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Loan Programs
Our loan programs are designed for borrowers whose financial situations don’t always fit traditional bank guidelines.
Whether you're self-employed, investing in real estate, or need flexible qualification options, we offer Non-QM solutions built around how you actually earn and invest. Each program is structured to provide clear expectations, practical leverage, and a straightforward path to approval.
Loan Programs We Offer
P&L ONLY LOANS
A strong option for self-employed borrowers who want a clean, workable approval without bank statement “gotchas.”
Why this exists: bank statement loans can be great, but plenty of well-qualified borrowers get flagged or disqualified for things that are common in business, like irregular income, multiple bank accounts, occasional NSFs, or seasonal revenue that looks “declining” on paper.
P&L programs often solve that cleanly, with rates typically around 0.25% higher than bank statement loans when all other factors are similar.
Uses:
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Purchase
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Rate & Term Refinance
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Cash-Out Refinance
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2nd Mortgages (Cash-Out 2nd or HELOC)
Maximum leverage:
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Purchase: up to 80% LTV
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Refinance: up to 80% LTV
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2nd / HELOC: up to 85% CLTV
BANK STATEMENT LOANS
The most common Non-QM program for self-employed borrowers.
Qualifying income is calculated using either 12 or 24 months of bank statements. This option works best when deposits are consistent and the banking picture is clean and easy to document.
We review statements early and set expectations up front so the approval is predictable, not hopeful.
Maximum leverage:
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Purchase: up to 90% LTV
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Cash-Out Refinance: up to 85% LTV
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2nd / HELOC: up to 90% CLTV
DSCR LOANS
Investor financing based on the property, not your personal income.
DSCR loans qualify using the property’s cash flow, and we can often lend on vacant properties using projected rental income from the appraisal. That’s a big deal for acquisitions, turnovers, or properties between tenants.
Typical leverage:
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Purchase: usually 75% to 80% LTV
You’ll hear higher numbers advertised. In reality, above 80% is difficult to make work consistently once the math and coverage requirements hit. We keep it straight so you don’t waste time chasing approvals that aren’t realistic.
DIGITAL HELOC
Fast access to equity with low closing costs.
This is the most cost-effective product we offer from a closing-cost standpoint, and there’s no appraisal required. When it fits, funding in 7 to 10 days is realistic.
What it requires:
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The client participates a bit more hands-on
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A PLAID-compatible bank for verification (most major banks are)
If your bank is PLAID compatible and your file fits the box, this can be a very clean, very fast solution.
NO DOC LOANS
True no-income documentation.
These can be done with little to no income verification, but they usually come with higher rates and stronger reserve requirements. We keep this as a last resort because in most cases there’s a smarter, cheaper path through P&L, bank statement, or DSCR.
If this is the right tool, we’ll tell you. If it’s not, we’ll tell you that too.
What Our Customers Says
