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Income Documentation Programs Self-Employed & Investors

No Doc, No Ratio, Asset Depletion, Bank Statements. P&L Only, 1099 Only, Stated Income (employment / Income blank) available to include Business Purpose Owner-Occupied Primary Residence. Alt Doc Mortgages programs that offer a flexible solution for individuals seeking loans without traditional income verification methods. With this program, applicants can qualify based solely on their bank statements, specifically focusing on income deposits over a 3-24-month period. This approach is particularly advantageous for self-employed borrowers or those with irregular income streams who may not have conventional pay stubs or tax returns to present. By considering 100% of income deposits reflected in the bank statements, this program provides a streamlined path to mortgage approval, bypassing the need for extensive documentation and simplifying the application process for eligible borrowers.

No Ratio Loans

No Ratio Loans Contact a Loan Officer Please enable JavaScript in your browser to complete this form.Name *Email *PhoneYour Message: Submit

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12-Month Bank Statement Jumbo Program

This 12-Month Bank Statement Jumbo Program is designed for self-employed borrowers and those with non-traditional income sources, providing flexible financing options for high-value properties. * Purchase / Rate & Term:

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Bank Statement Loan Service

Our bank statement loan service provides flexible solutions. By analyzing gross monthly deposits and subtracting an expense ratio or factor percentage, our lenders pre-underwrite and calculate your qualifiable income. This

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1099 Only Jumbo Loan – 640 Credit Score

1099 Only Super Jumbo Loan Program – $7,500,000 1099 mortgage loan programs accommodate Sole proprietors, Independent Contractors, and Freelance Professionals. Non-Occupying Co-Borrowers OK. On a Cash Out Refinance, you have

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P&L Only – 640 Credit Score

P&L Only Mortgage Loan Program The 12-Month P&L Only Loan Program offers a streamlined alternative documentation solution for borrowers with complex tax returns. Use profit and loss statements prepared by

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Non-Prime 6 Month Bank Statement Mortgage

Five Alternative Income Verification Options – This Non-QM loan program uses bank statements in lieu of Traditional Income Documentation to determine a borrower’s Ability-to-Repay. Agency – government regulated. Non-QM is

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Investor DSCR Mortgage Program

The Real Estate Investor Program offers flexible income documentation options, including Full Doc or DSCR (Debt Service Coverage Ratio) Purpose: Purchase or Cash Out Refinance Income Documentation: Full Doc or

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Super Jumbo DSCR $4,500,000

Debt Service Coverage Ratio (DSCR) continues to be popular with real estate investors. Below are guidelines using Long- and Short-Term Rental Income. We can use higher of current market rent

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DSCR Super Jumbo to $5,000,000 Cash Out

Qualifying for a mortgage on an investment property can be tricky, particularly if you own multiple properties. The DSCR (Debt Service Coverage Ratio) option makes qualifying simple: The only income

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DSCR Loans

“DSCR” stands for Debt Service Coverage Ratio Loans. Additional loan programs information below.

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One-Year History Verification | VOE

1099 Only Lite Doc Income Documentation Bank Statement Loan | 660 Credit Score – 90% LTV to $1,500,000 * 1-Year Income and Employment Verification Documentation, Asset Utilization * Form 4506-T

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Super Jumbo DSCR to $4,000,000

DSCR First Time Investor Loan OK Our DSCR cash flow loan offers borrowers an interest-only option to qualify using the interest-only payment plus escrows. This is just another benefit of

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Hard Money Loan Asset Based Program

Stated Income / No Doc This program is an asset-based lender Currently in foreclosure OK Currently in bankruptcy or past bankruptcies OK In probate OK Residential and commercial properties Available

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Alternative Income Documentation

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Non-Traditional Mortgages

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