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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 *
Who Qualifies for this Loan Loan Terms & LTV Guidelines Refinancing & Cash-Out Options Borrowers may qualify for cash-out refinancing with unlimited cash at closing, provided LTV requirements are met. Geographic Coverage This loan program is available in all 50
Income is stated on Form 1003 without tax returns; self-employed borrowers with 30 % ownership provide bank statements and verified assets to qualify.
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
California SIVA program: State income on the 1003, verify assets (no tax returns/W-2s), up to $3,500,000 purchase or $2,000.000 cash-out refinance.
Super Jumbo Non-Prime Alt Doc – $10,000,000 Documentation: Bank Statements from 600+ FICO to 90% LTV Full Income Documentation to 90% LTV | Tax Returns,
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.
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
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
The Non-QM Bank Statement Loan Program offers flexible underwriting with a maximum Debt-to-Income (DTI) ratio of 55% for loans up to $2,000,000, with even higher
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.
3-Month Bank Statement Loans in California help self-employed borrowers qualify using just three months of ”income deposits”, no tax returns or W-2s required. Ideal for
High-LTV program offering up to 96.5% financing with a 630 score, flexible credit rules, and owner-occupied options for purchase or rate-term refinance.
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
For borrowers seeking minimal documentation, the Stated Income/Stated Assets (SISA) option provides an easy and opportune loan approval, focusing on stated financial details rather than
The Stated Income/Verified Assets (SIVA) Jumbo Loan Program, updated July 10, 2025, offers a high-net-worth, asset-based pathway to home financing without requiring tax returns or
Qualify for a mortgage using as little as 12 months of personal or business bank statements instead of traditional tax returns. This alternative documentation loan
A flexible 12-month bank statement loan program designed for self-employed borrowers and business owners, offering up to 85% LTV with alternative income documentation. W-2 co-borrowers
See the essential terms of interest-only mortgages, including flexible LTV options, acceptance of cannabis income, and
criteria for self-employed borrowers. This guide provides valuable
Bank Statement Jumbo Mortgage with Interest-Only options. Choose from 2-month or 24-month bank statement programs for purchase, rate/term refinance, or cash-out. Available for owner-occupied, second
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
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
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
Asset depletion mortgage: Use liquid assets (cash, investments, retirement) as qualifying “income.” No W-2s or tax returns required—ideal for asset-rich borrowers.
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
Asset Depletion Program: turn your assets like stocks or investments into income, boost your borrowing power without pay stubs.
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
A No Doc (no documentation) Loan is an easy and convenient financing option that does not require you to provide any documentation, income, asset, or
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
Jumbo Bank Statement Loan to $5,000,000. Alt-doc qualifying with 12–24 month. bank statements, up to 55% DTI, and $2,500,000 cash-out available.
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
There are roughly 17,000,000 self-employed people in the United States. That is over 35% of Americans that are self-employed. We have seen an increase of
Manual Underwrite Super Jumbo Mortgage Super Jumbo Non-Conventional Mortgage Loan Program | Flexibility | Freedom | Buying Power Mortgage financing freedom ability available to purchase
Lite Doc Jumbo and Super Jumbo Mortgage Purpose: Purchase, Rate/Term and Cash Out (6 Months Purchase/Title Seasoning for “Current Market Value”) Wage earners may qualify
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
Flexible financing for real estate investors, with DSCR options, jumbo limits, and competitive terms to grow all of your refinance property portfolios.
Non-QM lender in California: self-employed loans with alt docs — bank statements, 1099s, asset depletion. No 4506-C needed. Up to 90% LTV.
Second Mortgage Bank Statement Jumbo Loan. Flexible CLTV options with loan amounts starting at $250,000, up to 85% CLTV. Available for larger loans, with 80%
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
Non-QM Alt Doc Bank Statement Loans to $10,000,000 Now you can use your 1099(s) to qualify as additional income/”ability to repay” (ATR) Non-QM loans are
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
Maximum Loan Amount Investor Mortgage – $3,500,000 This investment property loan program provides up to $3,000,000 for purchases and rate-term refinances, with cash-out refinancing available