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Tax Returns Not Required

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Exception-Based Non-Prime Loan

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

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Tax Returns Not Required

Self-employed borrowers often face unique challenges when it comes to providing tax returns for loan applications. Traditional lenders typically require tax returns to verify income

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Investor Bank Statement Loan

Prime & Non-Prime | Self-Employed Borrowers Our Investor Bank Statement Loan program caters to borrowers who thrive outside the conventional lending box. As a portfolio

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Bank Statement Super Jumbo Loan

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

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Non-QM Super Jumbo Alt Doc

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.

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Non-QM Low Doc Jumbo

One-Year W-2 Jumbo: low-doc jumbo non-QM loans; 1-year W2 income, bank-statements, asset depletion. Up to $6M, 90% LTV for refi, 10% down for purchases.

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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.

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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

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Stand-Alone Second Mortgage

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

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24 Months Commingle Bank 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

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3 Month Bank Statement Loan

3-Month Bank Statement Loan. Use either 3 months of business or personal bank statements as an alternative to the 6-month, 12-month, and 24-month programs. Ideal

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Business Purpose Mortgages

Unconventional Business Purpose Mortgage Loan A Business Purpose Loan is a unique mortgage program designed for primary residences. It is a type of stated income

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Non-QM Lenders and Loans

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

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DSCR .75% Jumbo Mortgage

The DSCR (Debt Service Coverage Ratio) Loan Program is built for experienced real estate investors, allowing up to 25 financed properties—far beyond most investor loan

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Non-QM Jumbo Lender Program

Non-Qualified Mortgages and Non-QM Mortgage Brokers In an ever-evolving Non-Qualified mortgage market, We continue to expand our products and guidelines Our team of Non-QM Mortgage

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Super Jumbo Bank Statement Program

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

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No Ratio Investor Loan Jumbo

DSRC Investor Loan Program – No Income Verification Qualify for a self-employed mortgage with loan amounts up to $5,000,000 and a 760 middle mortgage credit

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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

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Non-Prime True No Doc Mortgage Program

The Non-Prime True No Doc Mortgage Program is an equity-driven, alternative documentation option tailored for borrowers with unconventional income or documentation (like the self-employed, fixed-income

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Asset Qualifier

Asset Qualifier Portfolio Mortgage with asset-based income documentation. Ideal for borrowers using 1099s (sole proprietors) to demonstrate ability to repay. Allows DTI ratios up to

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Non-Prime Cash Out Refinance

Our Bank Statement Loan program provides self-employed borrowers with an alternative to traditional income documentation. Use personal or business bank statements for up to 24

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P&L Only – 640 Credit Score

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

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Bank Statements Jumbo Mortgage

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.

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Asset Qualifier Jumbo Loan

Federal Tax Transcripts Not Required Qualifying Criteria for this loan program are Asset Based. This program can also be used to supplement additional alt doc

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Hard Money Super Jumbo Florida

The Hard Money Super Jumbo Florida Mortgage Program offers rapid, equity-based financing—supporting purchase, rate-and-term, and cash-out refinances—for loan amounts starting at $5 million and extending

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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

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Super Jumbo Investor – 30 million

Super Jumbo Loan Amounts to $30,000,000 Non-Prime/ Manual Underwrite Super Jumbo Common Sense Manual Underwriting and in-house decisions. Final decision with second signature requirement. Income

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Non-QM – Stated Expense Ratio

Non-QM Stated Expense Ratio mortgage programs for self-employed borrowers using alternative income documentation. Bank statement lenders apply varying expense percentage rates to estimate business costs—key

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DSCR No Ratio No SSN#

Our Debt Service Coverage Ratio (DSCR) loan program is designed for real estate investors who want to qualify based on rental income rather than personal

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12 Month Bank Statement Program

The 12-Month Bank Statement Loan is designed for self-employed and 1099 borrowers who prefer simplified documentation. Instead of tax returns, approval is based on bank

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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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Debt Service Coverage No Ratio

Debt Service Coverage Ratio (DSCR) – No Ratio program for real estate investors up to $5,000,000. Eligible for purchase and cash-out refinance with no employment

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Debt Service Coverage Ratio Program

Business Purpose Investor Loan Programs Loan programs for homebuyers and homeowners looking to refinance, rate/Term and Cash Out their Single-Family Residence, Condo or Multi-Unit including

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Super Jumbo Investor Loan

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

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Investor DSCR Mortgage Program

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

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Hard Money Loans

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

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Investor Loan – No Doc

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

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True No Doc Home Loan

No Income verification super jumbo Loan up to $30 Million. Access high-value financing without income documentation or employment history. Ideal for self-employed, retirees, day traders,

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Fix and Flip Program

Hard Money Loan Program Guideline Overview Interest-Only Payment Term Available * Loan Amounts: * $250,000 – $7,500,000 Property Types: * SFR (Single Family Residence) *

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Non-Prime Mortgages

Non-Prime Wholesale Lenders

Non-Prime Lending

Non-Prime Bank Statement Mortgages

Non-Prime 1099 Only Loans

Non-Prime Loan Programs

Non-Prime Loan Programs

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