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Our Portfolio Closed End Second program with Alt Doc, 1099 Only, Bank Statement, and P&L Only mortgage solutions.
Profit and Loss (P&L) Loan Programs Mortgage qualification using a 12-month P&L statement, making it a flexible option for borrowers who don’t fit traditional mortgage plans. Ideal for expanding your client base in Non-QM lending. P&L Only Program Highlights *
High-LTV condo jumbo financing up to 90% LTV and $2.5M, offering flexible credit options for purchases and cash-out refinances on a wide range of condo
Bank Statement Employment Documentation: Verify self-employment with CPA letter or license. Qualify with 12–24 months statements, no tax returns required.
DSCR loans remain a top choice for real estate investors. We offer flexible guidelines using income from both long- and short-term rentals, and can qualify
The Stated Income/Verified Assets (SIVA) Jumbo Loan Program, updated July 10, 2025, offers a high-net-worth, asset-based pathway to home financing without requiring tax returns or
Hard Money Loan Program All Property Types (Except Land & Manufactured Homes) 1st Trust Deeds Available and 2nd Trust Deed HELOC’s from $250,000 – $10,000,000
The Non-Prime / Non-Qualified Lender Programs offer flexible mortgage solutions for borrowers with unconventional financial profiles—like those with lower credit scores or alternative income documentation.
Interest-Only Non-QM Jumbo Mortgage Product Interest Only – $2,000,000 Eligible Transactions: Purchase; Refinance – Rate/Term; Refinance – Cash Out Non-QM Mortgage Loans /”Interest-Only” Payment Option
Subprime bank-statement loan: Alt-doc financing using bank statements for income. Higher-risk, flexible qualification even with credit blemishes.
The P&L Only Mortgage Loan Program provides a streamlined, alternative documentation solution for borrowers with complex or unconventional income. Instead of traditional tax filings, applicants
This program enables primary owner-occupied loans from $500,000 to $5,000,000 for purchase, refinance, cash-out, construction, bridge, or blanket financing.
Manual Underwriting Loan Programs Flexible Mortgage Solutions with Manual Underwriting Manual underwriting is designed for borrowers who may not meet traditional automated underwriting requirements. Instead
The Non-QM Bank Statement Loan Program offers flexible underwriting with a maximum Debt-to-Income (DTI) ratio of 55% for loans up to $2,000,000, with even higher
Self-Employed Home Loan Program This kind of loan product is for the Self-Employed borrower that can produce a 1-year P&L along with a letter from
Manual Underwrite Super Jumbo Mortgage Super Jumbo Non-Conventional Mortgage Loan Program | Flexibility | Freedom | Buying Power Mortgage financing freedom ability available to purchase
The Non-Prime Bank Statement Loan (620 Credit Score) is a Non-QM non-traditional income documentation. qualifY using 1 to 24 consecutive months of recent bank statements—with
Non-Prime Alt Doc Self-Employed Program Non-Prime mortgages are not only for challenged credit borrowers, but also good and excellent credit borrowers that require a higher
Self-Employed Borrowers: Purchase 90% LTV, and Cash Out – 85% LTV ~ Self-employed borrowers can now take advantage of alternative income documentation with options to
A flexible 12-month bank statement loan program designed for self-employed borrowers and business owners, offering up to 85% LTV with alternative income documentation. W-2 co-borrowers
The Non-Qualified Mortgage Jumbo (55% DTI) program is designed for borrowers who may not have traditional documentation like tax returns, W-2s, or pay stubs. It
One Month Bank Statement Loan Program for self-employed borrowers. A flexible solution allowing qualification with just 1 month of bank statements, ideal for those seeking
Sole Proprietor Super Jumbo Loan Program – $7,500,000 This particular 1099 Only income documentation mortgage loan can accommodate Sole Proprietors, Independent Contractors, and Freelance Professionals
The Bank Statement Loans highlights a suite self-employed borrowers that cannot provide conventional income documentation including the 12-Month Bank Statement option to enable qualification using
Non-Prime Bank Statement Options Self-Employed Borrowers: Portfolio Direct Lender is a direct lender with their own portfolio of loan products and programs, and they make
Access the equity in your home without the paperwork stress. Our Second Mortgage Bank-Statement Loan is for self-employed homeowners, freelancers, or anyone who lacks traditional
Non-QM Stated Expense Ratio mortgage programs for self-employed borrowers using alternative income documentation. Bank statement lenders apply varying expense percentage rates to estimate business costs—key
Non-QM lender in California: self-employed loans with alt docs — bank statements, 1099s, asset depletion. No 4506-C needed. Up to 90% LTV.
The DSCR (Debt Service Coverage Ratio) Loan Program is built for experienced real estate investors, allowing up to 25 financed properties—far beyond most investor loan
6-Month Bank Statement Loan – 680 Credit Score This Six-Month Bank Statement Loan program caters to borrowers with a 680 credit score or higher, designed specifically for
Our Bank Statement Loan program provides self-employed borrowers with an alternative to traditional income documentation. Use personal or business bank statements for up to 24
Our Stated Income / Verified Assets Mortgage Program offers flexible financing for self-employed borrowers with strong assets and non-traditional income. No tax returns required—just verified
Asset depletion mortgage: Use liquid assets (cash, investments, retirement) as qualifying “income.” No W-2s or tax returns required—ideal for asset-rich borrowers.
Niche Loan Non-Prime Mortgage Our non-prime jumbo mortgage loan program offers flexible financing options, allowing borrowers to qualify using either 12 or 24 months of
Non-Prime Super Jumbo Bank Statement Loan – 600 Credit Score Non-Prime Bank Statement Loans provide financing for borrowers with a 600+ credit score. Self-employed individuals
600 Credit Score Jumbo Mortgage Programs A 600 credit score jumbo mortgage provides non-prime financing for borrowers who meet full income documentation and underwriting requirements
Stated Income Jumbo Construction Loan up to $10 Million for home builders. Short-term financing for construction projects—no 4506-T or 4506-C forms required. Ideal for builders
Jumbo Bank Statement Loan to $5,000,000. Alt-doc qualifying with 12–24 month. bank statements, up to 55% DTI, and $2,500,000 cash-out available.
Partner with us for ARV purchase & rehab loans—finance both acquisition and renovations, leverage your property’s after-repair value, with flexible terms & fast draws.
1099 Only Lite Doc Bank Statement Loan – Qualify with just 1 year of income and employment verification. Ideal for self-employed borrowers with a 660+
Soft Money Mortgage Program Exceptions made to 75% LTV for qualifying counties in the state of California. This means that the pricing is less than
Super Jumbo Non-QM Mortgage Broker Loan Program Our Super Jumbo Non-QM Mortgage Broker program is designed for high-net-worth borrowers seeking maximum flexibility and financing solutions
The Bank Statement Loans highlights a suite self-employed borrowers that cannot provide conventional income documentation including the 12-Month Bank Statement option to enable qualification using