Zephyr Financial

I founded Zephyr Financial because I believe independent investors deserve the same level of financial clarity as the major institutions I worked with for years. I didn’t just "fall into" bookkeeping; I built my career in the world of credit and lending. After graduating from Texas Tech University with a degree in International Business in 2017, I spent years as a Commercial Underwriter for community banks across Texas and Oklahoma. I’ve spent my career on the other side of the desk, analyzing thousands of tax returns, rent rolls, appraisals, and lease contracts for properties nationwide. I know exactly what makes a lender say "yes"—and I know the disorganized financial habits that make them say "no." As a fellow professional balancing a corporate career with my own business, I understand the "side hustle" grind. When you’re juggling a 9-to-5 while managing guests or tenants, you simply don’t have the time to track every penny or remember which expense belongs to which property. I provide US-based, remote bookkeeping services for independent investors and small business owners across the country. Whether we connect via Google Meet, text, or phone, my goal is to ensure your books are always current so you can focus on your career and your next acquisition. At Zephyr Financial, I approach your books with an underwriter’s eye. My process isn't just about data entry; it’s about providing investor-ready financials. I help you avoid novice mistakes—like failing to split principal and interest on loans or providing outdated rent rolls—that can stall a loan application. By maintaining property-specific tracking throughout the year, I ensure that your personal and business finances never cross paths, keeping you organized and professional in the eyes of any financial institution. While I do not file taxes for my clients, I am the expert who ensures your financials are airtight and ready for your CPA. I focus heavily on Schedule E & Form 8825 Compliance, ensuring that every income stream and expense is categorized correctly from day one. I can even stay in contact with your tax professional throughout the year to ensure a seamless hand-off come April. My mission is to give you back your time and the confidence that your business is truly prepared for whatever comes next.