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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 *
Bank Statement Loan: 90% LTV with just a 620 credit score — up to $5M loan, 55% DTI, ideal for self-employed with complex deductions.
1099 Only and Bank Statement Home Loans This loan program is for home buyers and
Access up to $750,000 with a Stand-Alone Second Mortgage—no need to refinance. Requires 680+ credit
Non-QM Stated Expense Ratio mortgage programs for self-employed borrowers using alternative income documentation. Bank statement
Prime and Non-Prime Bank Statement Options Portfolio Direct Lender is a specialized direct lender offering
Stated Income / No Doc This hard money asset-based stated income / No Doc loan
Asset depletion mortgage: Use liquid assets (cash, investments, retirement) as qualifying “income.” No W-2s or
Non-Prime Bank Statement Options Self-Employed Borrowers: Portfolio Direct Lender is a direct lender with their
DSRC Investor Loan Program – No Income Verification Qualify for a self-employed mortgage with loan
Interest-Only Non-QM Jumbo Mortgage Product Interest Only – $2,000,000 Eligible Transactions: Purchase; Refinance – Rate/Term;
Super Jumbo Bank Financing up to $30 Million. Portfolio mortgage with flexible Lite Doc options,
DSCR First Time Investor Loan OK Our DSCR cash flow loan offers borrowers an interest-only
The 1099 Mortgage Program makes qualifying easier for self-employed borrowers. Only one year of 1099
Our Stated Income / Verified Assets Mortgage Program offers flexible financing for self-employed borrowers with
Jumbo Second Mortgage | Alt Doc + Minimum Mortgage Credit Score: 680 Available Terms –
Self-Employed Borrowers: Purchase 90% LTV, and Cash Out – 85% LTV ~ Self-employed borrowers can
DSCR stands for Debt Service Coverage Ratio loans, which allow real estate investors to qualify
Jumbo Bank Statement Loan to $5,000,000. Alt-doc qualifying with 12–24 month. bank statements, up to
Nationwide Private Mortgage Lender Unique mortgage loan program designed for the Residential Real Estate Investor
Inherited Property Financing 80% Loan-to-Value (LTV) This loan program is for people that have lost
A Second Mortgage Bank Statement Loan allows qualified homeowners to access equity without refinancing their
Real estate investor cash-out with bank-statement loans: use rentals, 1099 or Airbnb income, alt docs.