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DSCR Loan Program 85% LTV 11 Our manual underwriting process for DSCR loans provides the flexibility to evaluate loans comprehensively, allowing for more credit approval decisions. LTV up to 85% on purchase loans and rate/term refinances, accommodating a wider range
Qualify with rental income, not tax returns. Explore our DSCR Business Purpose Loan to buy, refinance, or cash-out on investment properties.
Flexible income documentation options with as little as 3 months of personal or business bank statements. This 3-month program is a streamlined alternative to 6-,
The 1099 Mortgage Program makes qualifying easier for self-employed borrowers. Only one year of 1099 income is required—no full tax returns—offering high loan amounts, flexible
Jumbo Second Mortgage | Alt Doc + Minimum Mortgage Credit Score: 680 Available Terms – 15- or 20 Year Fixed Rate Second Mortgages. Available for
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
Bank Statement Jumbo Mortgage with Interest-Only options. Choose from 2-month or 24-month bank statement programs for purchase, rate/term refinance, or cash-out. Available for owner-occupied, second
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.
Self-Employed Borrowers Our Investor Bank Statement Loan program caters to borrowers who thrive outside the conventional lending box. As a portfolio direct lender, we make
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
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.
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
Subprime bank-statement loan: Alt-doc financing using bank statements for income. Higher-risk, flexible qualification even with credit blemishes.
Borrow up to $3M with jumbo hard money loans at 80% LTV for fix & flip, bridge, construction & more. No 4506-T required, flexible income
This investor purchase loan program provides flexible financing for borrowers acquiring residential investment properties, second homes, and select owner-occupied properties. Qualified borrowers may finance multiple
Bank Statement and Asset Depletion Non-QM loan program uses bank statements In lieu of Traditional Income Documentation to determine a borrower’s Ability-to-Repay. Agency – government
Prime and Non-Prime Bank Statement Options Portfolio Direct Lender is a specialized direct lender offering an exclusive portfolio of loan products and programs. They make
Super Jumbo Loan Amounts to $30,000,000 Non-Prime/ Manual Underwrite Super Jumbo Common Sense Manual Underwriting and in-house decisions. Final decision with second signature requirement. Income
Portfolio Prime Loan Program Overview The Portfolio Prime Loan Program is designed for borrowers with strong financial profiles who may not qualify for conventional or
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
DSRC Investor Loan Program – No Income Verification Qualify for a self-employed mortgage with loan amounts up to $5,000,000 and a 760 middle mortgage credit
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
Super Jumbo Real Estate Investor Loan Program to $5,000,000 This investor program was created for seasoned professional Business Purpose Real Estate Investors for most property
Our 24-Month Bank Statement Program offers a streamlined alternative: instead of relying on tax returns, you can qualify using up to two years of business
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.
Alt-Doc for Real-Estate Investors: Rent & business bank statements, lease income or Airbnb qualify. Flexible docs, no tax returns required.
Non-Qualified Mortgages and Non-QM Mortgage Brokers In an ever-evolving Non-Qualified mortgage market, We continue to expand our products and guidelines Our team of Non-QM Mortgage
One-year tax-return alt-doc loan with up to 90% LTV; ideal for self-employed or recent income increase. Primary, second, & investment properties eligible.
Maximum Loan Amount Investor Mortgage – $3,500,000 This investment property loan program provides up to $3,000,000 for purchases and rate-term refinances, with cash-out refinancing available
The 6-Month Bank Statement Mortgage 660 Credit Score program for borrowers with credit scores of 660 to qualify using six months of personal or business
Access an easy home loan up to $4,000,000 based on stated income, with a minimum credit score of 740. Skip the hassle and stress of
Non-Prime – One Day Out of a Short Sale or Foreclosure Loan This loan is for people that have recently either foreclosed or short sold
Business Purpose Investor Loan Program Loan programs for homebuyers and homeowners looking to refinance, rate/Term and Cash Out their Single-Family Residence, Condo or Multi-Unit including
The Non-Prime True No Doc Mortgage Program is an equity-driven, alternative documentation option tailored for borrowers with unconventional income or documentation (like the self-employed, fixed-income
Bank Statement Loans for Self Employed Borrowers Whether you’re purchasing your first home or expanding your real estate portfolio, these loans adapt to your income
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
Alt-Doc Mortgage Program: Flexible financing up to 90% LTV with loan amounts from $1.5M to $3.5M. No 4506-T or 4506-C forms required. Reserve requirement: 6
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
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
3-Month Bank Statement Loan. Use either 3 months of business or personal bank statements as an alternative to the 6-month, 12-month, and 24-month programs. Ideal
Asset Qualifier Portfolio Mortgage with asset-based income documentation. Ideal for borrowers using 1099s (sole proprietors) to demonstrate ability to repay. Allows DTI ratios up to
Real estate investor cash-out with bank-statement loans: use rentals, 1099 or Airbnb income, alt docs. Up to 85% LTV, flexible credit & no tax return
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