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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
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
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
This program enables primary owner-occupied loans from $500,000 to $5,000,000 for purchase, refinance, cash-out, construction, bridge, or blanket financing.
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
This investor purchase loan program provides flexible financing for borrowers acquiring residential investment properties, second homes, and select owner-occupied properties. Qualified borrowers may finance multiple
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
Vesting Title in Legal Entities for Business Purpose Mortgages. This program allows borrowers to title property under Corporations, LLCs, or Partnerships—offering flexible vesting options for
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.
Qualify for a mortgage using as little as 12 months of personal or business bank statements instead of traditional tax returns. This alternative documentation loan
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
Flexible portfolio mortgage options including jumbo loans to $15M, FHA flips, multiple financed properties, and alternative qualifying solutions.
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
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
DSCR loans remain a top choice for real estate investors. We offer flexible guidelines using income from both long- and short-term rentals, and can qualify
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
Self-Employed Home Loan Program This kind of loan product is for the Self-Employed borrower that can produce a 1-year P&L along with a letter from
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
Non-Prime – No Income and No Employment If you’re seeking the right Non-Prime No-Income/No-Employment program requiring minimal documentation.With no verification of income or employment required,
Alt-Doc for Real-Estate Investors: Rent & business bank statements, lease income or Airbnb qualify. Flexible docs, no tax returns required.
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
Bank Statement Alt Doc Options Available – 2026 Updates We calculate your monthly income number (DTI purposes) before your loan is submitted to the underwriter
12-Month Bridge Loan: short-term loan up to $30M, up to 75% LTV. Tap your property equity fast before sale. Credit score min 620.
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
Unique Non-QM Lenders and Loans We have many loan options, and we are poised to increase the buying power of the small to medium size
Fix & Flip Flexible Capital Program: At Broker Mortgages, our Fix & Flip Program gives real estate investors the financial power to acquire, renovate, and
Non-QM Stated Expense Ratio mortgage programs for self-employed borrowers using alternative income documentation. Bank statement lenders apply varying expense percentage rates to estimate business costs—key
Asset depletion mortgage: Use liquid assets (cash, investments, retirement) as qualifying “income.” No W-2s or tax returns required—ideal for asset-rich borrowers.
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
Flexible ITIN mortgage loans for non-U.S. citizens. Finance or refinance investment properties with up to 90% LTV and no tax returns required.
The 6-Month Bank Statement Mortgage 660 Credit Score program for borrowers with credit scores of 660 to qualify using six months of personal or business
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
Super Jumbo Investor Mortgage | DSCR. A specialized DSCR loan program for real estate investors with a minimum credit score of 620. Offers up to
This Jumbo Loan program helps borrowers that have experienced a credit event get approved for up to $4,000,000. Occupies include second homes, and investment properties
DSRC Investor Loan Program – No Income Verification Qualify for a self-employed mortgage with loan amounts up to $5,000,000 and a 760 middle mortgage credit
Federal Tax Transcripts Not Required Loan Qualifying Criteria for this loan program are Asset Based. This program can also be used to supplement additional alt
High-LTV program offering up to 96.5% financing with a 630 score, flexible credit rules, and owner-occupied options for purchase or rate-term refinance.
Hard Money Below are some of our featured loan programs. Call with questions! (800) 718-8906. Contact a Loan Officer Contact a Loan Officer Last Updated
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
Jumbo Purchase Loan for First-Time Homebuyers Up to $1,500,000 This jumbo mortgage program offers purchase, rate-and-term refinance, and cash-out refinance options for qualified borrowers. First-time
Borrow up to $3M with jumbo hard money loans at 80% LTV for fix & flip, bridge, construction & more. No 4506-T required, flexible income
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
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 Amount: Loan