Resources & Guides
Everything you need to understand non-QM financing. Program guides, calculators, and tools to help you make smarter investment decisions.
Free Tools
Run your numbers, check your eligibility, and get matched with the right program.
DSCR Calculator
Run your numbers in 30 seconds. See if a rental property qualifies for DSCR financing before you make an offer.
Open CalculatorFix & Flip Calculator
Model your rehab deal — purchase price, renovation budget, ARV, holding costs, and projected profit. All in one place.
Open CalculatorLender Fit Review
Answer a few quick questions and I'll match you with the best loan program for your situation — free, no obligation.
Start ReviewLoan Program Guides
Deep dives into each program — what it is, who it's for, requirements, and how to get started.
DSCR Loans
The Investor's Guide
Qualify based on property cash flow — no tax returns, no pay stubs. Learn how DSCR ratios work, what lenders look for, and how to maximize your approval odds.
- No personal income needed
- Properties up to 36 units
- Interest-only options
Fix & Flip Loans
Bridge Financing for Flippers
Up to 100% purchase and 100% rehab financing. Understand ARV-based lending, draw schedules, and how to structure your next flip for maximum leverage.
- Up to 100% of purchase price
- 100% rehab funding available
- Close in 7-14 days
Bank Statement Loans
For Self-Employed Borrowers
Use 12 or 24 months of bank deposits to qualify instead of tax returns. Perfect for business owners whose returns don't reflect their real income.
- Personal or business accounts
- Up to $3M loan amounts
- Purchase or refinance
Bridge Loans
Fast Capital When Timing Matters
Short-term financing to acquire, stabilize, or refinance investment properties. Close in as fast as 7-14 business days when speed is critical.
- Close in 7-14 business days
- $150K to $5M+
- No income verification
Asset Depletion
Use Your Assets as Income
Leverage savings, investments, and retirement accounts to qualify. No traditional income documentation needed — your net worth speaks for itself.
- Stocks, bonds, mutual funds
- Retirement accounts count
- No income docs needed
P&L Only Loans
Qualify with a P&L Statement
A single CPA-prepared profit & loss statement is all you need. The fastest path to approval for organized business owners.
- CPA-prepared P&L only
- 12 or 24 month options
- Fast approvals
Templates & Downloads
Ready-to-use templates to help with your loan process.
Ready to Get Started?
Take the Lender Fit Review to find your best program, or schedule a free consultation to discuss your specific situation.