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Bank statement mortgage program for self-employed borrowers using 12 months of personal or business statements, flexible expense factors, and loan amounts up to $3,500,000
The DSCR mortgage loan program is a powerful tool for investors to achieve their short term and long term investment objectives. With credit score requirements starting as low as 600 and a maximum loan-to-value (LTV) of 85%, this program offers
Alt Doc Loans Bank Statement Loans Bank Statement Mortgages Jumbo Loan Programs Jumbo Loans
12 Month Reduced Doc Mortgage for self-employed and W-2 borrowers using one year of income documentation instead of a traditional two-year average. Loan amounts up
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
12-Month Bridge Loan: short-term loan up to $30M, up to 75% LTV. Tap your property equity fast before sale. Credit score min 620.
1 Year Full Doc loan program for W-2 and self-employed borrowers using reduced income documentation. Financing up to $4 million, 85% LTV, and a 620
12 Months Income Alternative to 24 Months As an alternative to the standard two years of income documentation, we have two options for you: either
Jumbo Non-QM Bank Statement Loans offer self-employed and high-income borrowers a flexible way to qualify for jumbo mortgages without tax returns. Borrow up to $5
Fix & Flip Flexible Capital Program: At Broker Mortgages, our Fix & Flip Program gives real estate investors the financial power to acquire, renovate, and
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.
Bank Statement Alt Doc Options Available – 2026 Updates We calculate your monthly income number (DTI purposes) before your loan is submitted to the underwriter
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
Super Jumbo Alt-Doc loans with a 620 credit score: get up to $2.5M for purchases, flexible docs (bank statements, P&L), low down & broad eligibility.
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
Qualify for a mortgage using eligible liquid assets instead of relying exclusively on traditional employment income. Asset Qualifier loans offer financing up to $5 million,
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.
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
3-Month Bank Statement Loans in California help self-employed borrowers qualify using just three months of ”income deposits”, no tax returns or W-2s required. Ideal for
No income or asset documentation required—no 4506-T or 4506-C forms needed. As of June 2025, tax returns are not required for self-employed or W-2 borrowers.
Borrow up to $3M with jumbo hard money loans at 80% LTV for fix & flip, bridge, construction & more. No 4506-T required, flexible income
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
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