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The 12-Month Bank Statement Loan is designed for self-employed and 1099 borrowers who prefer simplified documentation. Instead of tax returns, approval is based on bank statements, with financing up to $4 million and loan-to-value ratios as high as 90%. Flexible
Home Loan Without Tax Returns Self-Employed borrowers often lack the ability to utilize their tax returns to qualify for suitable mortgage financing.. Our Bank Statement Program provides eligible self-employed borrowers the flexibility to qualify for loan amounts up to $5
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
Six Alternative Income Verification Options This 3 month, 6 month, 12 month, or 24 month bank statement Non-QM loan program uses bank statements in lieu
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
The Non-Prime / Non-Qualified Lender Programs offer flexible mortgage solutions for borrowers with unconventional financial profiles—like those with lower credit scores or alternative income documentation.
Super Jumbo Bank Financing up to $30 Million. Portfolio mortgage with flexible Lite Doc options, including 1099 Only income documentation up to $3M. Designed for
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
The Bank Statement Loans highlights a suite self-employed borrowers that cannot provide conventional income documentation including the 12-Month Bank Statement option to enable qualification using
Super Jumbo Investor Mortgage | DSCR. A specialized DSCR loan program for real estate investors with a minimum credit score of 620. Offers up to
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
Super Jumbo Loan Amounts to $30,000,000 Non-Prime/ Manual Underwrite Super Jumbo Common Sense Manual Underwriting and in-house decisions. Final decision with second signature requirement. Income
Prime & Non-Prime | Self-Employed Borrowers Our Investor Bank Statement Loan program caters to borrowers who thrive outside the conventional lending box. As a portfolio
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
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
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
The “Bank Statement Mortgage Documentation” documentation requirements for self-employed borrowers researching bank statement mortgage loan programs and eligibility requirements.
Subprime bank-statement loan: Alt-doc financing using bank statements for income. Higher-risk, flexible qualification even with credit blemishes.
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
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
Federal Tax Transcripts Not Required Qualifying Criteria for this loan program are Asset Based. This program can also be used to supplement additional alt doc
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
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
Purchase or Cash Out Refinance options available with a minimum 620 credit score. The Real Estate Investor Program provides flexible income documentation, including Full Doc
6-Month Bank Statement Loan – 680 Credit Score This Six-Month Bank Statement Loan program caters to borrowers with a 680 credit score or higher, designed specifically for
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
Borrow up to $3M with jumbo hard money loans at 80% LTV for fix & flip, bridge, construction & more. No 4506-T required, flexible income
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
Business Purpose Investor Loan Programs Loan programs for homebuyers and homeowners looking to refinance, rate/Term and Cash Out their Single-Family Residence, Condo or Multi-Unit including
Asset depletion mortgage: Use liquid assets (cash, investments, retirement) as qualifying “income.” No W-2s or tax returns required—ideal for asset-rich borrowers.
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
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.
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
A flexible 12-month bank statement loan program designed for self-employed borrowers and business owners, offering up to 85% LTV with alternative income documentation. W-2 co-borrowers
Discover our comprehensive Bank Statement Non-Prime Loan Program, offering flexible solutions for diverse financial profiles on our Non-Prime mortgages.
California SIVA program: State income on the 1003, verify assets (no tax returns/W-2s), up to $3,500,000 purchase or $2,000.000 cash-out refinance.
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
Real Estate Investor Loan: Up to 12 Financed Properties OK Borrower can own unlimited properties, but only 10 can have a mortgage lien 680 Middle
The Bank Statement Loans highlights a suite self-employed borrowers that cannot provide conventional income documentation including the 12-Month Bank Statement option to enable qualification using
The Hard Money Super Jumbo Florida Mortgage Program offers rapid, equity-based financing—supporting purchase, rate-and-term, and cash-out refinances—for loan amounts starting at $5 million and extending
1099 Only mortgage for Independent Contractors with one or two year self-employment histor.
One-year tax-return alt-doc loan with up to 90% LTV; ideal for self-employed or recent income increase. Primary, second, & investment properties eligible.
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