Loan Programs We Offer

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Profit & Loss / P&L Only

For self-employed borrowers with income not accurately shown on tax returns.
Background+Border Cash-out refinances up to 80% LTV
Background+Border Rate & term refinances up to 85% LTV
Background+Border Buy with just 15% down
Background+Border 20% down improves pricing
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Bank Statement

For self-employed borrowers with income not accurately shown on tax returns.
Background+Border Cash-out refinances Use a 80% LTV
Background+Border Rate & term refinances up to 85% LTV
Background+Border Buy with just 10% down
Background+Border 15% down improves pricing
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HELOCs & Seconds

Access home equity without refinancing your first mortgage.
Background+Border Use a bank statement
Background+Border CLTV up to 90%
Background+Border Select HELOCs or mortgages
Background+Border Uses include liquidity and access
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DSCR

Qualification based on property performance instead of personal income.
Background+Border Minimum 20% downfor purchases
Background+Border Cash-out refinances up to up to 80% LTV
Background+Border Qualification based on DSCR
Background+Border Income docs often unnecessary
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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.
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Built for 
Non-Traditional Income

Our programs are designed specifically for borrowers whose income is not accurately reflected on traditional documentation.
Background+Border Tax returns and W-2s are not required
Background+Border Qualification is based on bank statements or property cash flow
Background+Border Designed for self-employed borrowers and real estate investors
Background+Border Documentation requirements vary by program, property type, and scenario.
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We focus on understanding the full financial picture rather than forcing borrowers into rigid income models.

What Our Customers Says

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Maximilian Hart
“The process was straightforward, and the loan was structured exactly around my situation.”
Verified
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Liam Hawthorne
“The process was straightforward, and the loan was structured exactly around my situation.”
Verified
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Maximilian Hart
“The process was straightforward, and the loan was structured exactly around my situation.”
Verified
google