Non-QM Products
P&L Only
Our P&L Only Loan Program enables home ownership utilizing a Profit and Loss statement from a
licensed Tax Preparer or CPA.
Bank Statement
Bank Statement mortgage program is the perfect option for self-employed borrowers who need an alternative method to show the true cash flow of their business.
DSCR
DSCR mortgage program allows your clients to qualify based on rental analysis to determine property cash flow.
Foreign National
Same day approvals and closing within 10 business days of appraisal order.
ITIN
Our ITIN income loan option is for self-employed borrowers who are 1099 earners not able to qualify for a full doc mortgage loan.
Stand Alone 2nd Lien
A closed-end second mortgage offers homeowners the opportunity to leverage their real estate equity while maintaining their low interest rate.
5-9 Unit Multi-Family
Simplify financing with our DSCR program offering 30-year Fixed and 5/6 ARM options—no personal income required, qualifying based on rental property cash flow. Foreign Nationals are eligible for this program as well.
2-8 Unit Mixed
Secure easy purchase or refinance options for mixed-use buildings with rental analysis-based qualification and no need for income documentation.
DSCR Stand Alone 2nd Lien
A closed-end DSCR second mortgage lets investors access up to 80% of their property’s equity as a lump sum—while keeping their existing low interest rate. Approval is based on credit score, property value, and DSCR.
Bridge Loans
Our real estate bridge loans allow you to free up your own capital by leveraging ours and close at the speed necessary to finance a deal in today’s market. Our bridge loans provide the leverage to fund both the purchase and rehab costs for investment properties.
Ground Up Loans
GUC loans are designed for builders and investors pursuing new development opportunities where no existing structure exists. They offer staged, milestone-based funding to keep projects moving smoothly from foundation to finish.
Rehab Loans
Rehab & Bridge (RTL) loans provide short-term capital to acquire and renovate investment properties quickly. They’re designed for investors who need fast, flexible funding before transitioning to permanent financing or selling the asset.