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Self-Employed Borrowers: Purchase 90% LTV, and Cash Out – 85% LTV ~ Self-employed borrowers can now take advantage of alternative income documentation with options to purchase at 90% LTV and cash out at 85% LTV. By using your 1099(s) as
12 month P&L statement along with 3 months bank statements to support P&L (10%-25% variance)..
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 business and investment purposes.
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. Also offering 1-month and 2-month statement programs for greater flexibility in qualification.
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 is just another benefit of this easy to close loan product specifically for real estate investors to maximize property cash flow. Business Entity Vesting –
Super Jumbo Alt-Doc loans with a 620 credit score: get up to $2.5M for purchases, flexible docs (bank statements, P&L), low down & broad eligibility.
Income is stated on Form 1003 without tax returns; self-employed borrowers with 30 % ownership provide bank statements and verified assets to qualify.
1099 Only Lite Doc Bank Statement Loan – Qualify with just 1 year of income and employment verification. Ideal for self-employed borrowers with a 660+ credit score. Get up to 90% LTV on loans up to $1,500,000. Includes asset utilization and does require Form 4506-C (formerly Form 4506-T) and one
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.
Flexible portfolio mortgage options including jumbo loans to $15M, FHA flips, multiple financed properties, and alternative qualifying solutions.
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 revenue calculated from business or and (industry specific) personal bank statements Guideline Features: * Maximum loan amount $15,000,000 * 640 FICO Score * Cash-out to
Manual Underwrite Super Jumbo Mortgage Super Jumbo Non-Conventional Mortgage Loan Program | Flexibility | Freedom | Buying Power Mortgage financing freedom ability available to purchase a home or expand your real estate portfolio manually underwritten home loan program and can be for anyone with either an overall credit profile deficiency
Borrow up to $3M with jumbo hard money loans at 80% LTV for fix & flip, bridge, construction & more. No 4506-T required, flexible income docs.
Bank Statement Mortgage – Wage Earner Jumbo and Super Jumbo Alt Doc Mortgage Purpose: Purchase, Rate/Term and Cash Out Lite Doc – W2 Wage Earner Wage Earner Income Documentation – Lite Doc * One (1) Year Employment Verification * Previous Year W2 and YTD Paycheck Stub * Verbal Verification of
3-Month Bank Statement Loans in California help self-employed borrowers qualify using just three months of ”income deposits”, no tax returns or W-2s required. Ideal for strong recent income, jumbo financing.
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
1 Year Full Doc Program – Reduced Employment Reduced doc loan program is for both W2 Wage Earner and Self-Employed borrowers. 1099 Only loan programs are also available. All Lite Doc and Reduced Doc Loans Require Previous one year Form 4506-C. Income Documentation – One Year Lite Doc | Full
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%.
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 Guideline Highlights Bridge Loans Current NOD / NOS = OK Current Bankruptcy = OK Mortgage Lates = OK Low Fico Scores = OK Quick Funding
Alt Doc Loans Bank Statement Loans Bank Statement Mortgages Jumbo Loan Programs Jumbo Loans
Non-QM lender in California: self-employed loans with alt docs — bank statements, 1099s, asset depletion. No 4506-C needed. Up to 90% LTV.
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
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.
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
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).
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 their own Non-QM and Non-Prime manual underwriting decisions. Some Portfolio lenders can also lend their own money as well as a portfolio they contribute to
Non-QM Alt Doc Bank Statement Loans to $10,000,000 Now you can use your 1099(s) to qualify as additional income/”ability to repay” (ATR) Non-QM loans are not subject to stringent guidelines and government regulation, rather, they fall under what is called an Ability to Repay Rule (ATR). We have a plethora
Asset depletion mortgage: Use liquid assets (cash, investments, retirement) as qualifying “income.” No W-2s or tax returns required—ideal for asset-rich borrowers.
Subprime bank-statement loan: Alt-doc financing using bank statements for income. Higher-risk, flexible qualification even with credit blemishes.
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 of income, either through one year of W-2s with recent pay stubs or a year of tax returns along with a current profit and loss
Non-QM Mortgage Broker Loan Purpose: Purchase; Rate/Term and Cash Out Refinance; Construction; Commercial; Acquisition For the Super Jumbo Loan Program facilitated by our Non-QM Mortgage Broker, various loan purposes are accommodated, including Purchase, Rate/Term and Cash Out Refinance, Construction, Commercial, and Acquisition, with loan amounts ranging from $200,000 to $10,000,000.
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
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