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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 loan amounts permissible at reduced DTIs (e.g., 50% DTI up to $2.5M, 43% up to
Non-Prime – No Income and No Employment DTI up to 60% (back-end (dti) – total monthly payment sum divided by your total monthly payments (as they appear on your credit report (including REO portfolio). Use minimum payment on credit cards/revolving
Hard Money Loan Program Guideline Overview Interest-Only Payment Term Available * Loan Amounts: * $250,000 – $7,500,000 Property Types: * SFR (Single Family Residence) * 1-2 Units * 2-4 Units Loan-to-Value (LTV) Ratios: * 80% LTP (Loan-to-Purchase) + 100% of Rehab Expense * 70% ARV (After Repair Value) * Reserves Not Required Available in the Following States: Alabama, Arizona, California, Colorado, Connecticut, Florida, Georgia, Hawaii, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Jersey, North Carolina, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, and Washington.
Income Documentation Alternative for the Well Qualified Self-Employed Borrower November 2024 Stated Income Loan – Tax Returns Not Required This Stated Income Mortgage loan program will be supported by the cash flow of bank statements and is for the Self-Employed borrower only. Stated Income / Verified Assets SIVA – Forms 4506-T and 4506-C Not Required Employment Type: Self-Employed only (30% ownership minimum). Employment Verification: Business license and or CPA letter depending on business industry showing 2-year minimum same line of business verifying the name of the business, the percentage of ownership business phone number will be verified by both
No income or asset documentation required—no 4506-T or 4506-C forms needed. As of June 2025, tax returns are not required for self-employed or W-2 borrowers. These portfolio programs support Purchase, Refinance, and Cash-Out Refinance scenarios, offering a simplified path to funding.
Nationwide Private Mortgage Lender Unique mortgage loan program designed for the Residential Real Estate Investor This is a Private Money lender that has funded thousands of loans nationwide, and makes all decisions in-house with over $200,000,000 to lend. Over 25 years of real estate investing experience; they know how to underwrite a loan. They also offer 3-year terms for borrowers with longer-term projects as well as traditional bridge funding. An investor can close in a natural person’s name or business entity. No Income No Asset Verification – Forms 4506-C Not Required This is a true No Doc hard/soft money
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.
The Non-Qualified Mortgage Jumbo (55% DTI) program is designed for borrowers who may not have traditional documentation like tax returns, W-2s, or pay stubs. It offers flexible income verification via 1099-only, bank statement, asset depletion, P&L-only (unaudited), Alt-Doc (24 months), Lite-Doc (12 months), or Reduced-Doc employment packages—depending on documentation availability. Borrowers may qualify with up to 90% LTV for purchase, 85% for rate/term refinance, and 80% for cash-out refinance, with a generous 55% debt-to-income limit, extended amortization options, and interest-only payment flexibility. Minimum credit score typically starts around 660 middle score, and major credit events like bankruptcy, foreclosure, or
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, business, or commingled bank statements to verify income with ease. These loans offer unmatched versatility, eliminating the need for traditional
Jumbo Bank Statement Program – 620 Credit Score Self-Employed including Sole Proprietor 1099 Independent Contractors as well as W2 Commission Professionals. Now you can also use your 1099(s) for to qualify (sole proprietor) as additional income/”ability to repay” 3 Bank Statement mortgage options that provide flexibility for business owners that utilize both their personal account and Business account for business expenses, income deposits, transfer activity. In addition, this program also offers a P&L Only Program, also for self-employed borrowers. Interest only term flexibility. too. Alternative Documentation Options Super Jumbo to $10,000,000 * 6-, 12- or 24-Months Bank Statements from
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 those demonstrating substantial income growth in the recent six months. This Non-QM mortgage option provides flexibility for self-employed individuals and business owners who may not qualify through traditional income verification. Our Right Mortgage is Your Ideal Approval This Bank Statement Loan program is ideal for borrowers that have experienced significant revenue growth in the previous six months in contrast to the previous 6-24 months. Income Documentation Type: Lite Doc 6 Months bank statements in
Bank Statement Loans for Self Employed Borrowers Whether you’re purchasing your first home or expanding your real estate portfolio, these loans adapt to your income profile and make your homeownership goals achievable. Bank statement loans are a game-changer for self-employed individuals seeking home financing. These loans allow the use of personal or business bank account statements to qualify, bypassing traditional income verification requirements. For self-employed homebuyers, Non-QM mortgage lending provides flexibility. Alt-doc loans empower those with unique income structures, offering a straightforward path to homeownership. This option is ideal for freelancers, entrepreneurs, and small business owners who may not
Niche Loan Non-Prime Mortgage Our non-prime jumbo mortgage loan program offers flexible financing options, allowing borrowers to qualify using either 12 or 24 months of bank statements. Bank Statement Program for Self-Employed, 24 months This program is designed to meet the needs of those who may not fit full income documentation criteria while seeking substantial loan amount options to consider. Speak to a Loan Officer (800) 718-8906. Non-Prime Bank Statement Cash-Out Programs This loan program includes cash-out options, allowing you to access up to $3,500,000 in loan amounts. Highlights of this program include the ability to take unlimited cash
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 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 0.85, and a 620 middle credit score. Ideal for real estate investors. Debt Service Coverage Ratio – Jumbo Loan Alt Doc – Bank Statement Loans Available Unconventional DTI – 65% Credit Seasoning Title Vesting and Lending Loan Scenario Form – No Cost – No Credit Check Available in the
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.
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 assets and stated income. Available for primary residence financing with a minimum 660 credit score.
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 risk and more aggressive loan program; 95% LTV Cash Out refinance would be one example. Non-Prime Loan Program Highlights: * Available for Purchase and Rate/Term or Cash Out refinance. Maximum Cash Out $1,500,000. * Third party CPA Letter – The “CPA letter” does not need to be the same CPA that filled your taxes. Any (CPA) or Enrolled Agent (EA) – OK! * Applicable Industry License – License Regulator * License Bureau or equivalent
Prime and Non-Prime Bank Statement Options | Self-Employed Borrowers Portfolio Direct Lender is a specialized direct lender offering an exclusive portfolio of loan products and programs. They make independent underwriting decisions for Non-QM and Non-Prime loans, ensuring a tailored lending experience Credit Leniency and Underwriter Discretion Solutions This loan program works well for borrower’s that fall outside the standard Non-QM box with credit scores as low as 600 and minimal tradelines required. Major credit events only require 2 years of seasoning. Mortgage lates OK not to exceed 3 x 60 x 24 (6-60 day lates, including “rolling lates”), within
Jumbo Second Mortgage | Alt Doc + Minimum Mortgage Credit Score: 680 Available Terms – 15- or 20 Year Fixed Rate Second Mortgages. Available for Refinance or Purchase HELOCs available on Refinances (except Texas) Loan Amounts: Maximum Loan Amount $350,000 Minimum Loan Amount $200,000 $100,000 Minimum Loan Amount on HELOCs Stand Alone or Combo (1st and 2nd) Loan Packages Available Property Types: Single Family Residence, 1-2 Units, Condos (<4 stories) Occupancy: Owner Occupied. Non-Owner-Occupied Available in the Following States: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Louisiana, Maryland, Massachusetts, Mississippi, Missouri,
Self-Employed Home Loan 600 Credit Score Self-employed borrowers with credit scores as low as 600 can access flexible home financing through our alt doc mortgage programs. These loans are tailored for business owners, freelancers, and entrepreneurs who may not qualify through traditional income verification. 12 Months Bank Statements – 90% LTV – 680 Credit Score Go with our 12-Month Bank Statement Loan, which requires only one year of bank statements and employment verification. Borrowers with a 680 credit score can qualify for up to 90% LTV, while those with Non-Prime scores (620+) may still be eligible at slightly reduced
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 bank statements providing a flexible, documentation-light path to financing.
The P&L Only Mortgage Loan Program provides a streamlined, alternative documentation solution for borrowers with complex or unconventional income. Instead of traditional tax filings, applicants can use a 12-month profit and loss (P&L) statement—prepared by a CPA, CTEC, attorney, or EA—to verify income. The program supports up to 85% LTV for purchases and rate-and-term refinances, and 80% for cash-out refinances, with flexible terms for credit scores of 640 and above, including jumbo amounts up to $4 million.
Alt-Doc for Real-Estate Investors: Rent & business bank statements, lease income or Airbnb qualify. Flexible docs, no tax returns required.
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 Credit Score | 85% Maximum LTV * No Ratio Income Documentation * Leases (or appraisal form 1007) Six months Reserves required for the subject property plus 6 months liquid reserves for every property that is currently being financed. (Cash out can cover reserve requirement) Jumbo Loan Amounts * $250,000 * $4,000,000 Property Types * Single Family Residence * Non-Warrantable Condo * 2 Units * PUD Occupancies * Owner-Occupied * Non-Owner-Occupied * Second Home Underwriter
Maximum Loan Amount Investor Mortgage – $3,500,000 This investment property loan program provides up to $3,000,000 for purchases and rate-term refinances, with cash-out refinancing available up to $1,500,000. Available for investment properties, non-owner-occupied homes, and second homes, the program allows real estate investors to own up to 20 financed properties. Income Documentation N/A Minimum Credit Score/ Maximum LTV: * 700 Credit Score – 90% LTV * 680 Credit Score – 85% LTV * 660 Credit Score – 80% LTV * 640 Credit Score – 75% LTV Eligible Property Types: * SFR Single Family Residence * 2-unit * 4-unit Eligible
Reduced Doc | 12 Months We can help new business owners or self-employed borrowers who experienced a greater amount of income last year compared to the previous year. Reduced Income Documentation and Reduced Employment Verification Documentation This loan program is ideal for self-employed borrowers because income tax write-offs reduce the amount of revenue that the underwriter can consider and self-employed borrowers need to prove employment and income stability, usually back two years. Verification of Employment (VOE) Employment Highlights Self-Employed and/or W2 Wage Earner LTV /Loan Amount, and Credit Score Eligible Property Types /LTV Eligible Occupancies Credit Highlights Credit Criteria
Our ARV construction loan enables investors to finance the purchase and renovation of a property, leveraging the expected increase in value after repairs are completed. After Repair Value Rehab Loan Program Explained An “After Repair Value” (ARV) construction loan is designed to provide financing for real estate investors looking to purchase and rehabilitate properties. After Repair Value Hard Money Loan Purchase and Rehab The process involves careful planning, regular inspections, and adherence to the agreed-upon renovation schedule to ensure the project’s success and secure the necessary funding. Here’s how it work with most lenders that offer this product: Initial
1099 Only mortgage for Independent Contractors with one or two year self-employment histor.
24-Month Business & Personal Commingled Bank Account Mortgage. A specialized program allowing the use of both business and personal bank statements for qualification. Perfect for self-employed borrowers whose bank statements have previously hindered approval, offering flexible financing solutions.
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.
The Non-Prime Bank Statement Loan (620 Credit Score) is a Non-QM non-traditional income documentation. qualifY using 1 to 24 consecutive months of recent bank statements—with or without reduced-doc or alt-doc options like 1099 income—in lieu of standard tax returns. Designed for applicants with a minimum 620 credit score, the program supports purchase or refinance loans up to $2,500,000 at 80% LTV and enables cash-out refinances up to $1,500,000 in cash-in-hand.
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.
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.
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.
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.
High LTV Hard Money Jumbo Loan This hard money loan program can be applied to a variety of loan types including Fix and Flip, Blanket Loan, Bridge Loan, and Construction. Foreclosure Bailout Exceptions We can bail you out of any “housing event”, Short Sale, Foreclosure, Bankruptcy, Notice of Default (NOD), Notice of Sale (NOS). Maximum LTV: 80%. (85% on exception) This hard money residential loan features an extremely high loan-to-value (LTV) ratio of 80%. Most hard money lenders max out at 70%, sometimes 75%. So, 80% is significant and speaks to the aggressive nature of this hard money lender.
Self-Employed Borrowers – Forms 4506-T / 4506-C Not Required This Alt Doc Home Loan program allows you to qualify using bank statements, providing a flexible solution for millions of self-employed Americans, making homeownership more accessible for those who do not or cannot use their traditional income documentation. Full Income Documentation Alternative – Bank Statements With our program, you can qualify using bank statements, making it easier for self-employed people to obtain reasonable mortgage financing. Alternative Income Documentation for Self-Employed Borrowers Self-Employed borrowers do not want to provide Full Doc income documentation to qualify for a mortgage. Moreover, do not
Super Jumbo Real Estate Investor Loan Program to $5,000,000 This investor program was created for seasoned professional Business Purpose Real Estate Investors for most property types without being required to reveal any sort of conventional income documentation or Verification of Employment documentation and is qualified based on Credit Score/FICO and Cash-Flow of Subject Property. A key qualification for this type of mortgage is the borrower must own their current primary residence. Exceptions can be made to this guideline if the current primary residence is considerably less in size and quality to the subject property. This loan is a great option
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 – One Day Out of a Short Sale or Foreclosure Loan This loan is for people that have recently either foreclosed or short sold their property. If you have a recent short sale or foreclosure, this loan option could help you get into a home. No seasoning requirement for these housing events Jumbo Loan Amount to $3,000,000 Loan Purpose: * Purchase * Refinance * Cash Out Refinance * Cash Out Refinance – $750,000 Maximum Cash Out (cash-in-hand) Credit Scores / LTV / Loan Amount / Reserves Requirements: * 680 Credit Score – 80% LTV to $3,000,000 with 12
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 Documentation Not Required Property Types: * Single Family Residence * 2 Units * 1-4 units Highlights: * Interest Only Available Including Cash Out Refinance * Unlimited Cash Out * Bridge Financing Available * Reverse 1031 Available * Cross Collateralization to Leverage Borrowers Investment Properties – 80% LTV * DTI > 50%+ OK * Gift Funds OK * Cash Out Qualifies for Cash Reserves * Departing Residence – New Rents Allowed * First Time Investors
Hard Money Loans Our mission is to help individuals, investors, builders, developers, foreign nationals, and all legal entities including foreign legal entities obtain alternative real estate financing options to assist in a diverse real estate market (usually understood as Hard Money loans). We are a unique Hard Money Loan service for a variety of real estate transactions, including investor purchase loans; refinance cash out option; new construction; second trust deeds; third trust deeds (Hard Money); refinance loans for primary and investment properties; fix and flips; rehab projects; probate properties; rental properties’ non-warrantable condos; mixed-use; mobile manufactured homes; rural area
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 Non-Qualified Mortgage solution is ideal for borrowers needing fast, flexible underwriting when traditional income documentation isn’t available.
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 55%, stated business purpose loans, and subordinate financing. Flexible lending based on assets, not just income.
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 factors.
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 FICO score requirement of 640 or above, it provides an avenue for these borrowers to access financing with confidence No Income Documentation or Employment Verification Access loan amounts up to $3 million with flexible financing options designed to meet your investment goals. Enjoy cash-out opportunities of up to $1 million, providing valuable funds for property improvements, debt consolidation, or other financial needs. This combination of high loan limits, cash-out flexibility, and reserve requirements creates
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Maximum Loan Amount: $4,000,000 Cash Out: $1,500,000 Specialized lender leads the way in the Non-Prime niche mortgage lending space with
Asset Qualifier Portfolio Mortgage with asset-based income documentation. Ideal for borrowers using 1099s (sole proprietors) to demonstrate ability to repay.