Instead of W-2s or tax returns, borrowers qualify using 12 to 24 months of personal or business bank statements. Perfect for self-employed borrowers or small business owners.
Key Features:
- No tax returns required
- Qualify based on average monthly deposits
- Available for purchase or refinance
Designed for real estate investors, DSCR loans focus on a property’s rental income instead of personal income. Approval is based on the cash flow of the property, not your job.
Key Features:
- No personal income documentation
- Great for short- and long-term rental investors
- Fast closings and flexible terms
Financing for non-U.S. citizens who want to buy or invest in property in the United States. No U.S. credit history required.
Key Features:
- Passports or foreign IDs accepted
- No U.S. income or residency required
- Available for second homes or investment properties
📉 Asset Depletion Loans
Running a holiday sale or weekly special? Definitely promote it here to get customers excited about getting a sweet deal.
ITIN Loan Program – Home financing for borrowers without a Social Security number. Designed for hardworking individuals using an ITIN.
Key Features:
- Available to W-2, self-employed, and 1099 borrowers
- Credit scores down to 620 — even no score allowed
- Full doc, bank statements, or P&L only
Fix and Flip Loans provide fast, short-term financing to purchase and renovate properties for resale. Ideal for real estate investors aiming to turn quick profits.
Key Features:
- Quick closings
- Finance purchase and rehab costs
- No income verification required!