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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 or DSCR (Debt Service Coverage Ratio) alternatives—ideal for investors seeking streamlined qualification using property cash flow instead of traditional income.
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.
When applying for a Bank Statement Loan, it’s important to understand that Non-QM lenders require a Business Description as part of the underwriting process. Whether submitting for pre-qualification or full underwriting, lenders will request a detailed summary of your business. Some lenders refer to this as a Business Narrative 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 solution. This program does not require income documentation, making it ideal for those who may not qualify through traditional methods. Manual Underwriting We offer flexibility
Hard money jumbo loans in California offer flexible financing with no personal income verification, allowing borrowers to qualify based on liquid assets for reduced investor pricing and potential underwriting exceptions.
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 or traditional income documentation required. Income is based on rental leases or appraisal. No DTI ratio applies, and credit score, LTV, and reserves are key
Fix & Flip Flexible Capital Program: At Broker Mortgages, our Fix & Flip Program gives real estate investors the financial power to acquire, renovate, and resell properties quickly — without the long wait times of traditional lenders. Whether you’re a seasoned house flipper or exploring your first rehab project, our
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 Investors. DSCR Investor Loans support both purchase and cash-out refinancing options. Qualify for up to $10 million with an 85% LTV, a minimum DSCR of
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 who may require financing outside standard jumbo or conventional lending guidelines. Personal income documentation is not required. Qualification is based on the property, borrower credit
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 limits. Program guidelines are designed for flexibility, with no income verification and qualification based on property cash flow.
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.
This program enables primary owner-occupied loans from $500,000 to $5,000,000 for purchase, refinance, cash-out, construction, bridge, or blanket financing.
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.
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 up to $10 million on a case-by-case basis. Structured as a non-QM, hard money solution, it provides flexible qualification outside conventional underwriting.
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 needed.
Super Jumbo Hard Money Loan Program 1st, 2nd, and 3rd Stand-Alone Mortgage | Forms 4506-T and 4506-C Not Required LTV – 70% to 75% depending on property location and property condition Eligible Occupancies: * Owner-Occupied (Business Purpose) * Non-Owner Occupied Eligible Property Types: * Residential (SFR, 2-unit, 4-unit) & Commercial
Hard Money Loan Program All Property Types (Except Land & Manufactured Homes) 1st Trust Deeds Available and 2nd Trust Deed HELOC’s from $250,000 – $10,000,000 Guideline Highlights Bridge Loans Current NOD / NOS = OK Current Bankruptcy = OK Mortgage Lates = OK Low Fico Scores = OK Quick Funding
A lender committed to providing gap financing solutions 1st and 2nd Loan Packages Cross collateralization for larger loan sizes Fast underwriting decisions and funding Additional information coming soon Available in the Following States: Alabama, Alaska, Arizona, Arkansas, California, Delaware, Florida, Georgia, Hawaii, Illinois, Maine, Maryland, Massachusetts, Mississippi, Nevada, New Jersey,