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Qualify with rental income, not tax returns. Explore our DSCR Business Purpose Loan to buy, refinance, or cash-out on investment properties.
The Closed-End Bank Statement Second Mortgage program provides second-lien financing for self-employed borrowers and real estate investors who may not qualify using traditional income documentation. Depending on the loan purpose and borrower profile, qualification may be available using bank statements,
Self-Employed Borrowers Our Investor Bank Statement Loan program caters to borrowers who thrive outside the
Self-Employed Mortgage One Month Bank Statement Option One-Month Bank Statement Loan for Self-Employed: A flexible
Bank Statement Mortgage Program for self-employed borrowers using personal or business bank statements instead of
Bank Statement Employment Documentation: Verify self-employment with CPA letter or license. Qualify with 12–24 months
Interest-Only Non-QM Jumbo Mortgage Product Interest Only – $2,000,000 Eligible Transactions: Purchase; Refinance – Rate/Term;
Commercial Mortgage Stated Income This Commercial Mortgage Loan Program Does Not Require Tax Returns or
Self-Employed Borrower Income Documentation Portfolio direct lender functions as a direct lender boasting its unique
No income or asset documentation required—no 4506-T or 4506-C forms needed. As of June 2025,
Prime and Non-Prime Bank Statement Options Portfolio Direct Lender is a specialized direct lender offering
Alt-Doc for Real-Estate Investors: Rent & business bank statements, lease income or Airbnb qualify. Flexible
Federal Tax Transcripts Not Required Loan Qualifying Criteria for this loan program are Asset Based.
Non-Prime Bank Statement Options Self-Employed Borrowers: Portfolio Direct Lender is a direct lender with their
The Stated Income Owner-Occupied Jumbo program (updated July 31, 2025) provides borrowers who prefer not
Partner with us for ARV purchase & rehab loans—finance both acquisition and renovations, leverage your
3-Month Bank Statement Loan. Use either 3 months of business or personal bank statements as
Bank Statement Program – 2025 This Bank Statement mortgage is designed for self-employed borrowers. You
One-Year W-2 Jumbo: low-doc jumbo non-QM loans; 1-year W2 income, bank-statements, asset depletion. Up to
Bank Statement Jumbo Mortgage with Interest-Only options. Choose from 2-month or 24-month bank statement programs
Niche Loan Non-Prime Mortgage Our non-prime jumbo mortgage loan program offers flexible financing options, allowing
The Non-Prime / Non-Qualified Lender Programs offer flexible mortgage solutions for borrowers with unconventional financial
Soft Money Mortgage Program Exceptions made to 75% LTV for qualifying counties in the state
Asset depletion mortgage: Use liquid assets (cash, investments, retirement) as qualifying “income.” No W-2s or
Our alternative documentation mortgage program features a Lite Doc option for borrowers seeking simplified income
DSCR loans remain a top choice for real estate investors. We offer flexible guidelines using
Manual Underwrite Super Jumbo Mortgage Super Jumbo Non-Conventional Mortgage Loan Program | Flexibility | Freedom
12 Months Income Alternative to 24 Months As an alternative to the standard two years
Alt Doc Loans Bank Statement Loans Bank Statement Mortgages Jumbo Loan Programs Jumbo Loans
Purchase or Cash Out Refinance options available with a minimum 620 credit score. The Real
A Second Mortgage Bank Statement Loan allows qualified homeowners to access equity without refinancing their
DSRC Investor Loan Program – No Income Verification Qualify for a self-employed mortgage with loan
Access your home equity with a Jumbo Second Mortgage. Flexible LTVs, alt-doc options, and no
Sole Proprietor Super Jumbo Loan Program – $7,500,000 This particular 1099 Only income documentation mortgage
Qualifying for a mortgage on an investment property can be tricky, particularly if you own
12 Month Reduced Doc Mortgage for self-employed and W-2 borrowers using one year of income
The 1099 Mortgage Program makes qualifying easier for self-employed borrowers. Only one year of 1099
12-Month Bridge Loan: short-term loan up to $30M, up to 75% LTV. Tap your property
Jumbo Bank Statement Loan to $5,000,000. Alt-doc qualifying with 12–24 month. bank statements, up to
Self-Employed Borrowers – Forms 4506-T / 4506-C Not Required This Alt Doc Home Loan program
Qualify for a mortgage using 12 months of personal or business bank statements instead of
This 12-Month Bank Statement Jumbo Loan is tailored for self-employed borrowers and those with alternative
Flexible income documentation options with as little as 3 months of personal or business bank
Super Jumbo Real Estate Investor Loan Program to $5,000,000 This investor program was created for
Business Purpose Investor Loan Program Loan programs for homebuyers and homeowners looking to refinance, rate/Term
Bank Statements Jumbo Mortgage with a 3-Month Program. Use either business or personal bank statements
Super Jumbo Bank Statement Loan for Self-Employed Borrowers The Super Jumbo Bank Statement Loan is
12 month P&L statement along with 3 months bank statements to support P&L (10%-25% variance)..
Real estate investor cash-out with bank-statement loans: use rentals, 1099 or Airbnb income, alt docs.
Borrow up to $3M with jumbo hard money loans at 80% LTV for fix &
1099 Only and Bank Statement Home Loans This loan program is for home buyers and
Profit and Loss (P&L) loans are Non-Qualified Mortgage loans. Non-QM mortgage lending allow our borrowers