Specialized loan programs designed for self-employed professionals and real estate investors. Qualify using bank statements, rental income, or P&L statements—no W-2 required.
Find out how much you can qualify for in under 24 hours
Choose the program that best fits your income documentation and investment goals. Each program is designed to make qualification easier for non-traditional borrowers.
Qualify using your personal or business bank statements instead of tax returns. Perfect for business owners who write off significant expenses.
Business owners, freelancers, contractors, and gig economy workers with strong cash flow but significant tax deductions.
Qualify based on the property's rental income, not your personal income. No tax returns or employment verification needed.
Real estate investors building portfolios, out-of-state investors, and buyers purchasing cash-flowing rental properties.
Qualify using CPA-prepared profit and loss statements. Great for established businesses with strong financials.
Established business owners, medical professionals, attorneys, and high-earning self-employed individuals.
See how alternative documentation loans compare to traditional mortgage requirements
Get from application to closing in as little as 21 days
Fill out our simple form or call to discuss your situation. We'll determine which loan program fits your needs best.
Provide bank statements, P&L, or property financials. No tax returns needed for most programs.
Receive your pre-approval in 24-48 hours. Shop with confidence knowing your financing is secured.
Quick closing process with experienced underwriters who understand alternative income documentation.
No. Bank statement loans and DSCR loans do not require tax returns. P&L loans only need CPA-prepared profit and loss statements, not full tax returns.
This is exactly why bank statement loans exist. We calculate your income based on deposits in your bank accounts, not your taxable income. Business owners who maximize deductions can still qualify for substantial loan amounts.
Absolutely. DSCR loans are perfect for first-time investors. As long as the property's rental income covers the mortgage payment (typically 1.0 DSCR or higher), you can qualify without showing personal income.
Alternative income loans typically have slightly higher rates than conventional loans, but the difference is often 0.5-1% and well worth it for borrowers who cannot qualify traditionally. The ability to qualify based on real income rather than tax returns often makes these loans the best or only option.
Loan amounts vary by program. Bank statement loans go up to $3M+, DSCR loans up to $5M+, and P&L loans up to $3M+. Your specific qualification depends on income, credit, assets, and property value.
Yes. DSCR loans are especially popular for portfolio building since each property qualifies based on its own cash flow. There's no limit to the number of properties you can finance.
Let's discuss which program is right for you and get your pre-approval process started today. No obligation, no pressure—just expert guidance.