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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 *
Flexible Financing for Self-Employed Borrowers The Business Bank Statement Mortgage Program helps self-employed professionals and business owners qualify for mortgage financing without tax returns. Instead of W-2s, borrowers can use 12 to 24 months of business bank statements to verify
Commercial Mortgage Stated Income This Commercial Mortgage Loan Program Does Not Require Tax Returns or
DSRC Investor Loan Program – No Income Verification Qualify for a self-employed mortgage with loan
Purchase or Cash Out Refinance options available with a minimum 620 credit score. The Real
Non-QM Mortgage Broker Service We determine your qualifying income down to the dollar before you
Asset Depletion Program: turn your assets like stocks or investments into income, boost your borrowing
Bank Statement Employment Documentation: Verify self-employment with CPA letter or license. Qualify with 12–24 months
12 month P&L statement along with 3 months bank statements to support P&L (10%-25% variance)..
Interest-Only Non-QM Jumbo Mortgage Product Interest Only – $2,000,000 Eligible Transactions: Purchase; Refinance – Rate/Term;
Self-Employed Home Loan Program This kind of loan product is for the Self-Employed borrower that
The Stated Income/Verified Assets (SIVA) Jumbo Loan Program, updated July 10, 2025, offers a high-net-worth,
3-Month Bank Statement Loan. Use either 3 months of business or personal bank statements as
Non-Prime – No Income and No Employment If you’re seeking the right Non-Prime No-Income/No-Employment program
Debt Service Coverage Ratio (DSCR) – No Ratio program for real estate investors up to
Non-QM Alt Doc Bank Statement Loans to $10,000,000 Now you can use your 1099(s) to
Super Jumbo Loan Amounts to $30,000,000 Non-Prime/ Manual Underwrite Super Jumbo Common Sense Manual Underwriting
One-year tax-return alt-doc loan with up to 90% LTV; ideal for self-employed or recent income
Super Jumbo Bank Financing up to $30 Million. Portfolio mortgage with flexible Lite Doc options,
Alt-Doc Mortgage Program: Flexible financing up to 90% LTV with loan amounts from $1.5M to
DSCR loans remain a top choice for real estate investors. We offer flexible guidelines using
One-Year W-2 Jumbo: low-doc jumbo non-QM loans; 1-year W2 income, bank-statements, asset depletion. Up to
Super Jumbo Bank Statement Loan for Self-Employed Borrowers The Super Jumbo Bank Statement Loan is