DSCR Second Mortgage Loan Program
This DSCR Second Mortgage lets investors leverage property equity based on rental income—no tax returns or personal income verification required.
DSCR Loan Program | Business Purpose Loan for Real Estate Investors
Qualify with rental income, not tax returns. Explore our DSCR Business Purpose Loan to buy, refinance, or cash-out on investment properties.
Investor Bank Statement Loan
Self-Employed Borrowers Our Investor Bank Statement Loan program caters to borrowers who thrive outside the conventional lending box. As a portfolio direct lender, we make our own Non-QM and Non-Prime manual underwriting decisions, offering flexibility and real-world judgment rather than rigid, automated approvals. Some portfolio lenders also operate as banks, lending both their own capital […]
Alt Doc Fixed Term Second Mortgage
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 […]
DSCR 85% LTV to $4,000,000
The DSCR Mortgage Loan Program offers financing options with a Debt Service Coverage Ratio as low as 0.75. Borrowers can choose from adjustable-rate mortgages (ARMs) with interest-only options or fixed-rate products. The program allows for loan-to-value (LTV) ratios of up to 80%, with loan amounts ranging from $200,000 to $4,000,000. It supports various property types, […]
DSCR No SSN
DSCR Mortgage – Social Security Number Not Required Our flexible options with DSCR, No Ratio makes it easy to purchase or refinance (including Cash Out) DSCR ≥.75 and No Ratio options Qualify with a minimum DSCR of .75 and loan amounts up to $4,000,000. Short-term rentals are eligible, and for multiple borrowers, the highest mid-score […]
Bank Statement Loan Pre-Underwrite
Non-QM Mortgage Broker Service We determine your qualifying income down to the dollar before you go through the full application process, credit check, and preliminary documentation. This ensures the numbers align upfront, saving you time and effort. Bank Statement Mortgage Service Once your Loan Officer reviews your bank statements, they may have questions about deposits, […]
DSCR Super Jumbo to $5,000,000 Cash Out
Qualifying for a mortgage on an investment property can be tricky, particularly if you own multiple properties. The DSCR (Debt Service Coverage Ratio) option makes qualifying simple: The only income considered to determine qualification is the rental income from the subject property vs. the PITIA payment. No DTI is developed. DSCR Cash Out Refinance The […]
1 Month Business or Personal Bank Statements
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.
12 Month Bridge Loan
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.
After Repair Value Purchase Loan (ARV)
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.
Non-QM Interest-Only Jumbo Program
Interest-Only Non-QM Jumbo Mortgage Product Interest Only – $2,000,000 Eligible Transactions: Purchase; Refinance – Rate/Term; Refinance – Cash Out Non-QM Mortgage Loans /”Interest-Only” Payment Option `Single Family Residence – Owner-Occupied /Primary Residence Credit Score /LTV /Loan Amount: * 720 – 90% – $1,500,000 * 680 – 80% – $2,000,000 * 740 – 90% – $2,000,000 […]
Portfolio Jumbo Low Doc – One Year P&L Statement Only
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 their tax professional verifying 2+ years of self-employment history in lieu of traditional tax returns and also can be an alternative to a “bank statement loan” for the well-qualified borrower. […]
Private Money 70% LTV
Soft Money Mortgage Program Exceptions made to 75% LTV for qualifying counties in the state of California. This means that the pricing is less than the traditional Hard Money type loan program. Alt Doc Income Documentation referred to as a No Doc or Business Purpose for Non-Owner Occupied and Business Purpose for Owner-Occupied for Purchase, […]
Jumbo Hard Money to 3-Million 80% LTV
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.
Stated Income Verified Assets to 75% LTV Owner Occupied
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.
Commercial Mortgage Stated Income Super Jumbo
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 to Value: Eligible Property Types: Available Terms: Available in the Following States: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Kansas, Kentucky, Louisiana, Maine, Maryland, […]
Jumbo Bank Statement Loan 5-Million
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.
Home Equity Line of Credit – HELOC
Portfolio Prime Loan Program Overview The Portfolio Prime Loan Program is designed for borrowers with strong financial profiles who may not qualify for conventional or jumbo loans. This program provides flexible underwriting, alternative income documentation options, and higher loan limits. Key Features: Minimum FICO Score: 620 (Alternative Documentation Allowed) Loan Amounts: Up to $3.5 million […]
Stated Income Jumbo – 720 Credit Score
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 an executed Form 4506-C – it’s not needed for your application, approval or at any time throughout to close. Access substantial financing without the paperwork fuss and frustration, delays, improper […]