Our Debt Service Coverage Ratio (DSCR) loan program is designed for real estate investors who want to qualify based on rental income rather than personal income documentation. Whether you’re a first-time investor or looking to expand your portfolio, this program
No Ratio mortgage—no income disclosure required. A great fit for asset-rich or investment-savvy borrowers. No income disclosed or documented: * No DTI calculated * Designed for primary, second home, and investment properties * Available for purchases, rate/term, and cash-out refis
Portfolio Direct Lender is a direct lender with their own portfolio of loan products and programs, and they make their own Non-QM and Non-Prime manual
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
Bank Statement Program – 2025 This Bank Statement mortgage is designed for self-employed borrowers. You benefit from a simplified qualifying method with income based on
True Stated Income 2025 | Form 4506-C Not Required An alternative to the “bank statement loan” program for the well-qualified self-employed borrower. You could say
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
Jumbo Non-QM Bank Statement Loans offer self-employed and high-income borrowers a flexible way to qualify for jumbo mortgages without tax returns. Borrow up to $5
Access an easy home loan up to $4,000,000 based on stated income, with a minimum credit score of 740. Skip the hassle and stress of
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).
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,
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
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
The “Bank Statement Mortgage Documentation” documentation requirements for self-employed borrowers researching bank statement mortgage loan programs and eligibility requirements.
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
3-Month Bank Statement Loan. Use either 3 months of business or personal bank statements as an alternative to the 6-month, 12-month, and 24-month programs. Ideal
Jumbo Second Mortgage | Alt Doc + Minimum Mortgage Credit Score: 680 Available Terms – 15- or 20 Year Fixed Rate Second Mortgages. Available for
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.
Stated Income Jumbo Construction Loan up to $10 Million for home builders. Short-term financing for construction projects—no 4506-T or 4506-C forms required. Ideal for builders
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.
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
Our alternative documentation mortgage program features a Lite Doc option for borrowers seeking simplified income verification. Applicants can qualify using only the past 12 months
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,
Maximum Loan Amount: $4,000,000 Cash Out: $1,500,000 Unique Non-QM Lenders and Loans We have many loan options, and we are poised to increase the buying
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
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
Fix & Flip Flexible Capital Program: At Broker Mortgages, our Fix & Flip Program gives real estate investors the financial power to acquire, renovate, and
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
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
The 1099 Mortgage Program makes qualifying easier for self-employed borrowers. Only one year of 1099 income is required—no full tax returns—offering high loan amounts, flexible
Bank Statement Employment Documentation: Verify self-employment with CPA letter or license. Qualify with 12–24 months statements, no tax returns required.
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
Bank Statements Jumbo Mortgage with a 3-Month Program. Use either business or personal bank statements as an alternative to the 6-month, 12-month, and 24-month options.
Self Employed 1099 Only and Bank Statement Home Loans This loan program is for home buyers and homeowners that have a few late payments or
Access your home equity with a Jumbo Second Mortgage. Flexible LTVs, alt-doc options, and no need to refinance. Jumbo Second Mortgage loans up to $500,000
The 90% LTV – 12-Month Bank Statement Jumbo Loan caters to self-employed borrowers—especially sole proprietors—by allowing income qualification using either a year of bank statements
Commercial Mortgage Stated Income This Commercial Mortgage Loan Program Does Not Require Tax Returns or W-2’s Credit Score: 660 Middle Credit Score Loan Purpose: *
The Non-Prime True No Doc Mortgage Program is an equity-driven, alternative documentation option tailored for borrowers with unconventional income or documentation (like the self-employed, fixed-income
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
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
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
Alt Doc Loans Bank Statement Loans Bank Statement Mortgages Jumbo Loan Programs Jumbo Loans
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
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