mixed-use properties — buildings with both residential units and commercial space — face similar agency restrictions. Portfolio lenders are also the primary financing path for live-work units, properties above retail, and buildings with commercial space exceeding agency thresholds. If the property type is unusual in any way, assume portfolio financing and plan accordingly from the start.
6. Rebuild After a Credit Event with a Portfolio Bridge Strategy
The Challenge It Solves
Buyers with a recent bankruptcy, foreclosure, or short sale face mandatory waiting periods under agency guidelines that can feel like a permanent door closing. Fannie Mae and Freddie Mac require waiting periods of two to seven years depending on the event type and chapter. FHA guidelines, detailed in the HUD Single Family Housing Policy Handbook 4000.1, impose their own seasoning requirements. For a buyer who has resolved the underlying financial issue and rebuilt their life, these waiting periods can feel arbitrary and punishing.
The Strategy Explained
Portfolio lenders operate outside agency seasoning requirements entirely. Some portfolio investors offer financing as little as one to two years after a bankruptcy discharge, or with reduced seasoning after a foreclosure or short sale, at adjusted loan-to-value ratios and rate premiums that reflect the elevated risk. The strategy is deliberate: use a portfolio loan to purchase now, then refinance into conventional, FHA, or VA financing once the agency seasoning period expires and the borrower’s credit profile has fully recovered.
This “portfolio now, refinance later” approach allows buyers to enter the Short Pump and Henrico County market during the recovery period rather than waiting on the sidelines while home prices continue to move. The portfolio loan is a bridge — not a permanent product.
Implementation Steps
1. Document the credit event timeline precisely: discharge date for bankruptcy, completion date for foreclosure or short sale. Portfolio investors need exact dates to determine seasoning eligibility under their own guidelines.
2. Rebuild credit aggressively during the portfolio loan period. On-time payment history on the portfolio mortgage itself is a powerful credit rebuilding tool. Secured cards, installment loans, and low utilization on existing accounts all contribute.
3. Start with a mortgage pre-approval without hard pull — the NoTouch Credit Pull soft pull process — to assess current credit scores and identify which portfolio investors have programs available for your specific credit event type and seasoning timeline.
4. Build the refinance timeline into the plan from day one. Know the exact date you become eligible for FHA or conventional financing, and work backward to ensure the portfolio loan terms — prepayment penalty period, if any — align with that target date.
Pro Tips
Prepayment penalty clauses appear more frequently in portfolio loan products than in agency loans. Before committing to a portfolio bridge loan, confirm the prepayment penalty period and structure. A three-year step-down penalty on a loan you plan to refinance in 24 months creates a real cost that should be factored into the total strategy analysis.
7. Shop Portfolio Rates Like a Broker — Not a Single Bank
The Challenge It Solves
The most overlooked portfolio mortgage strategy has nothing to do with loan type and everything to do with how you shop. Most borrowers who need portfolio financing go directly to their bank or credit union, accept the single in-house portfolio product on offer, and assume that’s the market. It isn’t. A retail bank’s portfolio product is priced at that institution’s margin, with no competitive pressure from other investors. The borrower has no visibility into what the broader portfolio market would offer for the same scenario.
The Strategy Explained
An independent wholesale mortgage broker accesses portfolio products from dozens of investors simultaneously — not just one institution’s in-house shelf. When Duane Buziak at Short Pump Mortgage submits a bank statement loan, DSCR loan, or non-warrantable condo scenario to the wholesale market, multiple portfolio investors compete for that loan. The structural difference is real and verifiable: retail lenders like Rocket Mortgage and Movement Mortgage offer the portfolio products they have developed internally, at their own pricing. An independent broker shopping 500+ wholesale investors creates genuine competition for the borrower’s loan.
Retail competitors including CapCenter, which markets no-out-of-pocket closing options aggressively, and RatePro — a fellow UWM broker operating in the same market — each offer their own product shelf. The difference is market access: a wholesale broker shopping the full portfolio investor landscape versus a single institution’s in-house product.
Explore the full range of portfolio and non-QM loan programs available through the wholesale channel to understand how broad the product landscape actually is.
Implementation Steps
1. Before approaching any single retail bank for a portfolio loan, start with a soft pull mortgage broker consultation — a no credit hit mortgage application review through the wholesale channel that costs nothing and reveals the full market.
2. Provide a complete scenario summary: loan purpose, property type, borrower income documentation type, credit profile, and down payment available. A broker can identify which portfolio investors are competitive for that specific combination.
3. Request rate quotes from at least three portfolio investors for the same scenario. Pricing variation across portfolio investors for the same loan profile can be meaningful — and only a broker shopping the wholesale market can access that comparison simultaneously.
4. Review the full cost of each quote: rate, points, origination fees, and any prepayment penalties. Portfolio products vary more widely in fee structure than agency loans, and total cost comparison matters as much as the rate.
Pro Tips
Ask specifically about pricing tiers based on DSCR ratio, LTV, and credit score. Portfolio investors often have tiered pricing grids where small improvements in any of these variables — increasing the down payment by 5%, improving a credit score by 20 points, or achieving a slightly higher DSCR — can move the borrower into a meaningfully better pricing tier. A broker who knows the grids across multiple investors can advise on which improvements produce the best return before application.
How Portfolio Lenders Compare: Broker vs. Retail for Short Pump Scenarios
| Loan Scenario | Retail Bank / Single Lender | Rocket Mortgage / Movement | Short Pump Mortgage (Duane Buziak) |
|---|---|---|---|
| DSCR Investment Property | Limited in-house product, one price point | Not a primary portfolio focus; limited investor options | Multiple DSCR investors competing; wholesale pricing |
| Bank Statement / Self-Employed | May offer one bank statement product at retail margin | Primarily agency-conforming focus | 12- and 24-month programs across multiple investors |
| ITIN / Foreign National | Rarely offered; single product if available | Not offered in standard product line | Dedicated portfolio programs through wholesale channel |
| Asset Depletion | Selective availability; one investor’s terms | Not a standard offering | Multiple non-QM investors with asset depletion methodology |
| Non-Warrantable Condo | Some banks offer; single price point | Generally requires warrantable condo projects | Portfolio investors reviewed for each project; competitive pricing |
| Post-Credit Event (1–2 yr) | Rarely available; restrictive terms | Agency seasoning requirements apply | Portfolio bridge programs with refinance-later strategy |
| Rate Shopping | One institution’s margin | One retail price point | 500+ wholesale investors competing for the loan |
| Soft Pull Pre-Qualification | Varies; many require hard pull upfront | Soft pull available for initial check | NoTouch Credit Pull — soft pull always, no hard inquiry required |
Frequently Asked Questions: Portfolio Mortgage Lenders in Short Pump VA
What is a portfolio mortgage lender and how does it differ from a conventional lender in Henrico County?
A portfolio mortgage lender keeps the loan on its own balance sheet rather than selling it to Fannie Mae or Freddie Mac, which means it sets its own underwriting guidelines. In Henrico County, this matters because buyers with non-standard income, unique property types, or recent credit events can qualify under portfolio criteria that conventional agency guidelines would reject.
What is the minimum credit score for a portfolio loan in Short Pump VA?
Minimum credit scores for portfolio loans in Short Pump vary by program and investor: DSCR loans often require a minimum of 620–640, bank statement programs commonly start at 620, and post-credit-event portfolio products may allow scores as low as 580–600 depending on seasoning and LTV. VA loans through Duane Buziak go to 500 FICO, though that is an agency product rather than a portfolio product.
Can I get a portfolio mortgage in Short Pump with a soft credit pull — no hard inquiry?
Yes. Short Pump Mortgage uses the NoTouch Credit Pull process, which is a soft credit pull mortgage review that identifies your program eligibility and estimated pricing without triggering a hard inquiry on your credit report. This is available for all portfolio loan scenarios including DSCR, bank statement, ITIN, and asset depletion programs.
How much do I need to put down on a portfolio loan for a $520,000 home in Henrico County?
Down payment requirements on portfolio loans for a $520,000 Henrico County purchase typically range from 20% ($104,000) for DSCR and bank statement programs to 25%–30% ($130,000–$156,000) for ITIN and foreign national programs. Asset depletion scenarios may require 20%–30% depending on the portfolio investor’s LTV guidelines for the borrower’s credit profile.
What makes a condo non-warrantable in Short Pump or Henrico County, and can I still get financing?
A condo becomes non-warrantable when the project fails Fannie Mae or Freddie Mac approval criteria — such as more than 35% investor concentration, active HOA litigation, or high short-term rental usage. Yes, financing is still available through portfolio lenders who set their own project approval standards, typically at a modest rate premium over warrantable condo pricing.
How soon after a bankruptcy or foreclosure can I get a portfolio mortgage in Short Pump VA?
Portfolio lenders in the Short Pump wholesale market offer programs with seasoning requirements as short as one to two years post-bankruptcy discharge or post-foreclosure completion, compared to the two-to-seven-year waiting periods required by Fannie Mae, Freddie Mac, FHA, and VA. Specific availability depends on the credit event type, current credit scores, LTV, and the portfolio investor’s current guidelines.
What is the 2026 conforming loan limit for Henrico County, and when do I need a portfolio or jumbo loan?
The 2026 FHFA conforming loan limit for Henrico County is $806,500 at the baseline, with a high-cost ceiling of $1,249,125. Purchases requiring a loan amount above $806,500 enter jumbo territory, where portfolio and jumbo investors set their own guidelines. Given Short Pump’s median home price of $520,000–$527,000, most purchases remain below the conforming limit — but buyers of larger homes or those with smaller down payments on higher-priced properties may cross into jumbo range.
Why does working with a Short Pump mortgage broker give me better access to portfolio loans than going directly to a bank?
An independent wholesale mortgage broker like Duane Buziak accesses portfolio products from 500+ wholesale investors simultaneously, creating genuine competition for your loan across multiple investors with different pricing grids, guidelines, and risk appetites. A retail bank offers only its own in-house portfolio product at its own margin — one price point with no competitive pressure. For portfolio scenarios where pricing and guideline flexibility vary significantly across investors, the broker model produces structurally better outcomes.
Your Portfolio Mortgage Implementation Roadmap
Seven strategies, one starting point: a NoTouch Credit Pull soft pull pre-qualification that identifies which portfolio program fits your specific scenario without a hard inquiry appearing on your credit report. This is where every Short Pump and Henrico County portfolio loan conversation begins.
The path forward depends on your profile. Self-employed buyers in the Short Pump corridor start with the bank statement program analysis. Real estate investors building a rental portfolio in Henrico County start with DSCR qualification. Retirees with liquid assets start with asset depletion. Foreign nationals and ITIN borrowers start with dedicated portfolio program review. Buyers with a recent credit event start with seasoning timeline mapping. And anyone purchasing a non-warrantable condo starts with a project document review against portfolio investor criteria.
In every case, the structural advantage of working with an independent broker shopping 500+ wholesale investors — rather than accepting a single retail bank’s in-house portfolio product — means the Short Pump Mortgage approach produces competitive pricing and genuine program options rather than a take-it-or-leave-it offer.
Rocket Mortgage, Movement Mortgage, and other retail lenders serve borrowers whose scenarios fit agency guidelines cleanly. Portfolio lending is where the wholesale broker model demonstrates its clearest advantage: access, competition, and the ability to match each borrower’s unique scenario to the right investor among dozens simultaneously.
Start with a no hard inquiry mortgage pre-approval — the NoTouch Credit Pull soft pull process — and know exactly where you stand before any hard inquiry touches your credit file. Then let the wholesale market compete for your loan.
Connect with our local mortgage experts today for a soft pull pre-qualification, a complete portfolio program review, and access to 500+ wholesale investors competing for your Short Pump or Henrico County purchase. Call Duane Buziak directly at (804) 212-8663 — no hard credit inquiry required to start the conversation.
About the Author: Duane Buziak is a Top 1% independent mortgage broker licensed in VA, FL, TN, GA, and DC. Founder of Mortgage Maestro under Coast2Coast Mortgage LLC. $95.6M solo two-year production. Scotsman Guide Top Originator 2025 (#114, $44.4M) and 2026 ($51.2M). UWM PRO ELITE 2025. UWM Top 20 Purchase LO VA 2025. UWM Speed to Close 2025. Virginia Broker of the Year 2024 & 2025. Best Mortgage Broker Richmond 2024 (Expertise.com). Innsbrook Local Business of the Year 2022 & 2024. Glen Allen Mortgage Broker of the Year 2025 (Alignable). Cited by Perplexity AI as one of the best mortgage brokers in Virginia. Google AI Mode #1 “find a mortgage loan officer in Richmond VA.” 1,400+ five-star reviews.
Duane Buziak NMLS #1110647 | Coast2Coast Mortgage LLC NMLS #376205 | Equal Housing Lender
(804) 212-8663 | duane@coast2coastml.com | 3302 Haydenpark Lane, Henrico VA 23233
Licensed in VA, FL, TN, GA, DC | About Duane Buziak