Flexible Loan Programs
Discover non-QM mortgage solutions designed for self-employed borrowers, business owners, investors, and anyone who doesn't fit the conventional lending mold.
Bank Statement Loans
Qualify with your bank statements
Perfect for self-employed borrowers who want to use their actual cash flow to qualify instead of tax returns.
Key Features
- 12 or 24 months of bank statements
- Personal or business accounts accepted
- Purchase or refinance
- Loan amounts up to $3 million
- Primary, second home, or investment
P&L Only
Qualify with your profit and loss statement
Use a single-page 12- or 24-month P&L to qualify. Perfect for business owners with organized bookkeeping.
Key Features
- CPA-prepared P&L statement
- 12 or 24 month options
- No tax returns needed
- Fast approvals
- Primary, second home, or investment
Asset Depletion
Use your assets as income
Leverage your savings, investments, and retirement accounts to qualify for a mortgage.
Key Features
- Stocks, bonds, and mutual funds
- Retirement accounts (401k, IRA)
- Checking and savings accounts
- Loan amounts up to $3 million
- No income documentation needed
1099 Earners
Qualify with your 1099 income
Get approved using your 1099 income as an independent contractor, freelancer, or gig worker.
Key Features
- 12 or 24 months of 1099 forms
- No W-2s required
- Commission-based income accepted
- Multiple income sources OK
- Primary, second home, or investment
Ideal For:
Independent contractors, freelancers, gig workers, and commission-based professionals
Learn MoreDSCR Loans
Debt Service Coverage Ratio
Qualify based on property cash flow instead of personal income. No tax returns or pay stubs required.
Key Features
- Based on rental income only
- No personal income required
- Purchase or cash-out refinance
- Residential properties up to 36-units
- Interest-only options available
Fix & Flip Investments
Bridge loans for real estate investors
Up to 100% purchase and 100% rehab financing—capped at 75% ARV. Built for investors who flip properties.
Key Features
- Up to 100% of purchase price
- 100% of renovation budget
- Combined loan + rehab up to 75% ARV
- Short-term bridge loans (6-18 months)
- Interest-only payments
Foreign National
U.S. property for international buyers
Purchase U.S. real estate without U.S. credit history or Social Security number.
Key Features
- No U.S. credit required
- Valid passport and visa
- International credit considered
- Purchase only
- Various down payment options
Interest Only
Maximize cash flow
Lower monthly payments with interest-only options for improved liquidity and cash flow management.
Key Features
- Lower monthly payments
- 3, 5, 7, or 10-year IO periods
- Purchase or refinance
- Investment or second homes
- Competitive rates
Jumbo Loans
High-balance financing
Competitive rates and flexible terms for luxury properties and high loan amounts.
Key Features
- Loan amounts over conforming limits
- Alternative documentation accepted
- Primary, second, or investment
- Up to $3 million and beyond
- Strong credit not always required
Not Sure Which Program Is Right for You?
Let's discuss your unique situation and find the perfect fit. I'll help you understand your options and guide you to the best solution.