Contact a Loan Officer: (800) 718-8906
Tag description | real-estate-investor-loans
Investment property financing based primarily on property rental income rather than traditional personal employment income.
Foreign National DSCR loan program for business purpose investment properties. Up to 75% LTV, $3,000,000 loan amounts, and 680+ credit score required.
Qualify with rental income, not tax returns. Explore our DSCR Business Purpose Loan to buy, refinance, or cash-out on investment properties.
Flexible DSCR No Ratio loans up to $3,500,000 with LTVs to 85%. Available for purchases, refinances, and cash-out up to $500K. Eligible for SFRs, condos, non-warrantable condos, and multi-units.
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,
This DSCR (Debt Service Coverage Ratio) mortgage program allows real estate investors to qualify based on rental income, not personal income. Ideal for business purpose loans, short-term rentals, and investment property acquisitions.
Business Purpose Loan Program is designed specifically for investors seeking financing for income-generating real estate. These loans are commonly used by seasoned real estate investors leveraging non-owner-occupied residential properties—typically up to four units—as collateral. Because these loans are intended for business income purposes, they are not structured like traditional consumer
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 income documentation. Whether you’re a first-time investor or looking to expand your portfolio, this program provides a flexible path to financing. Key Benefits of a
First-time buyers/investors and foreign nationals eligible for 4 Unit DSCR Loans give real estate investors to expand their portfolios by leveraging cash flow, offering flexibility and powerful financing options. This program not only supports your clients but also builds your loyal and growing customer base. DSCR Program Feature Highlights: The
The DSCR mortgage loan program is a powerful tool for investors to achieve their short term and long term investment objectives. With credit score requirements starting as low as 600 and a maximum loan-to-value (LTV) of 85%, this program offers flexibility and accessibility. Loans range from $200,000 to $3,500,000. Investor
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
Our manual underwriting process for DSCR loans provides the flexibility to evaluate loans comprehensively, allowing for more credit approval decisions. LTV up to 85% on purchase loans and rate/term refinances, accommodating a wider range of borrowers and financial situations. Investment Property Business Purpose Loan This DSCR loan program is designed
Real Estate Investor Financing Our Investor Purchase Loan Program is designed for real estate investors seeking flexible financing solutions for residential investment properties. Whether you’re acquiring your first rental property or expanding an established portfolio, this program offers competitive financing with alternative qualification options, jumbo loan amounts, and underwriting designed
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.
DSCR loans remain a top choice for real estate investors. We offer flexible guidelines using income from both long- and short-term rentals, and can qualify using the higher of market rent or lease-stated rental income.
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 First Time Investor Loan OK Our DSCR cash flow loan offers borrowers an interest-only option to qualify using the interest-only payment plus escrows. This is just another benefit of this easy to close loan product specifically for real estate investors to maximize property cash flow. Business Entity Vesting –
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
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.
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 or traditional income documentation required. Income is based on rental leases or appraisal. No DTI ratio applies, and credit score, LTV, and reserves are key
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 individuals, or those with past credit challenges). No income, asset, or employment verification is required—Debt-to-Income (DTI) isn’t considered. With a minimum credit score of 680,
Alt-Doc for Real-Estate Investors: Rent & business bank statements, lease income or Airbnb qualify. Flexible docs, no tax returns required.
Fix & Flip Flexible Capital Program: At Broker Mortgages, our Fix & Flip Program gives real estate investors the financial power to acquire, renovate, and resell properties quickly — without the long wait times of traditional lenders. Whether you’re a seasoned house flipper or exploring your first rehab project, our
Business Purpose Investor Loan Program Loan programs for homebuyers and homeowners looking to refinance, rate/Term and Cash Out their Single-Family Residence, Condo or Multi-Unit including Investors. DSCR Investor Loans support both purchase and cash-out refinancing options. Qualify for up to $10 million with an 85% LTV, a minimum DSCR of
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 Brokers is committed to continually enhancing our Non-Qualified Mortgage products and guidelines. Non-QM Mortgage Broker – Bank Statement Loan to $5,000,000 Use Personal and/or Business
Super jumbo investor financing is available for loan amounts up to $30,000,000. The program uses manual underwriting and in-house credit decisions for real estate investors who may require financing outside standard jumbo or conventional lending guidelines. Personal income documentation is not required. Qualification is based on the property, borrower credit
Flexible ITIN mortgage loans for non-U.S. citizens. Finance or refinance investment properties with up to 90% LTV and no tax returns required.
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
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 types without being required to reveal any sort of conventional income documentation or Verification of Employment documentation and is qualified based on Credit Score/FICO and
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 program is designed for self-employed borrowers, business owners, freelancers, and independent contractors whose tax returns may not accurately reflect their true income. Whether you’re purchasing
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.
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 score. No income documentation, employment verification, or 4506-C form required. This program is ideal for self-employed borrowers seeking a hassle-free approval process without traditional income
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 homes, and primary residences. Flexible qualification for self-employed borrowers.
Hard Money Below are some of our featured loan programs. Call with questions! (800) 718-8906. Contact a Loan Officer Contact a Loan Officer Last Updated on 3 months ago by Broker Mortgages
True Stated Income 2026 | Form 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.
Alt-Doc Mortgage Program: Flexible financing up to 90% LTV with loan amounts from $1.5M to $3.5M. No 4506-T or 4506-C forms required. Reserve requirement: 6 months for primary residence, plus 3 months per additional property owned.
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.
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
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
The Non-Prime Bank Statement Loan (620 Credit Score) is a Non-QM non-traditional income documentation. qualifY using 1 to 24 consecutive months of recent bank statements—with or without reduced-doc or alt-doc options like 1099 income—in lieu of standard tax returns. Designed for applicants with a minimum 620 credit score, the program
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 IRS Form 4506-C. Borrowers may qualify using verified assets.
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.
Inherited Property Financing 75% Loan-to-Value (LTV) This loan program is for people that have lost a family member and would like to keep the home. Purpose: Purchase, Refinance, and Cash Out Refinance This is a manual underwrite program Same day approval Underwriting Notes: Credit, etc. Available in the Following States:
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, and those with unconventional income. If you have strong equity, this program is tailored for you.
Federal Tax Transcripts Not Required Loan Qualifying Criteria for this loan program are Asset Based. This program can also be used to supplement additional alt doc programs such as Bank Statements and/or 1099’s. Form 4506-T Not Required, and Form 4506-C Not Required This loan program is specifically designed for moderate
Income is stated on Form 1003 without tax returns; self-employed borrowers with 30 % ownership provide bank statements and verified assets to qualify.
Vesting Title in Legal Entities for Business Purpose Mortgages. This program allows borrowers to title property under Corporations, LLCs, or Partnerships—offering flexible vesting options for business and investment purposes.
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 up to $1,500,000. Available for investment properties, non-owner-occupied homes, and second homes, the program allows real estate investors to own up to 20 financed properties.
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.
Jumbo Purchase Loan for First-Time Homebuyers Up to $1,500,000 This jumbo mortgage program offers purchase, rate-and-term refinance, and cash-out refinance options for qualified borrowers. First-time homebuyers may finance up to $1,000,000 at 85% LTV, while eligible borrowers may qualify for up to 90% LTV on loan amounts up to $1,000,000
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 up to $10 million on a case-by-case basis. Structured as a non-QM, hard money solution, it provides flexible qualification outside conventional underwriting.
This investor purchase loan program provides flexible financing for borrowers acquiring residential investment properties, second homes, and select owner-occupied properties. Qualified borrowers may finance multiple properties, use lease-based documentation, and access jumbo loan amounts from $250,000 to $4,000,000. Borrowers may own an unlimited number of properties; however, no more than
Flexible financing for real estate investors, with DSCR options, jumbo limits, and competitive terms to grow all of your refinance property portfolios.
Hard Money Loan Program All Property Types (Except Land & Manufactured Homes) 1st Trust Deeds Available and 2nd Trust Deed HELOC’s from $250,000 – $10,000,000 Guideline Highlights Bridge Loans Current NOD / NOS = OK Current Bankruptcy = OK Mortgage Lates = OK Low Fico Scores = OK Quick Funding