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Unconventional Mortgages - A Wealth of Information and Service: (800) 718-8906

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DSCR stands for Debt Service Coverage Ratio loans, which allow real estate investors to qualify based on property cash flow rather than personal income. Benefits of DSCR Loans: No Personal Income Verification – Approval is based on rental income. Easier Qualification – Ideal for self-employed investors. Flexible Loan Options – Available for various property types. Fast Closing – Less paperwork speeds up approval. For more details on DSCR and other loan programs, see below. Questions? Speak to a Loan Officer (800) 718-8906.

DSCR Loans

DSCR stands for Debt Service Coverage Ratio loans, which allow real estate investors to qualify based on property cash flow rather than personal income.

Benefits of DSCR Loans:

No Personal Income Verification – Approval is based on rental income.

Easier Qualification – Ideal for self-employed investors.

Flexible Loan Options – Available for various property types.

Fast Closing – Less paperwork speeds up approval. For more details on DSCR and other loan programs, see below. Questions? Speak to a Loan Officer (800) 718-8906.

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02/01/2024 No Comments

12 Month Bank Statement Program

Bank Statement Loan Program for Self-Employed Borrowers Our programs are designed to simplify financing for self-employed and 1099 borrowers by using 12 months of bank

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01/02/2025 No Comments

Stand-Alone Second Mortgage

Second Mortgage Bank Statement Loan A Second Mortgage Bank Statement Loan is an ideal solution for homeowners looking to access their home equity without traditional

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11/02/2019 No Comments

Alt Doc & Reduced Doc – 1 Year Employment

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 year of tax returns.

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12/19/2019 No Comments

24 Months Business & Personal Commingle Accounts

24-Month Business & Personal Commingled Bank Account Mortgage. A specialized program allowing the use of both business and personal bank statements for qualification. Perfect for self-employed borrowers whose bank statements have previously hindered approval, offering flexible financing solutions.

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10/24/2019 No Comments

Non-Prime Lite Doc and Reduced Doc

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 statement supported by a 4506-C form. This streamlined option is well-suited for those looking for an easier path to mortgage approval.

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10/26/2019 No Comments

Jumbo Bank Statement Loan 5-Million

Lite Doc – 12-Month Bank Statement Program Qualify with a 12-month average of gross deposits instead of traditional income documentation. Designed exclusively for self-employed borrowers,

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05/23/2014 No Comments

Second Mortgage Alt Doc 90% CLTV

Alternative Income Documentation: 12 Months Bank Statements Income verification is not required for the bank statement second mortgage loan program. Instead of traditional income documentation,

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03/26/2024 No Comments

Alternative Income Documentation

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Our licensed Loan Officers are here to prequalify you before checking your credit. Also can do a soft inquiry for underwriter approval with conditions.
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