01.01
Bank Statement Loans
For self-employed borrowers using personal or business bank statements instead of traditional income documentation.
Investor1st · Non-QM lending
A different route to a mortgage that fits.
Your income, property, or plans may not fit a standard box. We’ll help you explore the right kind of financing—one conversation at a time.
The calculator is informational. Any preapproval is conditional and does not guarantee funding.
16 program paths to explore
Primary, second-home & investment
Your inquiry stays with Investor1st
DSCR program options
DSCR Program Highlights
More options for your next rental-property loan. Each option is scenario-dependent and subject to review.
80% LTV Cash-Out
Up to 80% loan-to-value on eligible cash-out scenarios.
No Cash-Out Seasoning (<75%)
The no-seasoning cash-out option applies below 75% LTV.
Transferred Appraisals Allowed
Transferred appraisals may be accepted, subject to review.
$3.5 Million Loan Amounts
Loan amounts up to $3.5 million on eligible scenarios.
Cash-Out at $3.5M — Max 65% LTV
The $3.5 million cash-out scenario has a maximum 65% LTV.
Unlimited Cash-Out
Subject to the applicable loan amount, LTV, and underwriting limits.
Full Lease Amount vs. 1007
No 120% cap. One-month receipt required.
No Title Seasoning
Eligible scenarios do not require title seasoning.
No Seasoning or Sourcing on Assets
Available on eligible scenarios, subject to applicable documentation requirements.
First-Time Investors + FTHB Encouraged
First-time investors and first-time homebuyers are encouraged to inquire. DSCR financing remains investment-property, business-purpose financing.
0 Ratio
Zero-ratio scenarios are available for individual review.
Gift of Equity
Gift-of-equity scenarios are available for individual review.
Non-Arms-Length Transactions
Non-arms-length scenarios are available for individual review.
These highlights describe scenario-dependent program options and may not all apply to the same loan. Borrower and property eligibility, documentation, loan amount and LTV limits, program guidelines, and final underwriting approval apply. Calculators provide illustrative standard-program estimates and do not assess every option listed here. Terms are subject to change and are not a commitment to lend.
Find your starting point
Three ways to think about financing.
Non-QM describes a range of mortgage options outside standard qualified-mortgage guidelines. Some programs are business-purpose and intended for investment property; others may be considered for an owner-occupied home or second home. Occupancy, property, and program details matter.
01
Flexible income
When conventional income paperwork leaves out the full picture.
Options for self-employed borrowers, business owners, independent earners, and borrowers using eligible assets.
01.02
Asset Qualifier Loans
For borrowers who qualify using eligible liquid or retirement assets through an asset-depletion calculation.
01.03
Expanded Full-Documentation Loans
Traditional income documentation with expanded qualification options for eligible borrowers.
01.04
1099 & Gig Income Loans
Income qualification options for independent contractors, freelancers, and eligible 1099 earners.
01.05
ITIN Mortgage Loans
Owner-occupied financing for eligible borrowers using an Individual Taxpayer Identification Number instead of a Social Security number.
01.06
P&L-Only Loans
For qualifying business owners using a profit-and-loss statement to document income.
02
Investment properties
Financing shaped around the property and the way you invest.
Rental cash flow, portfolios, foreign national borrowers, and select multifamily or mixed-use properties.
02.01
DSCR Rental Loans
Business-purpose financing for 1–4 unit investment properties based on rental income and property cash flow.
02.02
Below-1.0 DSCR Options
Alternative options for eligible rental properties with debt service coverage below 1.0, subject to additional review.
02.03
Asset-Assisted DSCR Loans
For experienced investors using eligible assets to supplement rental-property cash flow qualification.
02.04
Foreign National Investor Loans
Investment-property financing options for eligible foreign national borrowers, with documentation requirements reviewed individually.
02.05
Blanket DSCR Portfolio Loans
Combine multiple eligible residential rental properties under a single business-purpose mortgage.
02.06
Multifamily & Mixed-Use Loans
Property-focused financing review for eligible U.S. apartment buildings and mixed-use investment properties, subject to program availability and underwriting.
02.07
2–8 Unit Mixed-Use Loans
Financing options for eligible mixed-use investment properties, subject to property and investor qualifications.
03
Access your equity
Explore a second mortgage or revolving equity line.
Review equity access options for eligible primary, second-home, and investment properties.
03.01
Closed-End Second Mortgages
Access eligible property equity through a separate second mortgage. Full-documentation and alternative-documentation options may be available.
03.02
DSCR Investment Second Mortgages
Stand-alone cash-out second mortgages for eligible investment properties, qualified using rental cash flow.
03.03
Home Equity Lines of Credit
A revolving home-equity line for eligible borrowers and properties, with standard and bank-statement documentation options.
A useful distinction
The purpose of the loan changes the conversation.
Business-purpose financing
Many rental-property programs are intended for investment use. A representative will review the property and intended use with you.
Owner-occupied or second home
Some Non-QM programs may serve a primary residence or second home. These are not automatically investor loans; consumer-purpose requirements may apply.
One conversation, not an application
Tell us what you’re working on.
Share a few basics and an Investor1st representative will review your inquiry personally. No credit decision or loan approval is made through this form.
01 Choose the program closest to your goal.
02 Share safe, high-level contact and property details.
03 Discuss possible next steps directly with our team.
Any preapproval is conditional, subject to review, and is not a guarantee of funding.