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OUR PRODUCT NICHES 

Unique Loan Solutions for Underserved Borrowers

We offer a full suite of powerful non-QM loan products that help solve a wide variety of challenging loan scenarios for self-employed individuals and investors to retired workers, non-US citizens and more. High loan amounts, LTVs and DTIs along with less required documentation, interest-only options and flexible underwriting help get your borrowers approved fast.

Loan Program Niches & Highlights

​Non-QM loan programs are transforming the mortgage industry by giving brokers like you, powerful tools to expand your business while serving a growing market of underserved borrowers. Unlike traditional lending, our flexible programs open the door for self-employed individuals, real estate investors, and others who may not fit standard qualification guidelines, helping them secure financing for a home. By offering solutions that meet real-world financial situations, you not only gain a competitive edge but also empower more borrowers to achieve the American Dream of homeownership. See some of our loan program highlights below.

Self employed African-American woman on computer getting approved for a loan

BANK STATEMENTS 
Industry-Leading Programs!

  • ​12 & 24 month personal and business bank statement programs

  • Borrower prepared expense letter OK - No accountant prepared expense letter required

  • 90% LTV up to $2,000,000 (with min. 700 FICO score) & only 6 months reserves!!!

  • Loan amounts available up to $5,000,000

  • Can add asset depletion to bank statement income to qualify for larger loans!

  • First-time homebuyers and gift funds may be accepted

INVESTOR DSCR
No Ratio Program Available!

  • 85% LTV purchase to $1,500,000

  • 80% Cash out refi to $1,000,000

  • Not enough rental income? Try our no ratio DSCR!

  • Foreign National DSCR cash out OK

  • Short term rentals allowed

  • Interest only options

  • Loan amounts to $3,500,000

Happy real estate investor in front of apartment building
Retired couple on computer getting approved for a loan

ASSET DEPLETION 
Secure Financing without Liquidating Assets!

  • Supplemental or stand-alone asset depletion

  • Deplete as little as $100,000 to supplement income

  • Flexible in calculating depletion term

  • Cash out considered based in intended use of proceeds

P&L ONLY
Qualify without Conventional Documentation 

  • Uses business profit & loss statements to better reflect true earnings.

  • Flexible guidelines for self-employed borrowers with write-offs.

  • Faster and simpler documentation process.

  • Requires a licensed accounting professional attestation of the P&L

  • No tax returns or transcripts required.

  • Loan amounts as high as $3,500,000

  • 85% LTV OK to $2,000,000

Successful young business woman smiling at her restaurant
African-American man using his cell phone to read about his loan approval

1099 ONLY PROGRAM 

  • Qualify off most recent tax year 1099 form + proof of YTD income

  • Expense factors as low as 10% of the gross 1099 income

  • 90% to $2,000,000 loan amount

  • Great program for Uber drivers, Realtors, or any independent contractors

  • Cash out available

ITIN & FOREIGN NATIONALS

  • Foreign National Loans to 80% LTV & no US credit required.

  • B, E, H, L, P, J, O visas priced as US Citizens (others based on exception)

  • ITIN to 85% Non FTHB with US Credit

Young woman on her laptop applying for a loan
Two loan officers search for loan solutions on a laptop computer

ADDITIONAL NICHES 

  • Condo-tel loans

  • Experts at funding Non-Warrantable Condo's

  • TIC Ownership - We are one of the few in the US offering financing for TIC ownership!

  • Interest Only loans to 90% LTV to $2,000,000

  • Mortgage lates in last 12 months OK with reasonable explanation - Even 60 Day Lates

  • Relocation Borrowers - Departing residence liability may be eliminated when listed on MLS

  • Wage earner to self-employed less than 2 years OK if supported

  • Owner and Non-Owner Vesting in LLC's Corporations and Family Trusts

  • 420 friendly, Cannabis income allowed

  • New job with irrevocable employment letter - can close with no paystub

  • 1 Year tax return for qualifying

  • No limit on number of properties financed

  • DTI up to 55%

  • Blended ratios allowed

  • No active tradelines OK with housing history

  • Gift of equity

  • First-time homebuyers on primary, 2nd home and Investment

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