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Qualify for a Jumbo Bank Statement Loan up to $10 million with no tax returns required. Designed for self-employed and W-2 co-borrowers using 24 months of bank statements.
Our Portfolio Closed End Second program with Alt Doc, 1099 Only, Bank Statement, and P&L Only mortgage solutions.
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
Bank Statement Loans for Self Employed Borrowers Whether you’re purchasing your first home or expanding your real estate portfolio, these loans adapt to your income
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 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
3-Month Bank Statement Loan. Use either 3 months of business or personal bank statements as an alternative to the 6-month, 12-month, and 24-month programs. Ideal
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
The One-Month Alt-Doc Bank Statement Jumbo program offered self-employed borrowers by allowing approval with only the most recent month’s bank statement—no tax returns required. This
Non-Prime – One Day Out of a Short Sale or Foreclosure Loan This loan is for people that have recently either foreclosed or short sold
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
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
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
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.
Self-Employed Mortgage One Month Bank Statement Option One-Month Bank Statement Loan for Self-Employed: A flexible mortgage solution for purchases, rate/term refinances, and cash-out options. Ideal
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
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
Stated Income / No Doc This hard money asset-based stated income / No Doc loan program is designed for borrowers who need an asset-based lending
Discover our comprehensive Bank Statement Non-Prime Loan Program, offering flexible solutions for diverse financial profiles on our Non-Prime mortgages.
The Non-Qualified Mortgage Jumbo (55% DTI) program is designed for borrowers who may not have traditional documentation like tax returns, W-2s, or pay stubs. It
12-Month Bridge Loan: short-term loan up to $30M, up to 75% LTV. Tap your property equity fast before sale. Credit score min 620.
Alt-Doc for Real-Estate Investors: Rent & business bank statements, lease income or Airbnb qualify. Flexible docs, no tax returns required.
12 month P&L statement along with 3 months bank statements to support P&L (10%-25% variance)..
The P&L Only Mortgage Loan Program provides a streamlined, alternative documentation solution for borrowers with complex or unconventional income. Instead of traditional tax filings, applicants
Qualifying for a mortgage on an investment property can be tricky, particularly if you own multiple properties. The DSCR (Debt Service Coverage Ratio) option makes
1099 Only mortgage for Independent Contractors with one or two year self-employment histor.
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 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.
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
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
Subprime bank-statement loan: Alt-doc financing using bank statements for income. Higher-risk, flexible qualification even with credit blemishes.
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
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
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
Asset Qualifier Portfolio Mortgage with asset-based income documentation. Ideal for borrowers using 1099s (sole proprietors) to demonstrate ability to repay. Allows DTI ratios up to
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
Qualify for an Asset Depletion Mortgage up to $5 million without tax returns. This program allows self-employed and W-2 borrowers to use verified assets as
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
Alt Doc Loans Bank Statement Loans Bank Statement Mortgages Jumbo Loan Programs Jumbo Loans
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,
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
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