All of the following loan programs are all unique or what is called a niche loan program.
3 Month Non-Prime Bank Statement Mortgage Loan Program We offer a flexible 3-month bank statement program as an alternative to traditional 6-, 12-, or 24-month
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
Second mortgage bank statement loans are crucial for self-employed individuals who may not qualify for traditional loans due to irregular income or complex tax returns, etc. These programs allow borrowers to use bank statements instead of tax returns to verify income, making it easier to access home equity. Lenders offering these loans provide reasonable qualification criteria, helping self-employed individuals secure funds for debt consolidation, home improvements, or investments without strict income documentation requirements.
FHA DPA Purchase Only 580 Minimum Credit Score (middle of 3 or lower of 2) * Exceptions down to 500 Credit Score * Manual Underwriting
Bank Statement Loan Program for Self-Employed Borrowers 12 Month Bank Statement Loan – $4,000,000 – 90% LTV Our programs are designed to simplify financing for
Borrowers can secure loans with FICO scores as low as 680 and enjoy loan-to-value (LTV) ratios of up to 85% for amounts up to $1,250,000.
California Only Non-Prime Available DSCR Available No title seasoning required for a Cash Out refinance Primary Residence to $2,000,000 Credit Score Matrix Credit Score Purchase
12 Month and 24 Month Bank Statement Loan for Self-Employed Borrowers Non-QM Financing Options This Bank Statement Loan Program enables individuals with complex tax deductions
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
DSCR Loans give real estate investors to expand their portfolios by leveraging cash flow, offering flexibility and powerful financing options. This program not only supports
This 12-Month Bank Statement Jumbo Program is designed for self-employed borrowers and those with non-traditional income sources, providing flexible financing options for high-value properties. Purchase
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
This is a great loan program for you and your 90% LTV – 720 Minimum – $2,500,000 More loan program information coming soon.
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
The DSCR Mortgage Loan Program offers financing options with a Debt Service Coverage Ratio as low as 0.75. Borrowers can choose from adjustable-rate mortgages (ARMs)
Flex Supreme, a leading Non-QM loan program offering top-tier pricing for financially stable borrowers with or without credit challenges. Ideal for non-prime lending solutions.
DSCR No Ratio/Foreign National Our flexible options with DSCR, No Ratio makes it easy to purchase or refinance (including Cash Out) Foreign National loans OK
Our manual underwriting process for DSCR loans provides the flexibility to evaluate loans comprehensively, allowing for more credit approval decisions. LTV up to 85% on
Bank Statement Loan $4,000,000. Max LTV 85% Bank Statement Jumbo Mortgage: Borrow up to $4,000,000 with a maximum 90% LTV Maximum LTV/ Minimum Credit Score
Non-QM Mortgage Broker Service We can have the income figured out $X/Mo) and signed off to the dollar to make sure the numbers fit before jumping
3 Months Bank Statements Alt Doc Type Three Months Bank Statements (business, personal or both (multiple accounts OK) accounts if income deposit activity can be
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
1099 Only Super Jumbo Loan Program – $7,500,000 1099 mortgage loan programs accommodate Sole proprietors, Independent Contractors, and Freelance Professionals. Non-Occupying Co-Borrowers OK. On a
The Real Estate Investor Program offers flexible income documentation options, including Full Doc or DSCR (Debt Service Coverage Ratio) Purpose: Purchase or Cash Out Refinance
Debt Service Coverage Ratio (DSCR) continues to be popular with real estate investors. Below are guidelines using Long- and Short-Term Rental Income. We can use
Alternative Income Documentation: 12 Months Bank Statements Income verification is not required for the bank statement second mortgage loan program. Instead of traditional income documentation,
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
“DSCR” stands for Debt Service Coverage Ratio loans, which allow real estate investors to qualify based on property cash flow rather than personal income.
Benefits of DSCR Loans:
No Personal Income Verification – Approval is based on rental income.
Easier Qualification – Ideal for self-employed investors.
Flexible Loan Options – Available for various property types.
Fast Closing – Less paperwork speeds up approval.
For more details on DSCR and other loan programs, see below.
1099 Only Lite Doc Income Documentation Bank Statement Loan | 660 Credit Score – 90% LTV to $1,500,000 * 1-Year Income and Employment Verification Documentation,
DSCR First Time Investor Loan OK Our DSCR cash flow loan offers borrowers an interest-only option to qualify using the interest-only payment plus escrows. This
Bank Statement Second Mortgage Loan Program A Stand-Alone Second Mortgage, also known as a second lien mortgage, allows borrowers to access home equity while keeping
Bank Statement Alt Doc Options Available – 2025 Updates We calculate your monthly income number (DTI purposes) before your loan is submitted to the underwriter
Bank Statement and Asset Depletion Non-QM loan program uses bank statements In lieu of Traditional Income Documentation to determine a borrower’s Ability-to-Repay. Agency – government
New Jumbo Guidelines with Loan Amounts to $10,000,000 Most Non-QM lenders require a 620 minimum credit score to qualify for 85% LTV Cash Out for
Unconventional Real Estate Investor (DSCR) Loan Program Debt Service Coverage Ratio – 620 Minimum Credit Score Underwriter Guideline Highlights: * Maximum LTV 85% Purchase Transactions
Lite Doc – 1 Year 1099 Only Income Documentation Program Purchase, Rate/Term – 600 Credit Score – 80% LTV – $1,500,000 Loan Amounts: $250.000 to
Non-QM Mortgage Broker | Self-Employed Home Loans Alternative Bank Statement Income Bank statement lenders apply varying underwriting guidelines for expense percentage ratios, also referred to
1099 Only mortgage for Independent Contractors with one or two year self-employment histor.
..excerpt from edit page of Bank Statement Mortgage Documentation
1099 Only Lite Doc Income Documentation Bank Statement Loan | 660 Credit Score – 90% LTV to $1,500,000 * 1-Year Income and Employment Verification Documentation,
Condo Mortgage Program 90% LTV to $2,500,000 Purpose: Purchase, Refinance Cash Out * 90% LTV – $2,000,000 – 700 Credit Score * 90% LTV – $1,500,000 –
DSCR Debt Service Coverage Ratio Loan Program Debt Service Coverage Ratio Loan Program Guidelines and Requirements Experienced Real Estate Investors – 25 Financed Properties –
Condo Mortgage Program 90% LTV to $2,500,000 Purpose: Purchase, Refinance Cash Out 80% LTV – $4,000,000 – 740 Credit Score 80% LTV – $3,500,000 –
Second Mortgage Bank Statement Loan Loan Purpose: Purpose: Second Mortgage/ Cash Out/ Debt Consolidation (cash out can be used to meet reserve requirement) Alternative Self-Employed
This loan program is designed for home-buyers (purchase transaction) and home-owners (refinance transaction) that do not want to provide (Form 4506-T not required and Form
Unconventional Mortgages and Loans High 95% LTV Cash Out Financing 5% Down Payment for your Jumbo purchase or 95% LTV Jumbo financing for Rate /
Non-Prime Alt Doc Self-Employed Program Non-Prime mortgages are not only for challenged credit borrowers, but also good and excellent credit borrowers that require a higher