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Self-Employed, Investor/DSCR, Foreign Nationals, Cannabis industry, Credit Challenges—see all your options.
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Let our Unconventional Program Finder™ find your perfect loan fit.
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See why our clients trust us to do what traditional banks, credit unions and lenders won’t.
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🔥 TOP PROGRAM!
Our DSCR (Debt Service Coverage Ratio) program allows real estate investors to qualify based on the property's rental income instead of personal income. Perfect for expanding your rental portfolio without income verification hassles.
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Our 1099 Income program is designed for independent contractors, gig workers, and freelancers who receive 1099 forms rather than W-2s. This program uses your 1099 income to qualify without requiring traditional tax returns.
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Our Bank Statement Second Mortgage program allows self-employed borrowers to qualify for a second mortgage using bank statements instead of tax returns. Perfect for accessing equity without refinancing your first mortgage.
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Our P&L programs allow self-employed borrowers to qualify using their Profit & Loss statement prepared by a licensed tax preparer. This is ideal for business owners who need an alternative to using tax returns or bank statements to qualify.
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Our Bank Statement programs allow self-employed borrowers to qualify using business or personal bank statements instead of tax returns. Perfect for entrepreneurs, business owners, or independent contractors.
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Our Foreign National program is designed specifically for non-U.S. citizens looking to purchase property in the United States without a U.S. credit score, history, or income.
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Our Asset-Based program allows you to qualify based on your liquid assets rather than traditional income. Ideal for retirees, those with substantial investments, or borrowers between jobs with significant assets.
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Our specialized program for workers and business owners in the legal cannabis industry allows to finance your home, despite industry restrictions with traditional lenders.
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FHA loans are government-backed mortgages with more flexible credit requirements, lower down payments, and competitive interest rates. Ideal for first-time homebuyers or those with credit challenges. We lend down to a 500 credit score.
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For credit challenges: "Our FLEX Loan program offers flexible underwriting for borrowers with credit challenges. Perfect for those with low credit scores or non-traditional credit histories.
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