Flexible Lending Solutions for Self-Employed Borrowers
Our bank statement loans cater to self-employed individuals who rely on bank statements instead of tax returns. Key features include 12- or 24-month bank statement options, personal or business statements, as little as 10% down, credit scores as low as 620, and loans up to $3,500,000. Debt-to-income ratios up to 50% are accepted, and you can combine bank statement income with other sources for greater flexibility.
Designed to meet the unique financial needs of self-employed borrowers, our bank statement loans offer a streamlined path to homeownership. With flexible down payment options, competitive loan amounts, and the ability to combine multiple income streams, this solution simplifies the lending process for those who may not qualify through traditional methods.
Bank Statement Mortgage Loan Program for Self-Employed Borrowers
Our bank statement mortgage loan program is tailored for self-employed individuals who use bank statements instead of tax returns to verify income. Key features include 12- or 24-month personal or business bank statements, down payments as low as 10%, and credit scores starting at 620.
Non-QM Mortgage Lender Offering Flexible Loan Options
As a Non-QM mortgage lender, we offer loans up to $3.5 million with a DTI ratio of up to 50%. Borrowers can combine bank statement income with other sources for increased flexibility.
Debt Service Coverage Ratio Mortgage Loan Program
Our Debt Service Coverage Ratio (DSCR) mortgage loan program is designed for investors, high-net-worth individuals, and self-employed borrowers. Qualification is based on the property’s rental income, with DSCR calculated as gross rental income divided by P(I)TIA. This program accommodates 1-4 family homes, condos, and 5-8 residential units.
Non-QM Mortgage Lender Offering DSCR Loans
As a Non-QM mortgage lender, we provide loans up to $2.5 million with no TRID waiting periods. Borrowers can close in an LLC or corporation, with credit scores as low as 620 and DSCR ratios down to 0.75.
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