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Bank Statement loans: lenders, loan programs: , guidelines, requirements categorized. Qualification details, VOE verification methods, etc.
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.
Solutions Non-QM Non-QM lender now allows you to qualify using a flat 20% expense ratio across all industries and without requiring a business narrative. * Qualify using a 50%-90% expense factor no additional expense information is required. * For borrowers with a business that operates with a lower expense factor we will still accept an accountant expense letter as an alternative.* Non-Permanent Residents: Temporary Protected Status (TPS) must be verified on the USCIS website. Note: This expense factor update
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 terms, multiple property types, and no mortgage insurance make this a strong solution for entrepreneurs and investors.
Solve Mortgage Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Non-QM Lender We invite you to explore our flexible guidelines and determine if they align with your requirements. Alt Doc (12 months): One Year W2’S or One Year Tax Return or 1099 Qualify Using Previous Year Income Wage Earner: W2 + YTD Paystub Self-Employed : YTD P&L Up to 90% LTV Additional information on this lender coming soon!
Non-QM lender offering bank statement loan programs, Foreign National loan programs, Non-Prime loan programs, ITIN investor loans, Asset Depletion and DSCR loans. Come see our guidelines and requirements.
Oak Tree Funding Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Oaktree Funding: Your Premier Non-Qualified Mortgage Lender G Non-Agency Equity HELOC Investor Professional Investor Cash Flow Advantage Platinum Advantage Full Stack Mortgage Pre-Qualification Form – No Credit Check
AD Mortgage Offers the Following Programs DSCR Program Our business purpose mortgage loan program is tailored to meet the needs of real estate investors seeking flexibility and efficiency. With no income or employment verification required, and no need to meet debt service coverage ratio (DSCR) requirements, this program offers a hassle-free path to securing financing. Mortgage Pre-Qualification Form – No Credit Check 12 and 24 Month Bank Statements Flexible Qualification for Self-Employed Borrowers Self-employed borrowers qualify with either 12
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.
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 qualifying simple: The only income considered to determine qualification is the rental income from the subject property vs. the PITIA payment. No DTI is developed. DSCR Cash Out Refinance The DSCR option makes qualifying for a Cash Out refinance simple: The only income considered to determine qualification is the rental income from the subject
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 documentation. This lite documentation (Lite Doc) mortgage program supports purchase, rate-and-term refinance, and cash-out refinance transactions for qualifying borrowers. Program Overview and Loan Highlights Income Documentation – Self-Employed (Lite Doc Options) Verification of Employment – Self-Employed Co-Borrower and Wage Earner Eligibility W-2 wage earner co-borrowers are permitted. Required Wage Earner Documentation: Credit and Debt
Super Jumbo Investor Mortgage | DSCR. A specialized DSCR loan program for real estate investors with a minimum credit score of 620. Offers up to 85% LTV for purchase transactions, 80% for cash-out refinance, and loan amounts up to $15,000,000. Income verified through rental leases or appraisal form 1007.
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 Alt Doc Bank Statement Loans to $10,000,000 Now you can use your 1099(s) to qualify as additional income/”ability to repay” (ATR) Non-QM loans are not subject to stringent guidelines and government regulation, rather, they fall under what is called an Ability to Repay Rule (ATR). We have a plethora of the best QM and Non-QM lenders and loan programs for this very reason, to accommodate individuals by matching you, the borrower with the best possible loan program to
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, eliminating the need for traditional income verification. Ideal for high-net-worth individuals seeking flexible financing.
Non-Qualified Mortgage Lender Serving California Non-QM lender offering Non-QM loan programs to California self-employed borrowers. California business owners need flexible non-qualified underwriter guidelines with favorable pricing, reasonable terms, and advantageous approval conditions (Conditional Loan Approval | CLA)) to increase their chances of getting approved for a reasonable mortgage without being required to produce documentation that will almost always eliminate their chances for success in obtaining an effective income documentation self-employed home loan approval. IRS Form 4506-T and 4506-C Not
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).
Our 24-Month Bank Statement Program offers a streamlined alternative: instead of relying on tax returns, you can qualify using up to two years of business or personal bank statements (or both), combined with a borrower-prepared profit & loss statement. This approach is designed for flexibility and ease of qualification, making it simpler to access financing for purchases or refinances, including cash-out options.
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 using personal or business bank statements, including commingled accounts is OK to verify income. Super Jumbo options are available, allowing high loan amounts without traditional income documentation. These loans suit non-prime borrowers seeking tailored solutions. Commingle Business and Personal Bank Account Statements Experience adaptable Non-QM income documentation options designed for self-employed borrowers. Use personal,
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 IRS Form 4506-C. Borrowers may qualify using verified assets.
Borrow up to $3M with jumbo hard money loans at 80% LTV for fix & flip, bridge, construction & more. No 4506-T required, flexible income docs.
Income is stated on Form 1003 without tax returns; self-employed borrowers with 30 % ownership provide bank statements and verified assets to qualify.
Our Bank Statement Mortgage Program offers self-employed borrowers and independent contractors a flexible financing solution without traditional income verification. Qualify using 24 months of personal or business bank statements with loan amounts up to $5,000,000 and LTVs up to 90%.
Non-Prime Jumbo Program Loan Amount – $3,500,000 600 Credit Score Jumbo Mortgage Program, designed to provide accessible financing solutions for discerning investors. With loan amounts up to $3,500,000, our Alt Doc Super Jumbo program offers competitive terms. Alt Doc Super Jumbo – 90% LTV Loan-to-Value (LTV) ratio. Eligible property types include Single Family Residences and Condos with less than 4 stories. Our terms offer Adjustable Rate Mortgages (ARMs) for better pricing. Purchasing to 80% LTV or cash-out refinancing at
This Jumbo Loan program helps borrowers that have experienced a credit event get approved for up to $4,000,000. Occupies include second homes, and investment properties plus no PMI down payment sources in California available.
12-Month Bank Statement Program expands its reach with low-doc qualifications for self-employed borrowers including sole proprietors and independent contractors, requiring only a 12-month average of gross deposits instead of traditional 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 high-net-worth borrowers seeking large loan amounts with alternative income verification.