--- title: Home --- [![image (4) 1](https://www.alternativehomeloan.com/hs-fs/hubfs/Email/image%20(4)%201.png?width=231&height=55&name=image%20(4)%201.png "image (4) 1")](https://www.alternativehomeloan.com/?hsLang=en) - [About](https://www.alternativehomeloan.com/about) - [We Offer](https://www.alternativehomeloan.com/we-offer) - [Review](https://www.alternativehomeloan.com#review) ![devicon_google](https://www.alternativehomeloan.com/hubfs/images/devicon_google.svg) 4.8 920+ reviews **Serving 49 States Nationwide -** DSCR loans available in New York # No tax returns
 or W-2s required. ## We turn complex loan challenges into workable solutions. Qualify using profit & loss statements only, bank statements, or property cash flow. Request a Scenario Review [Call Now for a Consultation](tel:+19496131457) ### A brief review - no obligation ## Loan Programs We Offer ![Icon (1)](https://www.alternativehomeloan.com/hubfs/images/Icon%20(1).svg) ### Profit & Loss / P&L Only For self-employed borrowers with income not accurately shown on tax returns. ![Background+Border](https://www.alternativehomeloan.com/hubfs/images/Background+Border.svg) Cash-out refinances up to 80% LTV ![Background+Border](https://www.alternativehomeloan.com/hubfs/images/Background+Border.svg) Rate & term refinances up to 85% LTV ![Background+Border](https://www.alternativehomeloan.com/hubfs/images/Background+Border.svg) Buy with just 15% down ![Background+Border](https://www.alternativehomeloan.com/hubfs/images/Background+Border.svg) 20% down improves pricing ![Icon (2)](https://www.alternativehomeloan.com/hubfs/images/Icon%20(2).svg) ### Bank Statement For self-employed borrowers with income not accurately shown on tax returns. ![Background+Border](https://www.alternativehomeloan.com/hubfs/images/Background+Border.svg) Cash-out refinances Use a 80% LTV ![Background+Border](https://www.alternativehomeloan.com/hubfs/images/Background+Border.svg) Rate & term refinances up to 85% LTV ![Background+Border](https://www.alternativehomeloan.com/hubfs/images/Background+Border.svg) Buy with just 10% down ![Background+Border](https://www.alternativehomeloan.com/hubfs/images/Background+Border.svg) 15% down improves pricing ![Icon (3)](https://www.alternativehomeloan.com/hubfs/images/Icon%20(3).svg) ### HELOCs & Seconds Access home equity without refinancing your first mortgage. ![Background+Border](https://www.alternativehomeloan.com/hubfs/images/Background+Border.svg) Use a bank statement ![Background+Border](https://www.alternativehomeloan.com/hubfs/images/Background+Border.svg) CLTV up to 90% ![Background+Border](https://www.alternativehomeloan.com/hubfs/images/Background+Border.svg) Select HELOCs or mortgages ![Background+Border](https://www.alternativehomeloan.com/hubfs/images/Background+Border.svg) Uses include liquidity and access ![Icon (4)](https://www.alternativehomeloan.com/hubfs/images/Icon%20(4).svg) ### DSCR Qualification based on property performance instead of personal income. ![Background+Border](https://www.alternativehomeloan.com/hubfs/images/Background+Border.svg) Minimum 20% downfor purchases ![Background+Border](https://www.alternativehomeloan.com/hubfs/images/Background+Border.svg) Cash-out refinances up to up to 80% LTV ![Background+Border](https://www.alternativehomeloan.com/hubfs/images/Background+Border.svg) Qualification based on DSCR ![Background+Border](https://www.alternativehomeloan.com/hubfs/images/Background+Border.svg) Income docs often unnecessary ![ChatGPT Image Jan 6, 2026, 03_57_45 PM 1](https://www.alternativehomeloan.com/hs-fs/hubfs/images/ChatGPT%20Image%20Jan%206%2c%202026%2c%2003_57_45%20PM%201.png?width=723&height=569&name=ChatGPT%20Image%20Jan%206%2c%202026%2c%2003_57_45%20PM%201.png) ## Our Approach Non-traditional lending requires careful structuring. We focus on understanding the full financial picture and matching each scenario with programs designed for complexity - not forcing borrowers into rigid guidelines. [Get a Quote](https://cta-na2.hubspot.com/web-interactives/public/v1/track/click?encryptedPayload=AVxigLJr80aTn7Gmq5aXHbWekjRPxlVOmljWHdXJLsqFBgR5%2Bwz8x0CcwnFdcrn2dlY2Zgjrq3BzL971BFRMC9tcHoQ0y3RxZaPDQ1zvejXR9RX3encZToSWk6sdIq%2BYaNZpk%2B64aT9q5da5P64DGd6mJakvM8PjtCZMnRSpyzY7g%2BoG4yCbC3VfgcDt8Q%3D%3D&portalId=244638214) ## Built for 
Non-Traditional Income Our programs are designed specifically for borrowers whose income is not accurately reflected on traditional documentation. ![Background+Border](https://www.alternativehomeloan.com/hubfs/images/Background+Border.svg) Tax returns and W-2s are not required ![Background+Border](https://www.alternativehomeloan.com/hubfs/images/Background+Border.svg) Qualification is based on bank statements or property cash flow ![Background+Border](https://www.alternativehomeloan.com/hubfs/images/Background+Border.svg) Designed for self-employed borrowers and real estate investors ![Background+Border](https://www.alternativehomeloan.com/hubfs/images/Background+Border.svg) Documentation requirements vary by program, property type, and scenario. ![681ce8a6c3e78d1e2c6f2605_Image1-p-800.jpg](https://www.alternativehomeloan.com/hs-fs/hubfs/images/681ce8a6c3e78d1e2c6f2605_Image1-p-800.jpg.png?width=637&height=599&name=681ce8a6c3e78d1e2c6f2605_Image1-p-800.jpg.png) We focus on understanding the full financial picture rather than forcing borrowers into rigid income models. ## What Our Customers Says ![profile-image](https://www.alternativehomeloan.com/hs-fs/hubfs/images/profile-image.jpg?width=52&height=52&name=profile-image.jpg) Maximilian Hart “The process was straightforward, and the loan was structured exactly around my situation.” Verified ![google](https://www.alternativehomeloan.com/hs-fs/hubfs/images/google.png?width=62&height=23&name=google.png) ![profile-image](https://www.alternativehomeloan.com/hs-fs/hubfs/images/profile-image.jpg?width=52&height=52&name=profile-image.jpg) Liam Hawthorne “The process was straightforward, and the loan was structured exactly around my situation.” Verified ![google](https://www.alternativehomeloan.com/hs-fs/hubfs/images/google.png?width=62&height=23&name=google.png) ![profile-image](https://www.alternativehomeloan.com/hs-fs/hubfs/images/profile-image.jpg?width=52&height=52&name=profile-image.jpg) Maximilian Hart “The process was straightforward, and the loan was structured exactly around my situation.” Verified ![google](https://www.alternativehomeloan.com/hs-fs/hubfs/images/google.png?width=62&height=23&name=google.png) Disclaimer: Mortgage services provided through a licensed mortgage broker. Loans are originated by licensed mortgage loan originators. All loan programs, terms, rates, and maximum loan-to-value ratios are subject to underwriting approval and vary by borrower profile, property type, and state availability. Not all products are available in all states. This is not a commitment to lend. Copyright © 2026 Alternate Home Loan. All rights reserved.