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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
The DSCR mortgage loan program is a powerful tool for investors to achieve their short term and long term investment objectives. With credit score requirements starting as low as 600 and a maximum loan-to-value (LTV) of 85%, this program offers
Second Mortgage Bank Statement Jumbo Loan. Flexible CLTV options with loan amounts starting at $250,000, up to 85% CLTV. Available for larger loans, with 80%
Super Jumbo Investor Mortgage | DSCR. A specialized DSCR loan program for real estate investors with a minimum credit score of 620. Offers up to
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
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.
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
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
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
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
Subprime bank-statement loan: Alt-doc financing using bank statements for income. Higher-risk, flexible qualification even with credit blemishes.
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
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
Non-Prime Super Jumbo Bank Statement Loan – 600 Credit Score Non-Prime Bank Statement Loans provide financing for borrowers with a 600+ credit score. Self-employed individuals
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
Our Bank Statement Loan program provides self-employed borrowers with an alternative to traditional income documentation. Use personal or business bank statements for up to 24
Bank Statement Alt Doc Options Available – 2026 Updates We calculate your monthly income number (DTI purposes) before your loan is submitted to the underwriter
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.
Commercial Mortgage Stated Income This Commercial Mortgage Loan Program Does Not Require Tax Returns or W-2’s Credit Score: 660 Middle Credit Score Loan Amount: Loan
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
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
Alternative Income Second Mortgage Non-QM lender offers a closed-end, fixed-rate structure tailored for the needs of self-employed individuals and real estate investors. With a minimum
Bank Statement Mortgage Program for self-employed borrowers using personal or business bank statements instead of traditional tax-return income. Jumbo and Super Jumbo loans available up
The Stated Income Owner-Occupied Jumbo program (updated July 31, 2025) provides borrowers who prefer not to provide income documentation or tax transcripts. Purchase loans to
Lite Doc Jumbo and Super Jumbo Mortgage Purpose: Purchase, Rate/Term and Cash Out (6 Months Purchase/Title Seasoning for “Current Market Value”) Wage earners may qualify
12 month P&L statement along with 3 months bank statements to support P&L (10%-25% variance)..
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
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
Self-Employed Borrower Income Documentation Portfolio direct lender functions as a direct lender boasting its unique portfolio loan of products and programs. They autonomously determine Non-QM
The Stated Income/Verified Assets (SIVA) Jumbo Loan Program, updated July 10, 2025, offers a high-net-worth, asset-based pathway to home financing without requiring tax returns or
The Non-QM Bank Statement Loan Program offers flexible underwriting with a maximum Debt-to-Income (DTI) ratio of 55% for loans up to $2,000,000, with even higher
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
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
Self-Employed Borrowers – Forms 4506-T / 4506-C Not Required This Alt Doc Home Loan program allows you to qualify using bank statements, providing a flexible
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
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 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).
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
A Second Mortgage Bank Statement Loan allows qualified homeowners to access equity without refinancing their first mortgage. Using 12 to 24 months of personal or
Non-QM Stated Expense Ratio mortgage programs for self-employed borrowers using alternative income documentation. Bank statement lenders apply varying expense percentage rates to estimate business costs—key
Super jumbo investor financing is available for loan amounts up to $30,000,000. The program uses manual underwriting and in-house credit decisions for real estate investors