Flexible loan programs built around your true income.
Traditional banks struggle with business write-offs and investor cash flow. We specialize in bank statements, DSCR, and alternative-doc financing for entrepreneurs and real estate investors.
Built for Business Owners & Investors
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No Tax Return & Cash-Flow Options
Light-Doc & Full-Doc Pathways
Financing solutions in 40+ States
Explore smarter ways to qualify for financing.
Specialized qualification pathways for self-employed entrepreneurs, real estate investors, and commercial property owners.
Residential Investment & Foreign National
DSCR Program
Best for real estate investors scaling rental portfolios without personal income verification.
- No Personal Income Verification: Qualification is based on property income; no tax returns or debt-to-income analysis.
- Low & Negative DSCR Allowed: Qualify even with low cash flow or Negative DSCR (DSCR < 1.0) scenarios.
- Flexible Property Use: Long-term rentals, short-term rentals (Airbnb/VRBO), and vacant 1–4 unit properties allowed.
Second DSCR
Best for investors tapping property equity while keeping their existing low-rate first mortgage.
- Preserve Low Rates: Access cash equity without refinancing or disturbing your primary low-interest mortgage.
- Asset-Based Qualification: Qualified using property cash flow rather than personal debt-to-income ratios.
- Flexible Capital Use: Use cash-out proceeds to acquire new properties or fund portfolio upgrades.
Foreign National Program
Best for non-US citizens and foreign entities purchasing or refinancing US investment properties.
- No US Credit Required: Qualified using international assets or property rental cash flow.
- Simplified Documentation: No US tax returns, Social Security number, or local income verification needed.
- Flexible Ownership: Purchase through foreign entities, US LLCs, or individual passports.
Self-Employed & Primary Residence
Bank Statement Program
Best for self-employed entrepreneurs with strong gross revenue and significant tax write-offs.
- No Tax Returns: Qualification uses 12 to 24 months of personal or business bank deposits.
- True Income Calculation: Reflects actual business cash flow rather than taxable net income.
- Broad Property Coverage: Primary Residences (CA Only), Investment Rentals, and Owner-Occupied Commercial properties.
P&L & 1099 Programs
Best for business owners, freelancers, and 1099 contractors needing streamlined approvals.
- Simplified Documentation: Qualify using a CPA-prepared Profit & Loss statement or 1099 forms.
- Fast Qualification: Avoid lengthier tax return reviews for faster underwriting decisions.
- Flexible Options: Tailored specifically for sole proprietors, gig-economy workers, and corporate owners.
California Residential (Full-Doc)
Best for California borrowers seeking traditional full-documentation mortgage terms.
- Competitive rates: Lowest industry pricing for borrowers with consistent, documented taxable income.
- California Exclusive: Offered exclusively for primary residences, second homes, and 1–4 unit rentals in California.
- Flexible Programs: Choose from standard Conventional fixed/ARM rates, 3.5% down FHA, or high-limit Jumbo loans.
Commercial Real Estate
Commercial DSCR
Best for investors acquiring or refinancing commercial assets based on property cash flow.
- Cash-Flow Qualified: Evaluated on commercial property Net Operating Income (NOI) and lease terms.
- Wide Asset Scope: Covers 5+ unit multifamily, 2–8 unit mixed-use, retail, office, and light industrial.
- No Tax Returns: Scale commercial real estate holdings without personal tax return requirements.
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Conventional Commercial
Best for established investors and business owners seeking traditional full-doc commercial terms.
- Competitive Rates: Institutional pricing with standard fixed/adjustable terms and long amortizations.
- Flexible Occupancy: Financing for both Owner-Occupied (51%+ business occupied) and Investor Commercial assets.
- Broad Asset Coverage: Financing for premier retail centers, office buildings, industrial parks, and multifamily assets.
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SBA Loans (Owner-Occupied)
Best for business owners looking for maximum leverage when purchasing or refinancing their building.
- High Leverage Financing: Acquire commercial real estate with up to 90% LTV and lower down payments.
- Owner-Occupied Requirement: Property must be at least 51% occupied by your operating business.
- Alternative Options Available: High-write-off business owners can also utilize our Bank Statement or Conventional Commercial programs for owner-occupied properties.
Tailored financing built around your real-world cash flow.
Purchase & Refinance Versatility
Every loan program listed above can be used for both new property purchases and cash-out or rate-and-term refinances.
Flexible Documentation Pathways
Qualify using property cash flow (DSCR), bank statements, P&L statements, or standard tax returns based on your financial picture.
Custom Asset Matching
Loan eligibility depends on the property asset and location. Want to see which loans apply to a specific building?
Not sure which loan program fits your cash flow?
Tell us about your deal or income structure, and our advisors will match you with the optimal program.
