Loan Programs

Explore a wide range of tailored loan programs designed to meet the unique needs of investors, from flexible income verification options to specialized financing for real estate projects.

Our Loan Programs

DSCR / No-Doc

Lets you get a mortgage by solely qualifying on the property's rental income. No tax returns or any income docs are required.

DSCR / No Ratio

Allows you to qualify for a mortgage based on the property's income without needing to meet a specific debt service coverage ratio.

Bridge Loans

Short term financing designed to help borrowers bridge the gap between their current and future financing needs. These loans provide quick access to capital, allowing for smooth transitions in real estate transactions with flexible terms and fast approval processes.

Fix and Flip

Provides funding for purchasing and renovating a property with the goal of selling it for a profit. It is a quick and flexible option for investors looking to buy, renovate, and a resell real estate. No experience required.

Rehab / ARV (After Repaired Value)

Perfect for home buyers or investors looking to improve the property and increase the value.

Ground Up Construction

Designed for builders and developers who need funds to cover the cost of construction, from the foundation to final touches.

Foreign National / ITIN

Provides for individuals without a Social Security Number (SSN), such as a Non-US Citizen or those with an Individual Taxpayer Identification Number (ITIN). It's a great option for international buyers looking to invest in real estate.

Bank Statement / Alt-Doc

12-24 Month Non-QM Bank Statement loan lets you qualify for a mortgage using your bank statements instead of traditional income docs. Ideal for Self-Employer and Non-Traditional Earners.

1099 / P&L

Lets you qualify using your 1099 forms or a 1-2 year Profit and Loss Statement instead of traditional paystubs. Ideal for self-employed individuals or freelancers who need a way to prove their income.

Asset Utilization

Allows you to qualify based on the value of your assets like savings or investments, rather than your income. It's a great option if you have significant assets but irregular income.

Full Doc

Requires complete income verification including pay stubs, tax returns and other financial documents. It's a standard mortgage option for those who can easily provide detailed proof of their income and financial stability.

What is a Non-QM Loan?

A non-QM loan is a type of mortgage that doesn’t conform to the standards set by the Consumer Financial Protection Bureau (CFPB). These loans cater to unique financial situations.

Who Can Benefit from a Non-QM Loan?

Anybody! Self-employed individuals, real estate investors, borrowers with unconventional income sources, or those with a credit history that doesn’t fit traditional molds.

Key Features of Non-QM Financing

Flexible Documentation: Non-QM loans often require less documentation than traditional mortgages.
No Doc Loans: These loans allow borrowers to secure financing without providing extensive financial documentation, making them ideal for self-employed individuals.
Debt Service Coverage Ratio (DSCR): This ratio helps lenders assess the borrower’s ability to cover debt obligations, particularly important for investment properties.

Benefits of Non-QM Financing

Accessibility: Easier access for borrowers with unique financial situations.
Quick Closing: Streamlined processes allow for faster approvals and closings.
Customizable Solutions: Tailored loan options to meet diverse borrower needs.