Loan Programs

DSCR (Debt Service Coverage Ratio) loans qualify real estate investors based on the property's rental income, not their personal income. That makes them ideal for investors building a rental portfolio, self-employed borrowers, and professionals with strong asset positions but limited W-2 income. No tax returns or pay stubs required.

Bank Statement loans are alternative mortgages built for self-employed borrowers and business owners whose tax returns understate their real income. Instead of W-2s or tax returns, these loans use 12 or 24 months of personal or business bank statements to determine qualifying income, with loan amounts up to $4 million.

Alternative Income loans are flexible mortgage solutions for borrowers whose income doesn't fit traditional guidelines. Instead of relying solely on W-2s or tax returns, these programs use bank statements, 1099s, P&L statements, and asset depletion to verify income. They work for self-employed borrowers, investors, entrepreneurs, and high-net-worth individuals.

Short-Term Rental (STR) loans finance investors who earn income from Airbnb, Vrbo, and other vacation rental platforms. Unlike conventional mortgages that rely on long-term lease income or personal earnings, STR loans qualify the deal on the property's actual short-term rental performance and projected cash flow, making them the right fit for vacation rental investors.