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This DSCR Second Mortgage lets investors leverage property equity based on rental income—no tax returns or personal income verification required.
Our Debt Service Coverage Ratio (DSCR) loan program is designed for real estate investors who want to qualify based on rental income rather than personal income documentation. Whether you’re a first-time investor or looking to expand your portfolio, this program
Qualifying for a mortgage on an investment property can be tricky, particularly if you own
The Stated Income/Verified Assets (SIVA) Jumbo Loan Program, updated July 10, 2025, offers a high-net-worth,
Asset Qualifier Portfolio Mortgage with asset-based income documentation. Ideal for borrowers using 1099s (sole proprietors)
Subprime bank-statement loan: Alt-doc financing using bank statements for income. Higher-risk, flexible qualification even with
Non-QM Alt Doc Bank Statement Loans to $10,000,000 Now you can use your 1099(s) to
Debt Service Coverage Ratio (DSCR) – No Ratio program for real estate investors up to
The Non-Prime / Non-Qualified Lender Programs offer flexible mortgage solutions for borrowers with unconventional financial
12-Month Bridge Loan: short-term loan up to $30M, up to 75% LTV. Tap your property
This investor purchase loan program provides flexible financing for borrowers acquiring residential investment properties, second
Super Jumbo Loan Amounts to $30,000,000 Non-Prime/ Manual Underwrite Super Jumbo Common Sense Manual Underwriting
Non-Prime – No Income and No Employment If you’re seeking the right Non-Prime No-Income/No-Employment program
3-Month Bank Statement Loan. Use either 3 months of business or personal bank statements as
Access the equity in your home without the paperwork stress. Our Second Mortgage Bank-Statement Loan
Non-Prime Bank Statement Options Self-Employed Borrowers: Portfolio Direct Lender is a direct lender with their
Business Purpose Investor Loan Program Loan programs for homebuyers and homeowners looking to refinance, rate/Term
The 1099 Mortgage Program makes qualifying easier for self-employed borrowers. Only one year of 1099
3-Month Bank Statement Loans in California help self-employed borrowers qualify using just three months of
Asset depletion mortgage: Use liquid assets (cash, investments, retirement) as qualifying “income.” No W-2s or
Non-Prime Super Jumbo Bank Statement Loan – 600 Credit Score Non-Prime Bank Statement Loans provide
Partner with us for ARV purchase & rehab loans—finance both acquisition and renovations, leverage your
The Stated Income Owner-Occupied Jumbo program (updated July 31, 2025) provides borrowers who prefer not