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DSCR Mortgage – Social Security Number Not Required Our flexible options with DSCR, No Ratio makes it easy to purchase or refinance (including Cash Out) DSCR ≥.75 and No Ratio options Qualify with a minimum DSCR of .75 and loan
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 The
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
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
Stated Income Mortgage Loan Up to $4,000,000 Access an easy home loan up to $4,000,000 based on stated income, with a minimum credit score of
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
Profit and Loss (P&L) loans are Non-Qualified Mortgage loans. Non-QM mortgage lending allow our borrowers to qualify using a 12-month P&L statement, making it ideal
The DSCR (Debt Service Coverage Ratio) Loan Program is built for experienced real estate investors, allowing up to 25 financed properties—far beyond most investor loan
Flexible financing for real estate investors, with DSCR options, jumbo limits, and competitive terms to grow all of your refinance property portfolios.
Non-Prime Super Jumbo Loans up to $5,000,000 for self-employed borrowers. Use 12 or 24 months of business bank statements to demonstrate your ability to repay,
Qualify for a mortgage using 12 months of personal or business bank statements instead of traditional tax-return income. Financing available up to 90% LTV and
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-,
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
1099 Only mortgage for Independent Contractors with one or two year self-employment histor.
Unique Non-QM Lenders and Loans We have many loan options, and we are poised to increase the buying power of the small to medium size
1099 Only and Bank Statement Home Loans This loan program is for home buyers and homeowners that have a few late payments or recently experienced
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
Bank Statement Alt Doc Options Available – 2026 Updates We calculate your monthly income number (DTI purposes) before your loan is submitted to the underwriter
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
The Non-Qualified Mortgage Jumbo (55% DTI) program is for borrowers with a high debt ratio via 1099-only, bank statement, asset depletion, P&L-only (unaudited).
Jumbo Bank Statement Loan to $5,000,000. Alt-doc qualifying with 12–24 month. bank statements, up to 55% DTI, and $2,500,000 cash-out available.
Non-Prime – No Income and No Employment If you’re seeking the right Non-Prime No-Income/No-Employment program requiring minimal documentation.With no verification of income or employment required,
Subprime bank-statement loan: Alt-doc financing using bank statements for income. Higher-risk, flexible qualification even with credit blemishes.
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
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
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
DSCR First Time Investor Loan OK Our DSCR cash flow loan offers borrowers an interest-only option to qualify using the interest-only payment plus escrows. This
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
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
Alt-Doc for Real-Estate Investors: Rent & business bank statements, lease income or Airbnb qualify. Flexible docs, no tax returns required.
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.
Super Jumbo Bank Statement Loan for Self-Employed Borrowers The Super Jumbo Bank Statement Loan is designed for self-employed borrowers seeking high-balance financing with flexible income
Alt Doc Loans Bank Statement Loans Bank Statement Mortgages Jumbo Loan Programs Jumbo Loans
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
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
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
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
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.
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
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
Debt Service Coverage Ratio (DSCR) – No Ratio program for real estate investors up to $5,000,000. Eligible for purchase and cash-out refinance with no employment
Bank Statements Jumbo Mortgage with a 3-Month Program. Use either business or personal bank statements as an alternative to the 6-month, 12-month, and 24-month options.