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How is Bank Statement Income Calculated? Total deposits, less business expense ratio, annualized, multiplied by the % of ownership. Standard 50/50 deposit to expense ratio is used but can be up to 65/35 if supported by a CPA expense statement.
Hard Money Loans Our mission is to help individuals, investors, builders, developers, foreign nationals, and all legal entities including foreign legal entities obtain alternative real estate financing options to assist in a diverse real estate market (usually understood as Hard
Real Estate Investor Loan: Up to 12 Financed Properties OK Borrower can own unlimited properties, but only 10 can have a mortgage lien 680 Middle Credit Score | 85% Maximum LTV * No Ratio Income Documentation * Leases (or appraisal form 1007) Six months Reserves required for the subject property plus 6 months liquid reserves for every property that is currently being financed. (Cash out can cover reserve requirement) Jumbo Loan Amounts * $250,000 * $4,000,000 Property Types * Single Family Residence * Non-Warrantable Condo * 2 Units * PUD Occupancies * Owner-Occupied * Non-Owner-Occupied * Second Home Underwriter Notes In order to utilize rental income, tax returns are required.
The P&L Only Mortgage Loan Program provides a streamlined, alternative documentation solution for borrowers with complex or unconventional income. Instead of traditional tax filings, applicants can use a 12-month profit and loss (P&L) statement—prepared by a CPA, CTEC, attorney, or EA—to verify income. The program supports up to 85% LTV for purchases and rate-and-term refinances, and 80% for cash-out refinances, with flexible terms for credit scores of 640 and above, including jumbo amounts up to $4 million.
Non-Prime Alt Doc Self-Employed Program Non-Prime mortgages are not only for challenged credit borrowers, but also good and excellent credit borrowers that require a higher risk and more aggressive loan program; 95% LTV Cash Out refinance would be one example. Non-Prime Loan Program Highlights: * Available for Purchase and Rate/Term or Cash Out refinance. Maximum Cash Out $1,500,000. * Third party CPA Letter – The “CPA letter” does not need to be the same CPA that filled your taxes. Any (CPA) or Enrolled Agent (EA) – OK! * Applicable Industry License – License Regulator * License Bureau or equivalent * Business Tax Certificate * Industry Buyer License * Blacked Out
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 flexibility for self-employed individuals and business owners who may not qualify through traditional income verification. Our Right Mortgage is Your Ideal Approval This Bank Statement Loan program is ideal for borrowers that have experienced significant revenue growth in the previous six months in contrast to the previous 6-24 months. Income Documentation Type: Lite Doc 6 Months bank statements in lieu of conventional income documentation such as tax returns, schedule P&L
Super Jumbo Investor Mortgage | DSCR. A specialized DSCR loan program for real estate investors with a minimum credit score of 620. Offers up to 85% LTV for purchase transactions, 80% for cash-out refinance, and loan amounts up to $15,000,000. Income verified through rental leases or appraisal form 1007.
Non-Prime Super Jumbo Loans up to $5,000,000 for self-employed borrowers. Use 12 or 24 months of business bank statements to demonstrate your ability to repay, eliminating the need for traditional income verification. Ideal for high-net-worth individuals seeking flexible financing.
Income is stated on Form 1003 without tax returns; self-employed borrowers with 30 % ownership provide bank statements and verified assets to qualify.
Maximum Loan Amount: $4,000,000 Cash Out: $1,500,000 Specialized lender leads the way in the Non-Prime niche mortgage lending space with over 50 years of collective wholesale lending and loan origination experience and have streamlined the approval and escrow work flow perfected the escrow for better time efficiency from pre-qualification, full application, underwriter approval/Conditional Loan Approval (CLA), Prior to Doc (PTD) conditions, Condition Review, final underwrite, Prior to Funding (PTF) conditions, Clear to Close (CTC), Closing Docs to escrow, sign, and close, funds disbursed. 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 business owner
Nationwide Private Mortgage Lender Unique mortgage loan program designed for the Residential Real Estate Investor This is a Private Money lender that has funded thousands of loans nationwide, and makes all decisions in-house with over $200,000,000 to lend. Over 25 years of real estate investing experience; they know how to underwrite a loan. They also offer 3-year terms for borrowers with longer-term projects as well as traditional bridge funding. An investor can close in a natural person’s name or business entity. No Income No Asset Verification – Forms 4506-C Not Required This is a true No Doc hard/soft money lender with national reach. No Income. No-Assets. No Employment. And now
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.
Hard money jumbo loans in California offer flexible financing with no personal income verification, allowing borrowers to qualify based on liquid assets for reduced investor pricing and potential underwriting exceptions.
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 bank statements, along with verifiable assets u to 85% LTV.
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 developing subject properties in eligible locations.
Access the equity in your home without the paperwork stress. Our Second Mortgage Bank-Statement Loan is for self-employed homeowners, freelancers, or anyone who lacks traditional income documentation.
Bank Statement Employment Documentation: Verify self-employment with CPA letter or license. Qualify with 12–24 months statements, no tax returns required.
The “Bank Statement Mortgage Documentation” documentation requirements for self-employed borrowers researching bank statement mortgage loan programs and eligibility requirements.
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 it simpler to access financing for purchases or refinances, including cash-out options.
12 month P&L statement along with 3 months bank statements to support P&L (10%-25% variance)..
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 $3 million with flexible financing options designed to meet your investment goals. Enjoy cash-out opportunities of up to $1 million, providing valuable funds for property improvements, debt consolidation, or other financial needs. This combination of high loan limits, cash-out flexibility, and reserve requirements creates a balanced solution for real estate investors seeking reliable financing. Various
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 bank statements providing a flexible, documentation-light path to financing.
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 expectations, etc. Stated Income/ Verified Assets to $4,000,000 ($5,000,000 – case-by-case) Liquid Asset Requirements: ~ 12 Months PITIA (principle * Interest * Tax * Insurance * HOA (homeowners association) for Subject property + 6 months for each REO Acceptable Liquid Assets: Eligible Property Types: Available Terms: Credit Scores and Credit Criteria Requirements: Compensation credit profile
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 documentation criteria while seeking substantial loan amount options to consider. Speak to a Loan Officer (800) 718-8906. Non-Prime Bank Statement Cash-Out Programs This loan program includes cash-out options, allowing you to access up to $3,500,000 in loan amounts. Highlights of this program include the ability to take unlimited cash out up to $2,000,000 with up to 70% LTV, providing flexible
Super Jumbo Hard Money Loan Program 1st, 2nd, and 3rd Stand-Alone Mortgage | Forms 4506-T and 4506-C Not Required LTV – 70% to 75% depending on property location and property condition Eligible Occupancies: * Owner-Occupied (Business Purpose) * Non-Owner Occupied Eligible Property Types: * Residential (SFR, 2-unit, 4-unit) & Commercial properties Term – Short Term Bridge or longer-term loans No Prepayment Penalties Credit Score – No FICO Minimums, No Tax Returns Required, and, in some cases, No Appraisal Required Real Estate Investors – Multiple Properties Owned OK, use as Cross Collateral This program is available in the following California counties: Sacramento CA, San Francisco CA, Los Angeles CA, San Diego
How is Bank Statement Income Calculated? Total deposits, less business expense ratio, annualized, multiplied by the % of ownership. Standard 50/50 deposit to expense ratio is used but can be up to 65/35 if supported by a CPA expense statement. Company Ownership % Borrower(s) must own at least 50% of the company to use a business account for income. Business Bank Statements If the borrower also has a Business Bank Account we will use 100% of personal account deposits averaged over a 12/24 mo. period with 2 mo. business bank statements. Business Bank Account an expense ratio will be applied Working from home with no employees is eligible for an
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 or DSCR (Debt Service Coverage Ratio) alternatives—ideal for investors seeking streamlined qualification using property cash flow instead of traditional income.
True Stated Income 2025 | Forms 4506-T and 4506-C Not Required An alternative to the “bank statement loan” program for the well-qualified self-employed borrower. You could say this is an equity-based loan program in that the max LTV would be 80%. You could also call it a “portfolio loan” or “Non-QM” mortgage. Self-Employed Home Loan Income and Employment Documentation Stated Income/Verified Asset mortgage programs are for borrowers that own their own business. Business entity types: C corporation, S corporation, LLC, partnerships. Employment and income sections on application left blank; No Ratio Alt Doc. Submit your loan scenario for Loan Officer review. (credit check not required!) On a refinance transaction, the
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 70% LTV * Maximum DTI 55% (requires $4000 minimum disposable income) * Owner-occupied, Second Homes and Non-owner-occupied and investment properties. * Gifts – OK * Max Loan Amount $6,000,000 * Minimum 680 Mortgage Credit Score Required * Max 55% DTI (Debt-to-Income) / Interest-only * 75% LTV * Primary, Second, Investment Homes * 1-4 Unit, Planned Urban Development (PUD) and Condos
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 solution. This program does not require income documentation, making it ideal for those who may not qualify through traditional methods. Manual Underwriting We offer flexibility for borrowers facing financial challenges, including those currently in foreclosure, bankruptcy, or with past bankruptcies. Even properties in probate are eligible, providing solutions for unique financing situations. This program is available for both residential and commercial properties, offering a versatile lending option for various real estate investments. Eligible Property Types * Single Family Residence * 2 Unit * 3 Unit
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, R&T Refinance and Cash Out Refinance. Private Money Loans – Up to 75% LTV Access private money loans up to 70% LTV for purchases or cash-out refinances. Ideal for investors needing quick approvals and flexible terms. Benefits of a 75% LTV Private Loan Submit your scenario online or call our experts to secure a private
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 a sole proprietor, you can qualify with additional income, demonstrating your ability to repay. Super Jumbo Loan Amounts * $15,000,000 Maximum * Unlimited Cash Out Credit Scores (middle mortgage score) and LTV’s * 620 Score – 75% LTV – $1,500,000 * 660 Score – 80% LTV – $2,000,000 * 680 Score – 85% LTV – $2,500,000 * 700 Score – 90% LTV – $3,000,000 Eligible Employment Types * Self Employed
Flexible income documentation options with as little as 3 months of personal or business bank statements. This 3-month program is a streamlined alternative to 6-, 12-, and 24-month options. Borrowers with credit scores above 700 may qualify with just 1 or 2 months. Income combinations allowed — including Co-Borrower W-2s plus bank statements.
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 income documentation. These loans suit non-prime borrowers seeking tailored solutions. Commingle Business and Personal Bank Account Statements Experience adaptable Non-QM income documentation options designed for self-employed borrowers. Use personal, business, or commingled bank statements to verify income with ease. These loans offer unmatched versatility, eliminating the need for traditional income proof while accommodating diverse financial profiles. Perfect for borrowers seeking
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