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Profit and Loss (P&L) Loan Programs Mortgage qualification using a 12-month P&L statement, making it a flexible option for borrowers who don’t fit traditional mortgage plans. Ideal for expanding your client base in Non-QM lending. P&L Only Program Highlights *
1099 Only Jumbo Home Loan 1099 mortgage financing for high-earning freelancers, independent contractors, gig workers, and self-employed business owners who may not qualify using traditional income documentation. Jumbo 1099 Loan Program for Sole Proprietors A flexible alternative income documentation mortgage
Interest-Only Non-QM Jumbo Mortgage Product Interest Only – $2,000,000 Eligible Transactions: Purchase; Refinance – Rate/Term;
The Stated Income Owner-Occupied Jumbo program (updated July 31, 2025) provides borrowers who prefer not
The One-Month Alt-Doc Bank Statement Jumbo program offered self-employed borrowers by allowing approval with only
The Stated Income/Verified Assets (SIVA) Jumbo Loan Program, updated July 10, 2025, offers a high-net-worth,
Purchase or Cash Out Refinance options available with a minimum 620 credit score. The Real
6-Month Bank Statement Loan – 680 Credit Score This Six-Month Bank Statement Loan program caters to borrowers
Jumbo Second Mortgage | Alt Doc + Minimum Mortgage Credit Score: 680 Available Terms –
Alt-Doc for Real-Estate Investors: Rent & business bank statements, lease income or Airbnb qualify. Flexible
3-Month Bank Statement Loan. Use either 3 months of business or personal bank statements as
Our Stated Income / Verified Assets Mortgage Program offers flexible financing for self-employed borrowers with
Partner with us for ARV purchase & rehab loans—finance both acquisition and renovations, leverage your
3-Month Bank Statement Loans in California help self-employed borrowers qualify using just three months of
Super Jumbo Alt-Doc loans with a 620 credit score: get up to $2.5M for purchases,
Non-Prime Super Jumbo Bank Statement Loan – 600 Credit Score Non-Prime Bank Statement Loans provide
12 month P&L statement along with 3 months bank statements to support P&L (10%-25% variance)..
The P&L Only Mortgage Loan Program provides a streamlined, alternative documentation solution for borrowers with
Sole Proprietor Super Jumbo Loan Program – $7,500,000 This particular 1099 Only income documentation mortgage
The DSCR (Debt Service Coverage Ratio) Loan Program is built for experienced real estate investors,
Asset Qualifier Portfolio Mortgage with asset-based income documentation. Ideal for borrowers using 1099s (sole proprietors)
Bank Statement Employment Documentation: Verify self-employment with CPA letter or license. Qualify with 12–24 months
Super Jumbo Real Estate Investor Loan Program to $5,000,000 This investor program was created for