Alternative Financing

Non-QM Loans

Flexible Solutions for Complex Situations

Bank statement loans for the self-employed and DSCR programs for investors. We help borrowers who don't fit the traditional mold.

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Why Choose Us

Bank statements for income
DSCR for investors
No tax returns needed
Self-employed friendly

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Bank Statement Program

Bank statement mortgages offer a solution for self-employed individuals or business owners lacking traditional income proof, like W-2 forms or consistent pay stubs. Instead, these loans use 12 to 24 months of bank statements to verify income and assess the borrower's ability to repay the loan.

Key Features

Income Verification: Income is calculated based on bank statement deposits, providing flexibility for self-employed borrowers.

Credit Requirements: Generally, applicants need a credit score of around 680 or higher.

Down Payment: Expect a significant down payment (10%-20%) due to the unconventional method of income verification.

Property Types: Suitable for home purchases, refinancing, and investment properties.

Benefits

Enables homeownership for those with non-traditional income, acknowledging diverse income patterns.

Flexible documentation for self-employed individuals and business owners.

Competitive rates tailored to your unique financial situation.

If you think this might be a suitable program for your income situation, please give us a call to discuss your options.

Investor / DSCR Program

The Investor / Debt Service Coverage Ratio (DSCR) Program is a specialized mortgage solution designed for real estate investors seeking to finance rental properties without conventional income verification methods.

This program evaluates the potential cash flow of the property to determine loan eligibility, focusing on the property's ability to generate income relative to its debt obligations, rather than solely on the borrower's personal income and credit history.

How DSCR Works

The key metric is the Debt Service Coverage Ratio, calculated by dividing the property's monthly rent by its monthly debt service (mortgage payment, taxes, insurance, and any HOA fees). A DSCR of 1 or higher indicates the property generates enough income to cover its debt service.

Typical minimum DSCR: 1.0x to 1.25x

Eligible properties: Single-family, condos, multi-family units, and other residential rentals

Focus on property income rather than personal income

Competitive rates and terms for investors

Whether you're expanding your portfolio or stepping into real estate investment for the first time, the Investor / DSCR Program provides a streamlined path to financing designed to align with your investment strategies.

Ready to Get Started?

Apply today and our loan experts will guide you through every step of the process.

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