Popular Alternative Lending Options
The most popular alternative mortgage loan products available today are Non-QM Loans such as Bank Statement Loans, P & L qualifying, Asset Depletion, Jumbo Fallout, Bridge Loans, Hard Money, DSCR Rental Loans, and Non-US Citizen Mortgage Loans.
Self-Employed
Good Fico OK
Bank Statement
Bank statement loans are designed for self-employed individuals, using bank statements instead of traditional income documents to verify income and approve loans.
BENEFITS
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620+ Fico
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10% down payment
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40, 30yr, 15yr fixed, IO Option
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Full Doc & Alt Doc ok
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Loans to $3 Mil+
Landlord
Strong FICO
Investment Property
Investment property loans help finance real estate purchases for rental or resale, offering tailored terms for investors seeking to grow their property portfolio.
BENEFITS
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680+ Fico
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10% down payment
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40, 30yr, 15yr fixed, IO Option
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Full Doc & Alt Doc ok
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Loans to $3 Mil+
Self-Employed
Strong FICO
P & L / Profit & Loss
P&L mortgage loans use profit and loss statements to verify income, offering self-employed borrowers an alternative to traditional income documentation for loan approval.
BENEFITS
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620+ Fico
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10% down payment
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40, 30yr, 15yr fixed, IO Option
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Full Doc & Alt Doc ok
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Loans to $3 Mil+
Bank Turndown
Prime Credit
Jumbo Bank Declines
Jumbo bank turndown loans cater to borrowers who were denied by banks, offering financing for high-value properties with flexible criteria and customized terms.
BENEFITS
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700+ Fico
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10% down payment
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30yr, 15yr fixed, IO Option
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Full Doc & Alt Doc ok
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Loans to $3 Mil+
Alt Doc OK
Good to High Fico OK
Super Jumbo
Super jumbo loans provide financing for extremely high-value properties, exceeding standard jumbo loan limits, with tailored terms for affluent borrowers requiring substantial loan amounts.
BENEFITS
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620+ Fico
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10% down payment
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30yr, 15yr fixed, IO Option
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Full Doc & Alt Doc ok
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Loans to $3 Mil+
Get Cash Now
Be Cash Buyer
Residential Bridge Loan
Residential bridge loans are short-term loans enabling homeowners to purchase a new home before selling their current property, providing financial flexibility during transitions.
BENEFITS
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620+ Fico
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min 50% Equity
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1 years Interest Only
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Full Doc & Alt Doc ok
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Loans to $3 Mil+
Project Capital
Close In 2 Weeks
Hard Money / Bridge
Hard money bridge loans are short-term, asset-based loans providing investors with quick funding to purchase new properties before selling their existing investments.
BENEFITS
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620+ Fico
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30% down payment
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3 year IO Option
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Full Doc & Alt Doc ok
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Loans to $3 Mil+
Use Rents to Qualify
Rent Only Qualification
DSCR - Rental Income
DSCR (Debt Service Coverage Ratio) loans use rental income to qualify investors and landlords, ensuring the property’s income covers loan payments, facilitating real estate investments.
BENEFITS
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620+ Fico
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85% LTV
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30yr, 15yr fixed, IO Option
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DSCR, – Rents to Qualify – .75% Ok
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Loans to $3 Mil+
Best Small Apt Option
Competes With Banks
5 - 8 Units
We offer funding for 5-8 unit properties, allowing investors to qualify based on rental income, ensuring easier financing for multifamily investments.
BENEFITS
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620+ Fico
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85% LTV
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30yr, 15yr fixed, IO Option
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DSCR – Use Rents to Qualify
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Loans to $3 Mil+