Non-QM & Alternative Income Loans
You don't need a W-2 or tax returns to qualify. Whether you're self-employed, a real estate investor, or an ITIN borrower — we have a program built for you.
Loans up to $4M · FICO from 680 · Up to 90% LTV · Max DTI 45% · No tax returns on bank statement programs
Who These Programs Are For
- Self-Employed Borrowers: Qualify using 12 or 24 months of personal or business bank statements — no tax returns or 4506-C required.
- Real Estate Investors: DSCR investment loans that qualify on rental cash flow, not personal income. No DTI calculation, no employment verification.
- Foreign Nationals & ITIN Borrowers: Non-U.S. citizens and ITIN filers eligible across all occupancy types.
- Asset-Rich Borrowers: Asset utilization programs convert liquid assets into imputed monthly income.
- Borrowers with Past Credit Events: Bankruptcy, foreclosure, or short sale — qualify after 48-month seasoning.
Loan Programs
- Bank Statement Loan: 12 or 24 months business or personal statements, up to 90% LTV
- P&L Statement Loan: Qualify on accountant-prepared profit & loss, up to 85% LTV
- DSCR Investment Loan: Qualify on rental income, not personal income, up to 80% LTV
- Asset Utilization: Convert liquid assets to qualifying income, up to 80% LTV
- ITIN Loan: All occupancy types, competitive rates for ITIN filers
- Foreign National Loan: Non-US citizens and visa holders, 65-75% LTV
- Loan amounts from $150,000 to $4,000,000
- Credit score 680+ (case-by-case to 620)
Property Types
- Primary residence, second home, investment property
- 1–4 unit residential, condos, townhomes
- Non-warrantable condos, condo-hotels
- Short-term rental properties (Airbnb/VRBO) — with rental income evidence