Most of your net worth is locked behind a vesting cliff or a 10b5-1 plan. The bulge-bracket brokers don't speak RSU-vest, AMT-impact, or 83(b). Denza does. We model your real spend power across vest dates, lockups, and secondary windows — then narrow the search to what actually clears.
Tell us your strike, refresh grant size, and IPO timeline (or last secondary tender). We surface only what your post-tax cash + planned 10b5-1 sales can actually carry across the next 36 months — not what a lender will technically approve today.
If you're pre-IPO with K-1 income or 1099 + variable RSUs, we know the lender stack that underwrites you correctly: portfolio jumbo, asset-depletion, and bank-statement programs. We pre-flag listings that won't appraise for those products.
Filter by minutes-to-Hudson-Yards, minutes-to-SoHo, minutes-to-Brooklyn-Navy-Yard. Hybrid? Set a 2-day commute weight, a 3-day work-from-home weight; the score updates live.
We can purchase via a single-member LLC, layer privacy filings, and time the close around your trading window. Default mode is direct title; LLC + privacy stack is one toggle away.
Pick where you'd live and where you work. We'll quote subway minutes — same engine that ranks listings on the platform.
Yes. Asset-depletion programs treat liquid + restricted equity as income equivalent. We connect you to the 3 lenders who underwrite this correctly in NY. Most won't.
Yes. We coordinate the SMLLC formation, NY publication requirement, and title insurance amendment — all before contract. Adds ~2 weeks to the timeline; standard for senior tech operators.
If you have international RSU income (e.g. UK / Israel / Singapore branch), we route to a lender that handles the FX + W-8 stack. Foreign-national buyers welcome.
Legally, no — but you're leaving 1.5% on the table, and the listing agent represents the seller. Denza's AI-only path rebates that to you at close. With concierge tier, a licensed broker handles every signature.
Tell Denza your refresh grant size, your IPO timeline (or last tender), and a borough. We send three buildings that clear your cash carry across the next 24 months — and three that don't, with the model attached.
