Loan Programs

Bank Statements

A mortgage that uses bank deposits instead of tax returns or W-2s to determine income. Commonly used by self-employed borrowers.

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DSCR

An investment property loan based on rental income rather than personal income. Used for income-producing real estate.

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HELOC

A revolving credit line secured by home equity. Borrow and repay as needed up to a set limit.

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Asset Utilization

A mortgage that uses eligible liquid assets to generate qualifying income without requiring employment. Ideal for high-net-worth borrowers.

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P&L Only

A mortgage that uses a profit and loss statement to verify income instead of tax documents. Designed for business owners.

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Foreign National

A loan for non-U.S. citizens buying property in the U.S. without a U.S. credit profile or Social Security number. Focuses on property income and documentation.

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Conventional

A standard mortgage based on credit, income, and assets, not government-insured. Used for primary, second, or investment homes.

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FHA

A government-insured mortgage with flexible credit and down payment requirements. Designed to expand homeownership access.

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Loan Details

Bank Statements

DSCR

Skip the traditional lending process. With a bank statement loan, you qualify based on your business or personal bank deposits - the income your business actually generates, not what's left after tax deductions. No tax returns, No W-2s, Just your deposits, proof of ownership, and an experienced underwriter reviewing your application.

DSCR loans qualify the property, not the borrower. Approval is based on rental income versus the mortgage payment, not personal income. If the rent covers the debt (DSCR ≥ 1.0), the deal qualifies. No W-2s, no tax returns, and no employment verification. Close in an LLC and scale your portfolio without restrictions.

P&L Only

Asset Utilization

A P&L (profit and loss) loan qualifies you based on your business performance instead of your personal income. Lenders use your profit and loss statement to see how your business is actually doing, no tax returns or W-2s needed. If your P&L shows consistent income, you can qualify without traditional documentation. Just your business financials and an underwriter reviewing the file.

DSCR loans qualify the property, not the borrower. Approval is based on rental income versus the mortgage payment, not personal income. If the rent covers the debt (DSCR ≥ 1.0), the deal qualifies. No W-2s, no tax returns, and no employment verification. Close in an LLC and scale your portfolio without restrictions.

HELOC

Foreign Nationals

A HELOC (Home Equity Line of Credit) lets you borrow against the equity you've built in your home without refinancing your existing mortgage. Instead of receiving a lump sum, you get a flexible line of credit that you can use as needed for home improvements, debt consolidation, investments, or other major expenses. Borrow what you need, when you need it, and pay interest only on the amount you use.

Our Foreign National loan program is designed for international buyers who want to invest in U.S. real estate without a U.S. credit history or Social Security number. Qualification is based primarily on the property's rental income rather than your personal credit profile. With remote closing options available through international notarization, investing from abroad is simple and convenient.

Conventional

FHA

A conventional loan is a traditional mortgage option for borrowers with stable income, solid credit, and verifiable financial history. Qualification is based on your W-2 income, tax returns, credit score, and overall debt-to-income ratio. It’s a straightforward loan structure with competitive rates, designed for primary homes, second homes, or investment properties.

An FHA loan is a government-backed mortgage designed to make homeownership more accessible, especially for first-time buyers. It allows for lower credit scores and smaller down payments compared to conventional loans. Qualification is based on your income, credit, and debt-to-income ratio, with more flexible guidelines to help more borrowers get approved.